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Help Please MINT have served a default notice. What do i do?


dandoogle
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i have been trying to get my credit agreement from mint to see if it was enforceable with no luck unfortunately.

 

last month i sent the 1st of the cpr letters then last week i sent the 2nd this week they have sent me a default notice and terminated the agreement?

 

i really dont know what to do, ive never been in trouble with debt before now i am really worried?

 

any advice welcome many thanks.

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There are several things to look for but the main ones are; did they give you a clear 14 days from receipt of the DN to remedy the default & did they give a specific date to remedy by?

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hi, they gave me no later than 17 days after the date of this notice shown above and it is dated 27th april 2009.

 

no specific date to pay by is written in words but "BEFORE THE DATE SHOWN" is written and underlined in caps twice and it says by no later than 17 days after the date shown on this notice.

 

i could try and get some money to pay them but i think it might be pointless if it is just going to be a 1 off payment and ill owe some else the money instead.

 

is this any help?

 

thanks

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It is a defective default notice which means when they close the a/c all they will legally be able to claim are the arrears, the remaining balance will in effect be written off as soon as they close the account. :D

 

Keep that letter safe along with the envelope for future use & for heavens sake do not mention about the defective DN to them. ;)

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That sounds like good news but once they have done this is there something i have to do?

 

should i pay the arrears?

 

how do i prove that it is defective when the time comes?

 

sorry for all the questions i really appreciate the help

 

many thanks Dan.

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Have a read through A Tale of a Dodgy DN - The Consumer Forums it should answer most of your questions.

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Don't pay anything, wait for them to close the a/c. That is the key, the fact that they close the a/c after they've issued a defective DN.

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on 18th may i recieved a letter titled

 

ACCOUNT NUMBER:

CURRENT BALANCE:

CREDIT LIMIT:

ARREARS:

 

ACCOUNT TERMINATION

 

we recently served a default notice on you.

 

as you have not met the conditions of this default notice by repaying the amount due, we are terminating our credit agreement with you. please cut your card(s) in half and dispose of them carefully.

 

please contact us in 08000000000 to arrange an immediate payment and subsequent repayment programme.

 

yours sincerely

 

L Angeli

 

please quote account n.o xxxxxxxxx and ref n.o xxxxx on all correspondence.

 

now they have terminated do i need to do anything?

 

thanks

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Have a read of this post by Banker_Rhymes_With about default Notices as well -

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2166205.html

 

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No you don't have to do anything just yet, but as I said above all they are entitled to now is the arrears because they have closed the a/c. have a read through the link above as it does explain things in great detail. ;)

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