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    • thieving robbers   i see they are adding interest every month since 2007 to: brokers fees legal fees. not sure they are allowed to on the last 2.   penalty fees (all unlawful) collections costs solicitors fees  field Agent fees.   put each one in our CIsheet    put their int rate in cell D15   ALL are reclaimable       
    • I can wholeheartedly confirm that 'Connex Me' is a subsidiary in contract to many DEBT COLLECTION agencies. DO NOT REPLY TO THEM at all. What their business plan is : They contact larger debt agenises and offer their services to collect 'debts that they have been unable to collect ' The fact some of these alleged debts will be over 13 years old  and lawfully 'STATUE BARRED' for collection does not phase them, as the mentality is ; if the debtor receives the warning letter they will pay up finally. 'Connex' or 'Connex me' is not a registered company, and is not affiliated to the Financial Conduct Authority. It has no legal powers! How they make their grubby funds is by passing on your 'confessed' new address, email ,phone number OR new married name: to the chasing debt collection agency that presumably on final collection from you will pay 'Connex' or 'Connex me' a pre agreed commission. All you then get are many emails , letters and dribble threatening you with court action. Why you may ask, 'If they know my address why do the original debt company not contact me?' Ask yourself: If I was a debt collection agency having spent many staff hours trying to collect a debt we bought from (say) B&Q for a percentage pittance and failed to find the debtor (way back when) its a debt they file away. UNTILL, smarty pants 'Connex or Connex Me', phone them up and say; 'hey Black Horse Finance (allegedly) got any debts you can't collect , you do how much? They reply Mr Terra-Firma owes us £1,000 from 200 years ago. If you can find him or her and collect the money we will may you 10% ie £100. Connex then do a track and trace on electoral role, wedding certification, name printed in local papers, facebook etc and get you to own up  by 'subliminal' contact vaguely suggesting you have come into money or long lost relative/friend wants to contact you. WHEN IN FACT THEY ARE LINING THEIR OWN POCKETS by attacking the subconscious of the target..YOU! I can wholeheartedly confirm that 'Connex Me' is a subsidiary in contract to many DEBT COLLECTION agencies. DO NOT REPLY TO THEM at all. What their business plan is : They contact larger debt agenises and offer their services to collect 'debts that they have been unable to collect ' The fact some of these alleged debts will be over 13 years old  and lawfully 'STATUE BARRED' for collection does not phase them, as the mentality is ; if the debtor receives the warning letter they will pay up finally. 'Connex' or 'Connex me' is not a registered company, and is not affiliated to the Financial Conduct Authority. It has no legal powers! How they make their grubby funds is by passing on your 'confessed' new address, email ,phone number OR new married name: to the chasing debt collection agency that presumably on final collection from you will pay 'Connex' or 'Connex me' a pre agreed commission. All you then get are many emails , letters and dribble threatening you with court action. Why you may ask, 'If they know my address why do the original debt company not contact me?' Ask yourself: If I was a debt collection agency having spent many staff hours trying to collect a debt we bought from (say) B&Q for a percentage pittance and failed to find the debtor (way back when) its a debt they file away. UNTILL, smarty pants 'Connex or Connex Me', phone them up and say; 'hey Black Horse Finance (allegedly) got any debts you can't collect , you do how much? They reply Mr Terra-Firma owes us £1,000 from 200 years ago. If you can find him or her and collect the money we will may you 10% ie £100. Connex then do a track and trace on electoral role, wedding certification, name printed in local papers, facebook etc and get you to own up  by 'subliminal' contact vaguely suggesting you have come into money or long lost relative/friend wants to contact you. WHEN IN FACT THEY ARE LINING THEIR OWN POCKETS by attacking the subconscious of the target..YOU!
    • I can wholeheartedly confirm that 'Connex Me' is a subsidiary in contract to many DEBT COLLECTION agencies. DO NOT REPLY TO THEM at all. What their business plan is : They contact larger debt agenises and offer their services to collect 'debts that they have been unable to collect ' The fact some of these alleged debts will be over 13 years old  and lawfully 'STATUE BARRED' for collection does not phase them, as the mentality is ; if the debtor receives the warning letter they will pay up finally. 'Connex' or 'Connex me' is not a registered company, and is not affiliated to the Financial Conduct Authority. It has no legal powers! How they make their grubby funds is by passing on your 'confessed' new address, email ,phone number OR new married name: to the chasing debt collection agency that presumably on final collection from you will pay 'Connex' or 'Connex me' a pre agreed commission. All you then get are many emails , letters and dribble threatening you with court action. Why you may ask, 'If they know my address why do the original debt company not contact me?' Ask yourself: If I was a debt collection agency having spent many staff hours trying to collect a debt we bought from (say) B&Q for a percentage pittance and failed to find the debtor (way back when) its a debt they file away. UNTILL, smarty pants 'Connex or Connex Me', phone them up and say; 'hey Black Horse Finance (allegedly) got any debts you can't collect , you do how much? They reply Mr Terra-Firma owes us £1,000 from 200 years ago. If you can find him or her and collect the money we will may you 10% ie £100. Connex then do a track and trace on electoral role, wedding certification, name printed in local papers, facebook etc and get you to own up  by 'subliminal' contact vaguely suggesting you have come into money or long lost relative/friend wants to contact you. WHEN IN FACT THEY ARE LINING THEIR OWN POCKETS by attacking the subconscious of the target..YOU!
    • I think I would start rocking a few boats and begin by sending them a subject access request. It would be interested to see what they have. Secondly, it's clear that the machine belongs to you and they are obstructing your right to collect it. Not only is this a breach of contract but also it sounds to me as if it is a wrongful interference with goods. Torts (Wrongful Interference with Goods) Act 1977
    • Frankly I would find out where the error is an for instance if they have on file in fact that you won your appeal but there still chasing you, then I think I would be after them on a data protection issue for the distress they are causing.  
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Mint CCA Received - Enforceable?


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Hi recieved a CCA from Mint a few days ago and I am not sure if it is correct or not. Any help would be appreciated!

 

I think this is the application form I filled in as you can see it continually says 'please return all four pages of this application booklet'. However on page 3 it is titled 'Credit Card Agreement Regulated by the Consumer Credit Act 1974'? :confused:

 

Also if you check the dates in the opening letter I think it is fair to say that the statutory time limit has passed (12+2 days)? Where do I stand on this what should be my next step?

 

One other thing I would like to point out as an aside. I stated my income as £8,800 yet it says on the first page they require a £10,000 minimum income, shows their irresponsibility I suppose.

 

Apologies for the quality, their fault, not mine.

 

Again all help is much appreciated!

 

mintletter.jpg

 

mnt1.jpg

 

mint2.jpg

 

mint3.jpg

 

mint4.jpg

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Hi Ping Pong

 

Sorry to be the bearer of bad news, but I am of the opinion that the documents you have scanned up are enforceable.

 

Page 1 is the application form. At the bottom of the page, it refers to the credit agreement overleaf, which you have signed. As far as I can see, it has all the prescibed terms. The only one that you may be able to contest is the credit limit, which isn't specified. I am of the opinion that you may have a hard time overcoming that one.

 

With regards to your question regarding the 12+2 days. There is nothing you can do about that. If they don't respond within the allocated time, the account is in dispute and they can't add charges or interest during the time of the dispute. Once they provide you with a copy, the dispute ends and they can continue as before. You could check and try and claim back any charges or interest during the period, but they will give you the runaround.

 

With regards the £10,000 earning, they could just turn around and say they changed their lending criteria, so I don't think there is anything you can do about that.

 

Have they defaulted you on the account yet? Have you claimed back any charges + interest?

 

Best of luck

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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Hi, thanks for your reply, I had a feeling that that would be the answer.

 

The overall amount of charges on the account is more than the current balance so I guess I will pursue reclaiming the charges now. I have managed to not default yet but have missed and been late for a lot of payments so it has adversly affected my credit history.

 

Thanks again.

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I would get your claim in as soon as possible. That way the account goes into dispute again and they cannot do anything with the account while they resolve the dispute. May prevent them adding a default to the account. Or if they do, you have grounds to fight it, especially if the charges are more than the current balance. Who knows, you may even get some money out of the saga.

Please note that I am not a solicitor or legally trained. The advice I give is from my own personal experience based on my own personal circumstance. If you choose to follow any advice I may give, please make sure you understand the implications of following that advice. :-)

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