Baz1977 vs Mint\equadebt

[baz1977]

I have had my credit card passed to a credit agency. (equadebt)

 

I was gettin numerous calls, letters etc etc.

 

i finally agreed to pay 100 a month and the balance was set and no more interest was going intop.

 

I recently heard about, (do the credit agency have a copy of the original agreement.)

 

I sent a data protection act letter requesting documentation regards agreement to equadebt ltd and they replied indicating all payments are on hold.

It has been around 3 months now and i havent heard nothing.

obviously they havent got a signed agreement to declare to me.

 

Does this mean i can ask them to quash the balance, also can i ask them to clear the credit file of any negativeness.

 

Any ideas of where i go from here pls.

 

i have had a look around the forum but unsure. assistence would be grateful.

[spartathisis]

Welcome to CAG:) There is a lot to read to try and get up to speed, but it is worth it. The more you know the easier it gets, honest. First rule, NEVER speak on the fone with any creditor always in writing as you then have a record. They will lie and fake your comments on their files on you!

 

Passed or sold? Find out if your not sure

Have you contacted RBS yet? Contact with SAR asap

When was acc opened? Can affect cca validity

Are you still paying? Stop now

 

Send account in dispute letter (in templates I believe) to equadebt, reason no CCA. eqadebt prob wont have the cca, but RBS may but having problems finding/retrieving from archives. Depending when account opened could well be not available or just an application form. Dont forget they only have to send a "true copy", not the original as they are then fulfilling their requirements under cca 1974. If they send t & c`s and something that looks like a cca but not your sig on they prob dont have anything:)

 

Some threads here that might help:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/188785-mint-what-load-rubbish.html

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/203842-when-did-advanta-change.html

If it is not valid (youll have to post it up for us to c) they cant take you to court, but can still ask for money. If they dont have anything they shouldnt be doing anything but closing the account, BUT it will be a hard task getting them not to report to the referencing agencies. All finance co`s think they are above the laws of the land.

 

This is one of my threads that may give a little background into what goes on:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/186500-have-i-been-too.html

 

[baz1977]

thanks for your time i will read up on what you have advised.

 

will keep u posted.

 

the account is from about 2003 -2004

[spartathisis]

At least its covered by the older legislation thats good news.