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MurphyW

RBS/Carter claimform - Mint Card - CCA Is This Enforeable?

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Hi Dotty,

Good result on one part. Well done.

Will let you know how I get on.

Thanks for the good wishes B

Yours

Murphy

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Hi, sorry not to follow up.

 

 

Initially MINT withdrew the case from B Carter after I had agreed to pay a monthly amount.

It was all set up and they passed the case to another DCA.

 

 

After writing to them I was told that they were entitled to change DCA after a 3 month period if no result had been achieved!

The court case is currently stayed with an agreement in place but no Tomlin Order or CCJ.

 

In the end as we have a number of credit cards we decided to stop paying them all (including my other half's) and put all through a Debt Management Plan.

 

 

Saved me loads of time and angst as they now handle all correspondence for all our debts leaving me free to concentrate on earning money to pay it all off sometime in the future.

 

I wish all on here successful claiming, as I'm sure there are ways forward for all depending on individual circumstances.

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Hi everyone,

 

Here is a follow up to this thread.

I've been paying a nominal amount to Mint since putting various card debts into a DMP.

 

The DMP provider had to stop trading due to the new rules of the PRA.

I carried on making the same payments as agreed.

 

I received a letter with a MINT logo from Wesc0t dated 5th of September saying that the debt had been assigned to Cabo0t Financial on 3rd July 2017.

Wesc0t will be managing it on their behalf.

 

Is it worth requesting a copy of my CCA from Cabot to see if they have an enforceable claim?

I will update my other threads for others to see any results.

 

Cheers

Murphy

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Hi fk,

Thanks for coming back so quickly.

I'll do that and let you know what happens.

Murphy

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Mint was the one card my OH continued to pay because they were the only ones that accepted an offer of a reduced payment.

 

We decided a couple of months ago that they'd had more than enough money so we stopped paying.

 

It has now been sold on to Cabot and they have sent a few letters but nothing of concern so far, also had a few messages left on our landline.

 

We will not be making any contact until anything drops through the letter box which concerns us and from experience, this will take some time.

 

If you've not heard from them yet, I think it's best to leave well alone for now.

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who was this DMP with...

 

was RBS the claimant on that court case?

 

yes CCA cabot


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Hi DX,

The DMP was with a company called London United Developments which was a contact that I had from some time previously.

 

RBS were the claimant through Bryan Carter Sols and I have posted the court stay as MINT agreed to a regular payment being made which I have kept up to date.

 

I'm now unsure whether this court order stands now that the alleged debt has been sold to Cabot.

Any advice is very welcome.

Yours

Murphy

 

Hi Dotty, good to hear from you.

Hope you are getting sorted. I've still a long way to go but have had some success where a debt has been sold on and there is no longer a CCA available from PRA group and they have advised it is now unenforceable.

 

I have sent them a CCA request for this account and will see what they come back with.

Yours

M

MINT BC Court Agreed Post 1.pdf

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so what happened?


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Hi DX,

Finally in May 2018 they wrote to say that they are currently unable to get the information of the CCA from the original lender and that until they can, the account is unenforceable.

 

As they (Crapbot) had not provided the required info by end of 2017 I stopped any further payments to them.

 

I'll let them keep asking for a plan...

 

How long for statute barred?

 

Is it 6 years after after last payment made?

 

Thanks for all your and the teams help.

Murphy

Edited by dx100uk
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Yep last payment

Was this the only debt in the plan?

  • Confused 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Hey DX,

Noooo, not the only C/cd debt in the DMP!

Also had Cap1, Citi, Old Providian. No CCA except CAP1 and all sold on to DCA's

Have B/Card, B/Mastercard and not had contact since stopped paying them through DMP and don't know who currently holds the o/s debts. Will be interesting to see if they respond to my C of Address letter when I send it.

I'm only paying a nominal amount to CAP1.

 

OH has 3 cards too none have the CCA's available so not paying any.

None are on our credit files now!

 

BTW - just sent a donation.

 

Murphy

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good as long as your not blindly paying …

must be quite a sum of debt written off in a word then


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Yes, quite a sum assuming nothing comes out of the woodwork.

All cards pre 2007 too.

Will find some more funds to support you soon, as have just become mortgageable again and have bought a house that needs some work doing to it.

Caggers have been a fantastic resource and support. Thanks all!

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