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cleo4patra

Trustcard - MHA collections

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Have had long running dispute over CCA for a trustcard - they keep sending me application form - and separate T & C's.

 

Has been passed on to MHA collections (Lloyds in house collectors) who have sent me a letter with 3 "special offers"

 

  1. One payment in F & F settlement at a discounted rate of 85% of balance
  2. F & F over 3 months - discounted rate of 90% of balance
  3. Repayment arrangement - pay minimum of 2% of balance for next 3 months and and arrears will be cleared.

Why is that - anybody??????

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Probably because they cannot provide an enforceable CCA. :rolleyes:


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Probably because they cannot provide an enforceable CCA. :rolleyes:

I am unsure of next course of action

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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long time since I posted on this one - bought by Capquest. I sent them "in dispute" letter very recently. Capquest have sent me a letter requesting I send them the copy agreement that Trustcard sent me and reasons for dispute? Is the usual way? Should I send a £1 and CCA request to Capquest now - many thanks

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There is no reason why you should send Capquest the copy agreement.

 

Write back and state the reasons for the dispute and tell them you have no intention to supply a copy unless ordered to do so by a court.

 

Remind them that if they do not hold a copy of the agreement the account remains disputed until they have one to hand.


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thank you - will write today. Checked back on old documents - I have only ever received application form from them - has been to many DCA's previously. thanks again

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What other data was supplied with the app form?


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some separate T & C's - I have just moved home so at the moment my actual paperwork is unaccessible but have electronic records on memory stick of all correspondence betwenn myself and Trustcard and DCA's

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will be Statute Barred in a years time

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some separate T & C's - I have just moved home so at the moment my actual paperwork is unaccessible but have electronic records on memory stick of all correspondence betwenn myself and Trustcard and DCA's

 

I guess they are relying on the app form and the Ts & Cs as a recon agreement so satisfy a sections 77/78 CCA request.


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thanks - I will retrieve hard copies asap and post on site agin

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