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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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  • 4 years later...

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.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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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.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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