MandM v Mint

[MandM]

thanks DX what should i do next as I mentioned have not heard anything from them since Aug 08. Should we let sleeping dogs lie and keep this up our sleeve until they wake up.

 

Mrs M

[dx100uk]

up to you

i thought you were angling to get the default removed.

 

if you are not bothered then don't oupp their string.

 

you'll prob get a dca chasing, if thats the case & [like normally happens] the CCA is unenforceable, then i very small F&F would prob see this A/C done and dusted.

 

dx

[MandM]

Thanks . She has a few more defaults so getting this one removed probably wouldn't help her but at least we know if the DCA comes back then we will have this up our sleeve.

 

Mrs M

[dx100uk]

do you mean defaults? or do you mean late payment markers?

you typically you should only have one per agreement.

 

dx

[MandM]

do you mean defaults? or do you mean late payment markers?

you typically you should only have one per agreement.

 

dx

 

Hi dx,

 

Sorry, I meant more defaults on other accounts

 

Mrs M

[MandM]

Hi, Just an update.

Sent a CCA to mint. They replied in early December 09 and sent a copy of the agreement, looks like ours and a few others. They said in their letter that the balance is still outstanding and that they have not sold the debt, but still not heard anything from DCA or them.

 

Wait and see I suppose. Have still got the dodgy DN to fall back on.

 

Mrs M

[means2anend]

subbed!

[Dotty50]

Hi MandM

 

What's the latest on this?

 

Similar case as OH, different CCA though

[MandM]

Hi Dotty.

 

Nothing's changed here yet. Still getting the odd letter, paying token amounts. And they send a statement every now and then.

 

M

[Dotty50]

Hi MandM,

 

Do you mind what % of the payments you are making or do you just pay as much as you can?

 

Have to say, Mint have not harassed us with calls and agreed 6 months freeze of interest. Just not happy that they plan to register a default.

 

I think if you are paying under an agreed arrangement, then I think the CRA's should be advised accordingly.

[MandM]

Hi Dotty,

 

tbh Mint have been pretty quiet. They get much less than there 2.25% they wanted, it's a fraction of that. I'll dig the figures out tomorrow but they gave in without a whimper.

 

 

Just not happy that they plan to register a default.

I thought they marked it accordingly if you were paying under an arrangement but the default's still there. But only for six years from when it first went on. 4 and a half to go .

 

M