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    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
    • Hi Slick.    Originally my contract was with someone else and was a 12 month thing (which I was past) so I assumed it was a one month rolling contract. However when my gym changed ownership Harlands took over my DD (and put the price up).   I didn't tell the gym directly I just cancelled it with my bank due to miss information from my gym. The last DD payment was late last year probably around October time as this has been going on for a while with emails between myself and Harlands.
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bradfordlad

MINT - Response to CCA request

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Hi everyone,

 

I had some really great advice about my MINT card on one of my other threads, which basically suggests they've sent a defective DN closely followed by a termination letter.

 

I did a CCA request to see if I could get the Holy Grail and here's what they've sent me. The second page is clearly a copy of the original application form, but the rest looks like something from their "Template Library"! My first impressions are that the Application form does look like it may be a proper CCA but I still can't get my head around the Prescribed Terms etc etc...

 

Also in the envelope was the current T & C's of 09/09.

 

Could anyone wiser than me have a look over it please?

 

Thanks in advance - BL

 

Ltr - http://i777.photobucket.com/albums/yy57/citygent1911/mintccareply1.jpg

 

App Form/ CCA? - http://i777.photobucket.com/albums/yy57/citygent1911/mintccareply2.jpg

 

Page 2 - http://i777.photobucket.com/albums/yy57/citygent1911/mintccareply3.gif

 

Page 3 - http://i777.photobucket.com/albums/yy57/citygent1911/mintccareply4.jpg

 

Page 4 - http://i777.photobucket.com/albums/yy57/citygent1911/mintccareply5.jpg

 

Page 5 - http://i777.photobucket.com/albums/yy57/citygent1911/mintccareply6.jpg


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

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Hi,

While I'm certainly not wiser, that "agreement" looks a little flawed to me.

It is devoid of any key terms.

 

Do the separate terms contain your signature?

 

The application form does state that you agree to the terms as set out separately which means they would have to prove you received them at the same time as the application. That isn't going to be easy.

 

One other thing. In the covering letter, they state they have received the fee and applied it to your account. That fee is for them and not to be used to help settle the debt.

 

Prescribed terms that should be on the agreement you sign are:

 

The APR

Your credit limit or a statement saying one will be set

Repayment terms

 

Hold fire for more peeps to comment.

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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No, my signature only appears on the application form. The T & C's look to have been printed off a pc, probably from a database. I don't recall getting any with the application form.


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

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Anyone else care to have a look for me? What Silverfox says is quite interesting, but would appreciate further comments.

Cheers :)

BL


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

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I have something similar, how did you get on ?

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Hi Oldchap,

 

actually, I've not heard anything more from them since they sent this "agreement".

 

Hopefully someone might see this thread who knows more than I!


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

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Further to previous comments about the unlawful recission of the account by Mint, I'm a bit confused...

 

Although I didn't write accepting their unlawful recission of the agreement (although I understand I'm not obliged to do so), I have continued to pay the pro-rata amount I originally offered.

 

Is it now worth me writing to them (forgetting about the validity or otherwise of the CCA) along the lines of:

 

following your unlawful recission of the account last year, by my calculations I have now paid £75 towards the arrears figure quoted in your termination letter.

 

I now consider the account to be repaid in full.........

 

OR words to that effect (if someone could point me towards a better version I'd be grateful!!)

 

BL


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

ll your help

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I'm not an expert so sorry can't advise in this instance. Battling with Mint because they sent a postage size copy of the CCA and have now handed to a DCA who are threatening me.

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It looks as if you are missing the reverse of the credit card agreement.

 

The document which follows your link to the front, would appear to duplicate the text on the front - so that's not the reverse.

 

The other information appears to be a copy of the Terms & Conditions at the time of applying for the account - whilst it says that you agree to be bound by the Terms & Conditions for the "executed agreement" to be properly executed all the prescribed terms have to be in the executed agreement itself, and cannot be separate.

 

So at the moment it's a fail for RBS.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Hi again!

 

Enron, apologies for not coming back to you - this case fell off my radar as you can tell by the dates!! over the last 2 years, I've been receiving random letters from DCA's, but all's been quiet for a good few months until today when a letter from Wescot arrived threatening a doorstep collection.

 

Obviously I've fired off a letter saying I won't agree to an "appointment" with their agent, but it got me thinking. I initially challenged them on the grounds of unlawful recission, but I'm led to believe that that may not be sufficient to fend off court action now?

 

If that is the case, could anyone confirm whether the "agreement" in the earlier post would be sufficient defence against any court action? I'm hoping they'll disappear for another 12 months, but would like to know where I now stand just in case I get a letter from Northampton!!!

 

Cheers :)

 

BL


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

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Hmmm - wescot now say that RBS complied with the CCA request so they want my repayment proposals.

 

Just referring back to what Enron said in post #9, how best am I to respond to wescot's latest letter?

 

Cheers

 

BL


Well 6 years on and most of the defaults have disappeared, thank you CAG for a

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