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Hi everyone


I’m sorry if these questions have been answered within your forums but I’m so confused by everything that is going round I thought it best to email you.


I have on my credit filelink3.gif 2 default notices 1 from Mint and the other from NatWest, both of which in my opinion should be arrangement to pays.


The default registered by Mint was for a credit card, I had lost my job and my father had passed away so I was due some inheritancelink3.gif money. I rang mint and advised of this and said up until I get the money I will continue to pay £30 towards my statement. They accepted the payments and I then proceeded to pay the full balance to them. No mention of defaults and no notice received. The default was registered in June 2007 and I only know about this now as I have tried to apply for a mortgage and was declined.


The same situation applies to NatWest however the money owing to them was for an overdraft I also paid them £1800 of the £2100 as there were alot of charges included. They accepted and advised payment was in full and final settlement.


I have sent both companies letters in line with http://www.learnmoney.co.uk/credit-file/remove_default_notice.htm l.


The responses from both companies that were default notices are system generated documents and they are unable to provide true signed copies and that as the debts were paid they have no obligation under the CCA to supply me with a copy of the original credit agreement.


I then referred the complaint to the foslink3.gif, they have advised as I am challenging the defaults on a legal basis they are unable to provide any help.


I now feel I am left with no choice but to take the matter to court. However I find this a daunting and scary process.


I came across this forum and you all seem very knowledgeable in relation to taking financial institutes to court.


What I was wondering was do you think I have a case to take to court and is there any help you could give on taking this to court.


Obviously any time spent helping me would be greatfully appreciated


Looking forward to your reply.



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Mint have stated that they do not have to comply with the consumer credit act and supply a credit agreement or default notice as the account is now settled in full.


I have had enough of them and have sent them a letter before action today. Only problem is I have no idea on how to proceed and take this matter to court, what information I could take as a case reference and what my evidence should be.


I sound hopeless dont I lol.


Please could somebody help me with urgently as I only have 14 days to prepare a case.


Thanks in advance

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