Mint - MINT CARD (part of bank of scotland) passed to Moorcroft

[hurtandconfused]

Hi There,

 

I have a MINT CARD I had it for 10 years there is a £5003 default balance 14/2/13 last payment made on March 2012 passed to Moorcroft debt collectors

 

does anyone have experience of dealing with these people? im in a difficult situation at the moment but really trying to get life back on track

 

They supplied a copy of original agreement has a squiggle in the signature box (this is my squiggle)

there is no ppi on this account

 

any help would be much appreciated

[dx100uk]

ignore moorcrap

 

they are not BAILIFFS

 

and have no such legal powers.

 

deal directly with the creditor.

 

if you are happy the CCA is correct

 

then it might be in your interest to make token payments directly

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

[hurtandconfused]

Thank you so very much I really appreciate this!

 

how do i pay the £5 token payment? I didnt want to give them my new bank details incase they debit more and to avoid the change of failed direct debit fees

 

I will write them a letter just now and see what they come back with

 

thankyou

[hurtandconfused]

sorry i just noticed you said pay by internet banking - im assuming i just ask them their account number sorry for confusing

thanks again

[Desperate Daniella]

Hi hurtandconfused,

 

Is what they sent you a proper agreement with the Prescribed Terms or just an application form? It doesn't matter if the signature box says it is an agreement; it must have the Prescribed Terms.

 

This is very important.

 

Can you scan it up, removing your name, address, and signature.

 

DD

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[dx100uk]

the details of how to pay by YOUR internet banking webportal

 

are on the reverse of most bills

 

dx

[hurtandconfused]

hi thankyou for reply, Ive tried to photo it and upload it there are 3 pages thankyou so much for your help

this is my signature (the one i usually do in a rush ie the postman - not usual for me to sign a document like this)[ATTACH=CONFIG]44852[/ATTACH][ATTACH=CONFIG]44853[/ATTACH][ATTACH=CONFIG]44854[/ATTACH]

[dx100uk]

follow the guide

please pdf attachments

 

dx