Mint Card help

FredFlinstone

Hi this in on behalf of my mother in law. she ran up a hig mint cc bill and was unable to make the full minmum payment so was very silly and just didnt pay. it got passed to a debt agent who she then set up an arrangement with them to pay a minimul amount and she has been making these paymetn on time.

today she recieved a letter saying that her debt had been passedd onto anotger agent and they want abalance of £125.00 paid now or there will be court priceedings.

just wondered if anyone jnew where she stood or what can be done. she doesnt have that sort of money

NatD1978

My brother got into serious debt, and this sounds similar to what happened to him.

Basically, various companies buy Bad Debt, to see how much of it they can get back. He was in a real mess (lets just say he won't be able to get another CC or loan for a while). However, what he did learn is that a lot of these companies use bullying tactics to get the money from you.

Simply tell them you can't afford it. Is the total balance that remains only £125??? I would offer them half of that amount to settle straight away and cancel the debt if your M-I-L can affrord it. If not, offer them what you can afford (i.e. £10 a month). For that amount of money, they won't take you to court.

Hope this is of some help. Am new to the site, so am sure some more learned members will come up with some other advice as well!!!!

Good luck.

FredFlinstone

thanks natd1978.

no £125 isnt the reamining amount it goes in tothe k's but for some reason they are asking for £125.00 or court action she rang them this afternoon and they did as you said bully tactics they wouldnt even accept her miminum offer so im not sure what else she can do??