CCAs - what next?

Ex-Spendaholic

Can someone please advise on this please? OH has these 2 cards which we hope to make !!!!!! offers on ASAP. However we haven't heard from them recently and not sure what to do next:



Card Number 1:

Mint (but with Triton)

Account opened in 1995 and managed well until around 2007 and then we had problems and it got passed to Triton - payments of £100 maintained since then

Amount owing £4522 - (will be £4013 after charges refund)

Making repayments of £100 per month but haven't paid Dec, Jan

Mid Dec - sent letter requesting CCA

Triton sent this back asking for me to put the account number on (it already had but I sent it back anyway)

Then received letter saying they had passed it to Mint

Mid Jan - sent letter claiming £509 in charges - they have now confirmed they will refund these against the balance

24 Jan - sent letter to Triton putting account into dispute

Have heard nothing since



Card Number 2

Egg - taken out in 2006 (ish)

Passed to CDUK and was paying £100 per month but missed Dec and Jan.

Mid Dec - CCA request submitted

10 Jan - received letter from them saying they were no longer dealing with it so CCAd Egg

24 Jan - sent letter to Egg putting account in dispute

Charges claim of £220 ongoing


What should I do now?

never-in-doubt

Ex-Spendaholic wrote: »

Can someone please advise on this please? OH has these 2 cards which we hope to make !!!!!! offers on ASAP. However we haven't heard from them recently and not sure what to do next:

See here for full explanations and template letters: Unenforceability & Template Letters II

Ex-Spendaholic wrote: »

Card Number 1:

Mint (but with Triton)

Account opened in 1995 and managed well until around 2007 and then we had problems and it got passed to Triton - payments of £100 maintained since then

Amount owing £4522 - (will be £4013 after charges refund)

Making repayments of £100 per month but haven't paid Dec, Jan

Mid Dec - sent letter requesting CCA

Triton sent this back asking for me to put the account number on (it already had but I sent it back anyway)

Then received letter saying they had passed it to Mint

Mid Jan - sent letter claiming £509 in charges - they have now confirmed they will refund these against the balance

24 Jan - sent letter to Triton putting account into dispute

Have heard nothing since

Send this to Triton: 2. CCA Reminder

Ex-Spendaholic wrote: »

Card Number 2

Egg - taken out in 2006 (ish)

Passed to CDUK and was paying £100 per month but missed Dec and Jan.

Mid Dec - CCA request submitted

10 Jan - received letter from them saying they were no longer dealing with it so CCAd Egg

24 Jan - sent letter to Egg putting account in dispute

Charges claim of £220 ongoing


What should I do now?

As above; send this to Egg: 2. CCA Reminder

But bear in mind the following useful thread regards to Egg agreements: Egg Card - CCA Flawed?