Mint Card Help

whirlygig

Long story short - I had a Mint credit card that I fell behind on, then defaulted and it got moved onto Triton Credit Services. I did some research on this board, wrote to them asking them some difficult questions about their relationship with RBS, but also offering them 25% to clear debt.

Anyway, a few weeks go by and then I start getting calls/nasty letters with red writing from a company called AIC (Allied International Credit (UK) Ltd). Based in Glasgow, registered in Basingstoke.

So I called them up and they said they have declined my offer and are looking to take me to court, put a charge against my property and force a sale/apply to bankrupt me if I don't pay the whole debt right now.

Needless to say I don't have the money, but said my offer is reasonable and I'm happy to pay that and even go on a sensible plan to clear the rest. They again declined.

So I'm struggling about what my next step should be, so I have some questions.

- Does anyone know anything about AIC and their relationship to RBS/Triton?
- If they take me to court, is what they say a possibility? What can I expect to happen? I thought if I make reasonable steps to manage the debt then the court wouldn't do this? I am wrong/right?

I've just killed 2 other cards recently so to get this under control would be nice, any advice appreciated.

Whirly

rayday2

I have dealt with Allied in the past and they have been fine.

Maybe you should deal with them through either the CAB, or National Debt Helpline. When you have offered payments have you supported it with an income/expenditure statement?

rayday2

Also sorry I hit the post button too quick. Are you dealing with them via writing or phone? I would deal with it in writing only, courts really don't like there time clogging up when people are offering to pay so communication in writing proves you were trying to do that.

Check out national debthelpline template letters there are some there about when companies refuse to accept payments quite a good strong letter. Also download the payment thing to do in the income/expenditure statement.

whirlygig

Thanks...do you have a website link?

Searching for 'National Debt Helpline' comes up with all kinds of IVA type cowboys