Mint - Wescot

[marypoppins]

Re: Mint - Wescot

Hi TC, I'll have to find this old file out and see what we've got!

Thanks cymruambyth, we'll see what happens!

[cymruambyth]

Re: Mint - Wescot

Hi MP I'm in the same position as your husband with a debt for myself and one for OH! They were nice unlike all the other creditors so I carried on with my token payments . 2 years ago I sent CCAs -they are UE and I stopped paying. All the records have dropped off the CRAs And we are happily paying letter ping pong, well actually it is now letter ignore! OH has never written a letter, he occasionally opens one and has a panic attack, but I have cleared thousands in his name with him virtually unaware of what is going on

[The Tech Clerk]

Re: Mint - Wescot

Wescot do not own debts they are a collection (on commission ) agency , RBS advanta have you any letters in the past saying sold to debt purchaser if so to whom>? sure others will respond also soon.

[marypoppins]

Hi everyone,

I'm looking for anyone's experience with Wescot.

Long story short - this is my husbands cc and had a balance of approx £9k and because we thought it enforceable (we used a different site at the time so it may be questionable!), he continued to pay an agreed monthly payment of approx £80 and Mint were the only ones that actually listened to our problems at the time.

Forward six years plus, the balance is now down to approx £2k so of course it's long gone off the CRA's. We are in a position to try and get rid of the debt but want to try and get them to agree the lowest possible sum which they no doubt it will have been bought for pence!

Wescot write on the odd occasion for a review but the letters were ignored and we carried on with original agreed payment and they've never given us any grief which isn't really a surprise as we've paid loads off it!

Personally, I would be inclined to just stop paying and see what happens but OH doesn't want to start getting hassled for it.

I don't believe anything can be put on the CRA's so what's the point of any negotiation?

p.s I've just found the thread I started on the other site I used and the card was originally RBS Advanta