Mint Credit Card CCA - Comments?

[twodogs]

Hi All,
I've had this Mint card for about 5 years now and a change in circumstances means I have more going out than coming in.

Can anyone comment on the enforceability of the attached agreement please?

What do I want to achieve? - Ideally a full and final settlement of between 1% and 10% of the outstanding balance if it is unenforceable.

Thanks in advance.

http://i668.photobucket.com/albums/v...gs41/Mint3.jpg

http://i668.photobucket.com/albums/v...gs41/Mint1.jpg

[clemma]

The document you have signed contains all the prescribed terms - I would have to say it's enforceable. You may be better off sending them a letter to explain your circumstances. See HERE as there are a couple of template letters that you could adapt to suit your needs.

[twodogs]

I figured as much but wanted to make sure - thanks.

[dvdriley]

you might be better doing a debt management plan. google it or go through a free service if you cant afford you monthy commitments

[clemma]

As advised by dvdriley - It depends on how many other creditors need paying (if any), but Payplan and CCCS are free, as are citizens advice. It is always something to consider if you feel you need further help.

[freemydebt]

Hi, I'm going through a similar situation at the moment with Mint. I originally took out a credit card with MINT in Jan 05 and I did sign an agreement and they did supply a copy. However, they issued me with a new credit card in Feb 07 with a different credit card number and a new agreement - one that I did not sign . I read somewhere that a similar case was taken to court but was thrown out when the judge realised the credit card number had been changed.

Hope this helps.