Hi all again, thanks for the quick reply yesterday, will send that letter off and see what happens, but I have another question, I was being pressured by MINT to settle my account immediately as I was remortgaging my house and the lender said I had to clear the debtas I had defaulted, so I made them an offer to clear the debt, now looking at all the messages in the forum I now know that my agreement with MINT was unenforceable and what I paid was unfair, is there anything you can do about this????

Hi all, I sent a letter to Collect Direct UK who act for egg saying that my agreement does not comply with s61(1) of the CCA 1974, it does not have a term concerning the credit limit (raither, it defines and "Approved Limit") as required by s6 of the CCA regs 1983 so the courts would be prevented from granting such an order by virtue of s127(3). Today I received a letter back fromCoolect Direct which reads as follows:- Our client has examined this agreement, and your account, and are satisfied that there is no valid dispute and that they have a legally enforceable agreement with you. This, at the very least, is evidenced by your use of the account and receipt of the credit funds. Our client has therefore fulfilled their obligation with regard to your alleged dispute. The Ministry of Justice and the Office of Fair Trading have recently issued a consumer alert, warning people of the risks of being mislead over the enforceability of consumer credit agreements. We therefore strongly recommend you seek legal advice if you intend to rely any further on the alleged breach of any of the acts that govern this account,pertaining to your liability to our client, as your current understanding is inaccurate. So can any one help me further?,what do I do now????? Thanking you in anticipation