Hi,

could anyone tell me what % people are claiming against MINT. I have found rates from 8% to 33% and I don't want to get it wrong.

I am going to charge them as per their unauthorised borrowing rate as most of my charges are for going overlimit not being late with a payment.

Many thanks.

Your charged interest rate will be on your statements. Don't guess, because they will strike out your claim. I am presuming you have not received your statements yet. Your S.A.R - (Subject Access Request) request was late April. GOOD LUCK.

Have other claims been struck out because rate was wrong?

I've seen no evidence of this.

I've charged them at their cash advance rate as thats what they 've charged me for all the amounts on the card.

SAR complied with.

Prelim sent for 280.00.

Offer recieved of 59.36 as F & F settlement, turned down F&F bit.

LBA on its way 21/06/07

Another letter today 27/06/07 with same offer.

Shall I move to the next stage or wait the 14 days from LBA?

Wait the 14 days. You have to show you have been reasonable. They won't take your claim to much further, because the amount involved makes it uneconomical for them to continue to far. Good luck.

Customer Contact Centre CUSTOMER SERVICE

PO Box 6050 Southend-on-Sea SS99 1WL

OurRef: LS/BL/RBS

27 June 2007

Account Number: XXXXXXXXXXXXXXXX

Dear Mrs XXXXXXXX

Thank you for your letter dated 21 June 2007, in response to my letter dated 14 June 2007.

I note your comments, however I would like to reiterate that my letter dated 14 June is the banks final response and therefore we are unable to enter in to any further correspondence regarding this matter.

Yours sincerely

Sarah Appleford Team Manager Customer Care Team

I got the same letter from MINT and I am about to put together the MCOL claim.

same letter i got as well

Filed court claim.

Me too via MCOL. According to the MCOL website it has been accepted and has been issued against RBoS so it will be interesting to see what happens over the next 14 days. BTW which RBoS address did you use on the claim?

Customer Contact Centre CUSTOMER SERVICE

PO Box 6050 Southend-on-Sea SS99 1WL

I used the English Head Office at 1 Princes Street in London so it will be interesting to see if one address is quicker or more effective than other. The main reason being that it is close to where I work so it would be quite satisfying to see the bailiffs go in but I doubt that it will come to that!

Just back off hols and heard nothing at all.

What should I do?

bump

Anyone please????

I got no further response from MINT/RBoS until I put in the MCOL claim. Their initial response was to respond by saying that they would defend the claim. After a couple of weeks though they wrote to say that it was uneconomic to defend a small claim (mine was £240) and so they paid in full (claim, interest at 16.9%, refund of Court fee) and included a cheque.

At the end of Sept I wrote to Mint asking them to hold action on the account for at least 28 days due to a sudden but temporary drop in income. I received nothing from them, but today received this month's bill with all oustanding amounts added on, totalling £438.

There is no way I can afford to pay this amount. I can afford to pay this month's bill, but how do I negotiate to repay the arrears and all the interest added on in installments?

Thanks!

Mrs P

Has your income since returned to the previous levels?

Yes

Pay what you can afford to pay.... and write a rec. delivery letter asking for them to suspend the interest for a 3 month period until you can get yourself straight.

Is this a defaulted account or do you still use the card ? Need a bit more info.

Even if you have defaulted, as far as I am aware, as long as you have made reasonable proposals for getting yourself straight, then they cannot issue court proceeding etc.

Perhaps it may be prudent to draw up a schedule of income and expenditure, and send it to them Special Delivery, with your proposals and that should be that. Stick the the arrangement.

Have a look at CCCS - Free Debt Advice from the UK's Leading Debt Charity where you can find out about Priority Debts (Mortgage / Rent / Council Tax / Utilities etc) and follow their process. Try CCCS - Preparing a Personal Budget

Check out OFT guidelines as well and perhaps quote a few of them to them.

Can you be defaulted for making late payments?

Could someone please check if this CCA is enforceable - thanks!

There are a few differences between image 1 and images 2 & 3, ie credit limit, APR, default charges etc

I received letter from Triton Credit Services today, rang them and my payment has been cashed. I asked to change the repayment date (to suit wages) and was told it had now been passed to Solicitors. I have not missed payments, some may have been a little late, and as far as I was concerned, my arrangement to pay an agreed amount was still running.

bump

Did you take the RBS Advanta account out online, Phatram? I had an RBS Advanta card (similar age to yours) and applied via a mailshot - I have never seen anything like the document they have sent you. Do you remember signing it?

Royal Bank of Sotland boast about recreating lost documents; look at anything they send you very closely!