Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
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After sending the DPA letter on 20/06, have had a response from MINT to say they've received my request which will be processed shortly. Also to confirm that they've applied my £10 payment for this to my account in error. Buffoons.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Received statements this morning, and in the couple of years I've had the card, the fees total £140. But it's £140 of my money, so the prelim letter goes out this afternoon with my love and best wishes.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Well, MINT have politely decided to completely ignore my preliminary request for repayment. No response at all......although their latest statement arrived on time as ever.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Today, one day prior to my deadline before I file on Moneyclaim, MINT respond with an offer of £56. This represents the difference between what I'm claiming and the £12 they, mistakenly, feel justified in charging.
Now, normally, I would send off a letter accepting it as an interim payment towards the total owed. However, I'm on deadline for filing on MC.
So, my question is, should I:
a) Contact them to accept as an interim payment, informing them that I've filed a court claim for the rest.
b) Simply file a claim for the rest without contacting them, since they've not refunded in full within the deadlines given in my preliminary and lba?
or
c) neither of the above as you've a more suitable course of action which I should take (pease advise)...
Thanks in advance.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Regarding the last post, I contacted MINT and told them that I accept their cheque as an interim payment towards the final total, but as their deadline is up that I'll be persuing this through the courts. I decided to wait a week to see of they contacted me, which they have, but just saying that they will be in touch within the next two weeks after reviewing the situation.
So would you just press on with Moneyclaim? If I did, would I be perceived as being reasonable. having already given them at least 5 weeks to pay up in full? I sense it's just another stall tactic to drag things out a bit longer, but just wanted to see what you think.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
That's good enough for me!! Thanks for the back up.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Back from my hols today, and they've settled in full.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Bank of Scotland: Claiming £699.47, SETTLED IN FULL at moneyclaim stage
Sisters NatWest - Claiming £1056 - SETTLED at AQ stage
Natwest CC - Claiming £804, SETTLED IN FULL at LBA stage
GF Natwest - claiming £749.33, moneyclaim filed - SETTLED IN FULL 04/08
MBNA: Claiming £150 - SETTLED IN FULL at LBA stage
HSBC: £1014 - SETTLED at LBA stage + pending charges removed
Sisters HSBC - £300 - SETTLED IN FULL at prelim stage
Yorkshire bank - claiming £496.68 - SETTLED IN FULL at court date stage.
Capital One - claiming £605.54 -SETTLED IN FULL
Good for you!! I've just started to look at my charges with MINT; although it's only £40, I will claim. I did wonder about the new £12 and the stance the banks etc would take. I assume MINT will try to deduct my £12 charge and wanted to know if I should tell them to stick it. Now I know the answer's yes!!
I'm dipping my toes in the water with this one, because my other half has a list of charges a mile long with Lloyds TSB, so want to support him in claiming all that back!!
You assume correctly, they'll try and offer you the difference between the £20 and the £12. Stand firm. All will be fine. If you need any help, let me know.
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Wouldn't life be mundane if we didn't have the banks to keep us all busy??
First Direct - Settled in full 01/07 Capital One - Settled in full 06/10/06 MINT - Settled In Full 30/08/06 HSBC - Settled in Full 15/12/06
Barclays - - Settled in Full 29/11/06 Morgan Stanley - Settled In Full 03/10/06 MBNA - Settled In Full 23/09 American Express - Settled in Full 30/11/06 via bailiffs
Amex tried the same with me ( £240 owed )...... I refused (accepted offer as partial) and am going for the rest. Cheeky bu**ers
Dave
** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **
see you stand like greyhounds in the slips,
Straining upon the start. The game's afoot:
Follow your spirit; and, upon this charge
Cry 'God for Harry! England and Saint George!'
If you think I have helped, informed, or amused you do the clickey scaley thing !!
Wickerman vs MINT
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If you think I have helped, informed, or amused you do the clickey scaley thing !! 