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.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
Hi Neily, where did you send your data request letter to? There doesn't seem to be much information on Mint credit cards on the forum especially in terms of contact details etc. Hope you can help!
Yeah I sent my DPA request to that address too.
Neil x
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
Just to let you know that i sent my access request to the address that i gave you on 22nd August. I recieved all of my statements on 14 Sept. Prety good response. Proof that it works. Hope this info makes you feel better. Good Luck!
I've still heard diddly-squat from MINT since I asked them for statements at the end of August.
Ho-hum
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
Peter's optimism was justified, and the statements duly turned up a couple of weeks back. The total was pleasing: £479 including interest. My balance on the card is less than that!
Prelim duly sent off on the 5th, which within a week generated a standard "We're sorry you're not satisfied" letter from the boys and girls in Southend-on-Sea. (Don't these credit card companies base themselves in some random places?!). They promised to get back to me within two weeks; not quick enough to prevent my lba going off yesterday.
They've now got until the 2nd of November before they get hit with a writ.
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
Sorry for the late reply, not been on for a while.
Thanks for your kind wishes.
As far as I understand it, the default does not prevent your wife from claiming. In fact, if the default was caused solely by unlawful charges, she would have a case for removal of the default through the courts. There are several threads on here which deal with that - search for "default".
Best of luck
Neily x
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
18/11/06: received a letter from Mint informing me that they have refunded £424 in charges and £3.36 in interest to my account. They dispute my calculation of interest at £178.91. In fact I had claimed interest imposed by Mint of just £45.16, plus contractual interest of £133.75. They seem not to know what I mean by contractual interest.
They say that because of the way charges are paid off before purchases and cash, the bank interest is just £3.36. I accept this - the spreadsheet I used assumed charges would be paid off LAST. A look at the back of my MINT statement shows that they do allocate payments in the way they say. Not all cards are like this, however.
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
15/01/07: wrote to Mint after a long break, revising my claim in view of the refunds but explaining why I still wanted contractual.
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
05/02/07: received a sod-off reply from Mint. They have paid the interest, so that's it. Not sure how far to pursue this one - has anyone else put a court claim in with just contractual interest left, after charges and bank interest have been refunded? Have you won?? I'm minded to back-burner this one until I've fried the bigger fish (Halifax etc).
NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346 Mum vs Barclays - SETTLED FOR£1,200 Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute Mum vs HSBC - SETTLED FOR £1,733 5% donation to site when our refunds are received... Read the FAQs First!
Neily vs Mint
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