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.
could somebody direct me to the where the draft of the letter to send off to mint requesting my charges back.
i have already sent the letter re- statements and have recieved these back, have worked out how much they have charged me and just wondered if the letter i send a credit card is different than the one i send a bank
Hi Tony The letter is the preliminary one (asking for it back ) and theres a link for this its in the bank temps folder see bottom of this post.
Dont forget to send a charges schedule with it too.
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No worries we are all new here at one time.
A charges spreadsheet/schedule is a list of the charges you are wanting to claim back.
These should be listed by oldest date first.
Next type in what the charge relates too...ie unpaid cheque charge......unauthorised overdraft etc etc.
Then enter the amount charged.
Basically this is your statement showing the charges you are claiming back.
To help you do this there are spreadsheets in the bank temps folder (link at bottom of this post )
remember not to include the 8% interest until you submit the court claim forms.
hope this is a little clearer.......there are examples and more details on how to use the spreadsheets in the temps folders.
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It is likely they would use this in any defence so send one ASAP.
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got my reply from the letter requesting my charges be refunded today
bit shocked there was not even an offer of goodwill
just a letter saying they do not agree.................... .....remember when i spend on a credit card i am borrowing there money and if i go over limit, late payment i should be expected to pay a fee...................... ..........i sgned the contratc knowing the charges
the only thing they have said really is that they have now reduced there fees from £20 to £12
so is the next step the letter to the small claims court
i have had a look on the forum and cannot see any success stories with mint
has anyone had success
has anyone had success v mint as i cannot see anywhere on the forum that thye have
they only owe me £135 so i am wondering, as its a small amount that this is why an offer was not made
anyone ???
big dutch
I have just this week received a letter from the Court saying Mint has paid the bailiffs and the money will be with me when cleared.
Mints have not responded to any of the courts letters and I had to issue a warrant for the bailiffs to go and see them.
I wish I was there to see there sorry little faces.
bob, did you send an lba first or go straight to the MCOL
so far i have sent a letter requesting statements that i recieved, then sent a letter requesting my charges back that they replied to with no offer
like i say, do i now send the LBA as advised in the library or go straight to MCOL
as help is very much appreciaited
its only £132 but its the principal now (especially as they have charged me £36 this month for a late payment they say i had in august
tony v mint
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Originally Posted by bobtheb
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