We beleive that our charges are fair, reasonable and transparent. We consider that the amounts debited to your account have been applied strictly in accordance with your agreement with us and our published tariff, which we are satisfied, coplies with all applicable laws and regulations. We are also commited to ensuring the transparencyof the information that we give to our customers about the operation of our products.
Whilst strongly disagreeing with the OFT's legal position on credit card default charges, Mint has lowered its late payment and over limit fees for credit cards to £12 with effect from 28 June 2006
It os not our policy to refund late payment/over limit fees that were charged previously at a higher level at the time the fee was incurred.
Consequently againts that background, we must differ with the views expressed in your letter and will not be refunding the charges applied to your bank account.
Zzed V RBSAdvanta Urgent help here
and juddered to a halt on 27/11/06
2008
Settled Nov 2006 
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