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.
Re: mint - charges info recieved but not in a statement form
You will need the exact dates to accurately calculate the interest.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.
"Some people say The Stig chews on spark plugs and drifts while walking. Some say he is terrified of ducks, and that there is an airport in Russia named after him. All we know is that he is really barracad from The Consumer Action Group" - Jeremy Clarkson (allegedly)
They also provided me with a nice explanation of how manual intervention worked, but didnt actually give me any cases of manual intervention about my account (if any)
Re: mint - charges info recieved but not in a statement form
Yes obviously send whichever one is relevant to your scenario so far. Worth noting that what you are doing in a Subject access request is for a full disclosure of all information that the bank holds on you. Because the banks know why you are doing this, they are simply sending out a list of charges to you because they think that that is all you should require to make your claim.
What seems to be the case more and more is that what they actually supply is incorrect or is incomplete. A list of charges is not acceptable - you want ALL the information they hold on you and that means a list of all the transactions on your account not just charges. The easiest way they can supply that is in statement form. It is also the best way to ensure they don't miss any charges off. A friend of mine had a list of charges he pulled from internet banking and the list he was sent by Lloyds was £1,000 short! Bear this in mind!
you want ALL the information they hold on you and that means a list of all the transactions on your account not just charges
It is worth stressing this in your response IMO.
If my post has been useful, tip my scales and let me know
Re: mint - charges info recieved but not in a statement form
Well yesterday my statements finally arrived, along with 1 sheet of manual interventions - though it appears to log when I logged into the online site for mint - it only goes back around 9 months so part of me thinks this is incomplete! - would I need this manual intervention data if (or when) I need to take the charges claim to the court level?
Re: mint - charges info recieved but not in a statement form
Finally managed to sit down and fire up excell. The total in charges is a nice round £500.
I decided to go down the contractual route but will settle for full charges if they offer them before any mcol/court action stages.
Using different spreadsheets has produced slightly different results:
using the " 15 Throughout claim with contractual interest" from Vampipress's Chamger gives me a interest on penalties of £107.39, bank interest on penalties of £46.58 and interest on interest on bank penalties of £7.30
Is there a "better" spreadsheet to use?? at the moment I think I am going with the CAG one as even though its lower CAG has been the claiming back bank charges brand to trust!
i'll keep you posted when I fire off the letters and what repsonse I get - seams mint claims are lacking recently
mint - charges info recieved but not in a statement form
enough to start the process of letters or do I have to go back and ask them for the exact dates of the charges?
Reply With Quote
