After reading this thread for a while I thought Id better post.

Started my claim against Mint for £518

Sent prelim on 28/2/07, received letter back on 23/3/07 asking for a further 10 days.

27/03/07 received letter offering part payment of £214.12

13/04/07 I sent a letter back rejecting the part payment and again asking for my money back

18/4/07 another letter received offing me £214.12 as full and final settlement. They have said if I still remain dissatisfied I should contact Financial ombusman.

Now as this is my first claim I am very nervous about going further. Do I contact the Financial Ombusman or do I carry on without doing that? Do I now send another rejection letter that is also a Letter Before Action, can't find a template for that. Or do I settle.

I have read through hundreds of these threads and it still isn't easing my nerves. Can anyone point me in the right direction.

Hi,

You need to send them a letter back combining the rejection & LBA letters (there isn't a template, I just merged the 2 letters as appropriate). Give them a further 14 days & then issue a court claim.

Take a look at my thread it might help you.

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/67514-villafans-hubby-mint.html

In hindsight I entered into too much correspondence with them! It's important to stick to the timescales given on this site. They did if fact offer the full amount back to me BUT I received their letter after I'd issued the MCOL so there was issue of court fee & interest. They acknowledged the claim with intention to defend but paid up in full + interest + court fee before the 28 days expired for them to file a defence.

Hope this helps & keep asking if you are unsure. Good luck!

Villafan

Thanks Villafan,

I had read your post, not that many on here for Mint. I feel like I am tooing and frowing with letters too. I will do as you say and merge the letters. Im feeling a bit better about the court too, not enough knowledge and a scary process for the first time but Ive got nothing to loose, only the court fees if they do defend and win.

You won't lose! Your claim is £1 less than mine, & their settlement letter said that although they didn't agree with my argument it wasn't cost effective for them to defend the claim through the court!!!

If it makes you feel any better I was petrified and almost lost my nerve mainly for the same reason you've said....there aren't many Mint threads on here & I was convinced I'd be the one they made an example of.

There was another case settled at the weekend as well as mine so battle on! Please ask if you need any help along the way & I'll try my best. T4FF is very supportive too!

Villafan

P.S. I've just had my court date for Abbey & that's even scarier!!!!

Well I sent my LBA and the 2 weeks is up on Monday 14th May but today I received a very brief letter saying the letter they sent me on the 18th of April was the banks full and final response. So it looks like I am going to have to start the court claim on Monday. As its my first one Im very scared but I am really angry now about the way they treat us customers. I have paid off the account a few months ago so Ive got nothing to loose.

It is scary but don't worry....the sooner you start your claim the sooner you'll get your money back! Once you've got 1 claim under your belt it's not nearly so scary with the next one!

Stay positive & if you need any help (to ease the nerves) or reassurance

please just ask....I'm following your thread! Good luck.

Villafan