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Opened my Mint card statment today and read that they've charged me twenty pounds for going over my limit confused by this i looked back and noticed they'd been charging my account with over limit fees on 6 statements now a total of one hundred and twenty pounds.
I rang up their customer services and explained i have a direct debit on the account and it has been taking the minimum ammount of ninteen pounds then adding on after that the intrest and fees. The total new transactions was twenty four pounds! minimum payment was 19 so I wouldnt stand a chance of paying it throught direct debits.
The girl on the phone said that over limit fees were not covered my the direct debits and I would have to pay 50 pound straight away then the 19 from my direct debit.
I asked what was the point in direct debits of they were not taking the ammount required to keep my card within its agreed limits. She agreed with me but said there was nothing they could do about it.
So guys what shall i do? jump straight to the point where i'm asking for my charges back within 14days before i take them to court? Or do i need to go throught the whole process again?
Any help, Ideas or info please before i loose my rag :-|
Do you already have a claim in progress aginst them?
If so what stage is it at?
IF you havent yet filled in the moneyclaim form I would write them a letter telling them you are adding these charges on to your claim. If you have already starterd legal proceedings I think you will have to start overwith these charges.
Natalie
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18/06/09
URGHHH Mint Card Sneekyness help
on the account and it has been taking the minimum ammount of ninteen pounds then adding on after that the intrest and fees. The total new transactions was twenty four pounds! minimum payment was 19 so I wouldnt stand a chance of paying it throught direct debits.
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