Hi everyone,

Have today received a Default Notice from Mint after 3 months arrears!

I will try and scan it later on but it states-

'The payment must be credited to your account by no later than 17 days after the date of this Notice shown above'.

It is dated 18 February 2010 but I did not receive it until today the 24th February 2010.

It was posted in an envelope with a large black S in the top right hand corner.I'm sure I've read that this is 2nd class postage.

Am I right in assuming they haven't allowed enough time for service?

Anyone with similar DN'S? All advice welcomed!

you'll need to post it up, minus your details.

If it is put as you say then it may be invalid...

It must have a remedy date, not the "17 days after the date above."

time is dependable on class....14 days after 1st/2nd class post

poss 1 day out don't tell them this!

let them terminate. unless you want to remedy it.

you need to decide what you want to do.

have a read on default notices

do a search.

hope this helps

series3

Hi Series3,

Thankyou for coming back to me!

I'm having problems with my scanner but will post it up asap!

Sharmar

take a look at mine it's on here, I can't seem to link it for you..

sounds like yours is on the same lines.

Here is the Default Notice which I received on Wednesday 24th February!

All opinions appreciated!

Did you keep the envelope?

Yes,kept the envelope!

Can you elaborate on the incorrect format?

depends on first or second class.

first class id deemed 2 days for postage

second class is 4 days.

18 feb was thursday +2 (first class)=remedy by 27th feb

+4 (second class)= remedy by 1st mar

they may say first class..otherwise deemed second

see "tale of a dodgy DN-further disc" mine is posted there post 2095

sorry , Not sure how to link.

I am in a similar position, i have had a Mint card for in excess of 10 years, I have never missed a payment in that time.

I was laid off some 6 weeks ago, knowing that i was going to struggle for the next month or so, I informed Mint of the situation and offered a small payment on account until such time as I was working again. The asked me to send back a statement of income/expenditure which I did, the next thing I know in the same post, I received a letter saying that before my offer of payment is considered a default notice will be issued, followed by a letter of termination 21 days later and the default notice, withdrawing the credit facility and asking for the card to be cut up and returned. Then they give the usual guff about if you correct the default no further action will be taken.

So much for customer loyalty, bearing in mind it is a single default in 10 years.

With the default notice having been issued, is it worth me going for them and trying to have the debt wiped out, if so, how do I start off the process.

Strangely, I also have an MBNA card, the consensus on here seems to be that they are rubbish, but they were as good as gold. Interest frozen immediately, acceptance of a nominal payment, no hassle nothing.

SteveE14

With regards to MBNA being as good as gold They will willingly put you on a hardship plan - eg, accept a nominal amount - freeze interest and charges - for max 6 months. After that period -well - 5 missed minimum payments - if you can't pay off the arrears they sell the debt on and in the meantime you are building up defaults and you have another set of plebs to deal with.