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Neily vs Mint


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DPA posted, ready to receive statements.

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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I'm sending my mint stuff to

 

MINT,

Customer Service Centre,

PO BOX 5747,

Southend-on-Sea,

SS1 9AJ

 

and it's getting there and back fine.

 

just had a 'go away you aren't getting any money' letter from them on saturday, but my LBA is going in the post to them tomorrow.

 

 

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Yeah I sent my DPA request to that address too.

Neil x

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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Hi, not sure how much use it will be now, but i sent my Access Request to this address:

 

MINT

Customer Service Centre

PO BOX 6050

Southend-on-Sea

SS99 1WL

I had a posative response 1 week later, and my account has been closed for 18 months. Good Luck.

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  • 2 weeks later...

Just to let you know that i sent my access request to the address that i gave you on 22nd August. I recieved all of my statements on 14 Sept. Prety good response. Proof that it works. Hope this info makes you feel better. Good Luck!

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  • 2 weeks later...

I've still heard diddly-squat from MINT since I asked them for statements at the end of August.

Ho-hum :|

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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  • 4 weeks later...

Peter's optimism was justified, and the statements duly turned up a couple of weeks back. The total was pleasing: £479 including interest. My balance on the card is less than that!

 

Prelim duly sent off on the 5th, which within a week generated a standard "We're sorry you're not satisfied" letter from the boys and girls in Southend-on-Sea. (Don't these credit card companies base themselves in some random places?!). They promised to get back to me within two weeks; not quick enough to prevent my LBA going off yesterday.

 

They've now got until the 2nd of November before they get hit with a writ.

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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  • 3 weeks later...

Hi Neily hope it goes well for you.

 

I am about to start on Mint (one of my wife's cards). She has a default on this card with money outstanding, can she still claim the charges back?

 

Hope someone can answer this one.....much appriciated

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Hi Mila

 

Sorry for the late reply, not been on for a while.

 

Thanks for your kind wishes.

 

As far as I understand it, the default does not prevent your wife from claiming. In fact, if the default was caused solely by unlawful charges, she would have a case for removal of the default through the courts. There are several threads on here which deal with that - search for "default".

 

Best of luck

 

Neily x

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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  • 2 months later...

Ages since I gave an update, so here goes:

 

18/11/06: received a letter from Mint informing me that they have refunded £424 in charges and £3.36 in interest to my account. They dispute my calculation of interest at £178.91. In fact I had claimed interest imposed by Mint of just £45.16, plus contractual interest of £133.75. They seem not to know what I mean by contractual interest.

 

They say that because of the way charges are paid off before purchases and cash, the bank interest is just £3.36. I accept this - the spreadsheet I used assumed charges would be paid off LAST. A look at the back of my MINT statement shows that they do allocate payments in the way they say. Not all cards are like this, however.

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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15/01/07: wrote to Mint after a long break, revising my claim in view of the refunds but explaining why I still wanted contractual.

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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05/02/07: received a sod-off reply from Mint. They have paid the interest, so that's it. Not sure how far to pursue this one - has anyone else put a court claim in with just contractual interest left, after charges and bank interest have been refunded? Have you won?? I'm minded to back-burner this one until I've fried the bigger fish (Halifax etc).

NEIL'S CLAIMS... Halifax - N1 being submitted 26/2 (£3055) Barclays - offered £540 - N1 due now (£1686) MBNA - SETTLED FOR £1,412.86 Barclaycard #1 - microfiche - complaint to Info Comm'r upheld, info now in - claim to be merged wth B'card #2 in LBA, due now (£800-ish) Halifax Visa - SETTLED FOR £1,067.43 Mint - refunded £427, pursuing remaining £179 contractual Marbles - SETTLED FOR £346

Mum vs Barclays - SETTLED FOR £1,200

Mum vs Abbey - court date 23/2 - SETTLED FOR £1,720.76 at last minute

Mum vs HSBC - SETTLED FOR £1,733

5% donation to site when our refunds are received... Read the FAQs First!

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