Thank God!1 I found this website, I am getting more concious of the Banks tricks here in this country.

I've just received my last Mint cart Statement which i have not missed to pay any month. My last transaction was in March...Well I have reached my limit just in interest and payment protection, even when I paid them £100 by transfer and £80 was taken by DD. Now they pretend to charge me £20 for going over the limit by £62. So I phoned them straight away and I have been talking with one of their associates who told me that I will be charged the next month to another £20 because if I pay the minimum it won't cover the cost. I told her that those charges were illegal charge as it's more than £12 which is the maximum they can charged, she put me in mute when I requested the charged to be refunded, and again to let me know that I am not in the right to dispute this charges. I have just finish to do the letter to Mint.

I do believe this poor girl was totally new and was with a supervisor listening the call, as I have been working in the sector...But I keep the name, just in case.

Let's have a Fiesta!!

By the way, if I requested the charges back, do you think they will make me pay the account in full/ Because I don't have the money at the moment...

sorry to say this, but is this in the correct section? I mean there are many sections for each individual bank. This makes it easier for people to help you as those who are reading your posts are more likely to know exactly what you are going through.

Good luck with your claim.

The Mint Card belongs to the Royal Bank of Scotland, I re-checked in my Statement, that's why I put it here as there is not a section yet for Mint Card.

ok, i was not sure. I thought i'd check because i was given a telling off for posting in the wrong section.

Complaints Dept.

MINT

Customer Service Centre

PO BOX 5747

Southend-on-Sea

SS1 9AJ

Dear Sir/Madam:

ACCOUNT NUMBER: xxxxxx

I now understand that the regime of ‘fees’, which you have been applying to my account in relation to exceeding overdraft limits and so forth, are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract, which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner, which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have taken £20 and further £20, will be asked if I only make the minimum payment next month, plus the overdraft interest, as advised by “xxxxxxx” in your Customer Services Dept. I have not used the credit card since last March and I have been paying rigorously every month by DD the minimum amount without miss any payment. I even paid to you more that what it was required on my last statement.

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest and my costs and without further notice.

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit license under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

Here is the letter I'm about to send to Mint Card, I got the template from the Library, but I have changed to remind them I have been a good customer...

Let me know your opinion, before I put it in the post.

letter sent

Not answer yet. Anyone dealing with Mint?

Hi

Sending off a DPA to RBS Mint tomorrow, Will let you know what reply i get (if any)

Good luck

14 Days gone and not answer, send them today a nearly all the money owe to them by bank transfer. I'll send next letter sortly...

Letter received on the 2nd of June, one day later of my first deadline. No really happy bunny...

Dear XXXXX,

Thenk you for your letter of the 15 May 2006.

We consider that our charges are fair, reasonable and compliant with all applicable laws and regulations. We are also committed to ensuring the trasnparency of the information that we give to our customers about the operation to our products.

We have however, considered the detailes statement, made on the 5th April, by the Office of Fair Trading on credit card administration charges and have responded to them. We are currently awaiting the outcome.

It follows that we do not agree with the assertions made in your letter.

Yours Sincerely,

Nicky Baker

Senior Concerns Officer

Customer Care Team

So I know it's been only £20, and now I have paid off nearly all the amount I owe them, apart from £6...Should I go to the next step...

So I know it's been only £20, and now I have paid off nearly all the amount I owe them, apart from £6...Should I go to the next step...

It's your money - go for it!

sorry this is late, but I've been quite busy. After no joy with my prelim letter, and get the standard, sorry, but our charges are fair, etc, and paying what I thought all the balance, they still charged me another £20 for going over my limit, they got clearly a rule to put the money you pay them as late as they want...anyway I sent them the last week a LBA and claiming around £60 in late payment and excess limit charges.

anyone has been lucky with Mint? Have they settled the dispute before court?

Nothing from Mint, so I'll going to have to go to the Money Claim part.

They seem to drag things out to the very end. It would appear that I'm at about the same stage as you. I'll keep you posted as to any progress.

i'm sending my mint and tesco lba letters tomorrow, will be following you as you seem to be about 2 weeks ahead of me.

I was about to do the MoneyClaim form when I received a letter from Mint saying more or less that although they don't agreed that their charges are desproportionate and have reduced them accordingly with the OFT recommendation, but as a gesture of goodwill they will refund back into my account the £60 they own me. Also they say something about the fact that from now on they expect I keep under the T&C's, bla, bla, bla... Which I did in first place anyway and they were the ones in breaking it, as they take far to long to put the money you pay in into your card. Anyway now they are the ones that own me money and I'm on credit hehe....Good luck to future moneyclaimers...

Here starts the battle with Mint. I'm about to sent the S.A.R., but I am confused about the cheque. Is it for £1 or £10?

Anyone that can clarify this?

Thanks,

Julia

Hello!

I'm doing MINT as well, it's £10 for the SAR, I'm new to this but that's one of the few things I do know. Are you just going after MINT for PPI - I'll be going for PPI and late payment fees. I sent my SAR today so we can compare notes over getting a response.

Good luck!

Good luck to both of you:D

Mainly for PPI but I'll see what they return to me. I remember I requested the Mint Card online. I have tried a few times cancel the PPI and this has not happen, including by letter.

I have started my fight with GE Money for two store cards. I need to sent a S.A.R to Barclays, HSBC and Smile.

I'll let you know how this thing goes.

And Good luck to you too.

Hi there,

I have just received a letter from RBS/Mint regarding my claim about PPI staying that the complaint was dealt and closed in 2010, returning all my paperwork and saying if I was needing anything else to contact a PPI dept in Manchester.

I'm quite annoyed about this. I filled originally last year, one of those FSA questionnairs to complaint about miss-sold PPI. They came back with a long letter after of being waiting for weeks to fob me off saying I was not entitled to a refund, and pretty much saying that I signed for it. Also it mentions something about 6 months from that letter to complaint to the FSA directly if I was not happy. As I have been very busy and the FSA case was still in court, I thought to wait to see what happens. When the banks give up on the case for PPI, I filled again an FSA form, explaining that I was not happy with the 1st resolution and that I still believe I was miss-sold the PPI, as I didn't know it was part of the credit card agreement, I requested in 2 occasions by phone and by letter to be canceled when I knew about the policy and still RBS/Mint didn't action my wishes and I'm basically annoyed with all this.

Should I write to them again explaining that I was not happy with the original answer and that I am still trying to get my money back, or should I just write to the FSA directly. The account was opened in 2004 and it is about £700 worth of PPI on it.

Hi

How about letter before action and then take them to court?

If there letter was their final decision then you had 6 months to take them to fos. (not the FSA)

ims

the problem is that, it has passed already those 6 months, but I thought to complaint again to see if after the PPI court case, they will considered again my complaint without having to go to court or the FOS.

Can I still complaint to the FOS, will they look into my claim even though those 6 months has passed?

the problem is that, it has passed already those 6 months, but I thought to complaint again to see if after the PPI court case, they will considered again my complaint without having to go to court or the FOS.

 

Can I still complaint to the FOS, will they look into my claim even though those 6 months has passed?

Well, you could try on the basis that you were waiting for the decision.

I doubt very much whether they will pay up without a fight though so I would expect that you would have to "get tough" with them. If you are able to go to fos (no guarantee) it will be a slow process as they are inundated with claims. You might be better to take it to court as it would be a lot quicker for you to get a result.

ims

Sorry I have been quite busy so I didn't have time to give an update for this. As you could expect RBS is not playing ball, so I sent a letter complaining for the FOS. I have got a confirmation from them, that they are looking into this and see what happens. I hope that goes my way, as there is not much left on that account to clear and if they finally give me my money back, plus interest I could pay off other of my debtors and clear my debts earlier. I'll updated when I know something else.