Hi, Just a quick query. I requested a CCA from MINT. I finally received it after waiting over month (well outside the 12 working days). They have sent me a copy of my last statement and a copy of the credit agreement which was in place when I opened the account. Should they have sent me a copy of my application also, or would this be included in the SAR. Reason I ask is that the credit agreement discusses travel insurance and PPI, however I do not know if I had these. I was also charged stamp duty last month; can anyone advise what this is for? Sorry for all of the questions!

SAR them

PPI would show on the monthly statements if you were paying it.

Stamp Duty? No idea

ims

I'm confused about this too! U sent a SAR request a couple of weeks ago so I'll see wht it turns up! I entered a payment plan with themso I'm guessing if I had anything it would have been removed. I've less than £100 outstanding so am hoping any charges and/or ppi will close this!

So I received my "non" sar from mint today. They have returned my cheque and provided a list if charges which gave been applied over the last 6 years. Data missing is 2004-2006 plus all other documentation they have in me! My question is regrading next steps. Do I just claim for the charges 2007 to date or pursue for other data? It's unlikely there are many charfes 2004-2006 ; could I guesstimate these based on average from 2007 to present day?

Re submit the SAR with the failed SAR letter from the CAG library.

Tell them that you are enclosing both letters because they are in clear breach of the DPA by not giving you your data as requested in the original request and that their 40 days is still ticking. If the 40 days are up give them 14 to comply or you will report to the ICO and consider legal action to force compliance.

ims

Thanks Ims. They have basically supplied the list of charges from April 2006 until today FOC. I am missing 2004-2006, I have a feeling this is because they are going by the 6-year rule. I don't think that I had PPI on this card (have a few random statements and cant see it). Should I return my original cheque back to them also? I was also wondering if it was worthwhile giving them a call. The account should be closed this month (woo hoo!!! one debt paid off!), so they may possibly still deal with me whilst its still active. I put the charges I do have into your spreadsheet and used the compounded interest rate of 24.9% (is this correct), in total the spreadsheet says I could be due circa £793! The credit limit on the card was only £500

ahhhh, I have had a look at the letter I sent to MINT and I have made a mjor error I have not sent a SAR request at all, I only rewuested charges for late payments etc for the last 6 years !!!! I am such an idiot! I have done the same for MBNA, but that was only opened in 2007 so I should be fine!!! Rats, back to the drawing board for me

Hey,

Again looking for advice. I sent off my bank charges request and have not heard anything back. I took my eye off the ball and never followed through with this. Its been a couple of months since I sent the claim for charges; should i just resubmit or send a LBA?

Thanks. If LBA, is there a template for this?

lba and updated spreadsheet to the current day and if they fail to respond then issue against them.

Only threaten court if you intend to go through with it.

Thanks. If charges are refused, is the only next step a letter before action?

Yes

fos won't be interested