Hey i'm a newbie and am planning to try and get my charges refunded. However, i would like to know what i am letting myself in for..

Is Mint card hard to crack?

Do they pay up?

Do they go to court?

How fast do they respond?

Any help greatly appreciated.

Thanks

Natasha

Hi robert h, all answers will be in the faqs and other peeps posts please take time to read over as much as you can first, it will become clearer this way, basically if your prepaired to put the hours in then you will not be dissapointed.

Thanks for the help

Court wrote saying the case will be put on hold until OFT case has concluded. Mint has written and made an offer short by about 30%.

Can I ask the judge to proceed before OFT test case concludes or would I have to wait?

You'd have to have a valid reason for a stay not to be applied on the claim.

In this instance I would suggest that a stay should not be applied to the claim, as the current OFT case relates purely to overdraft charges on bank accounts. There is already an OFT report in place relating to credit cards which was published in April 2006 with which Mint(RBS) have complied.

The issue here is whether the penalty charges made against customers truely reflect their costs, or whether they are profiteering from said charges which is against contract law.

If the draft order was adopted for this claim it would bring all matters to a fore. By means of a full breakdown of the defendants costs it would be possible to assertain whether the charges are fair & reasonable, or if the defendant is levying a highly inflated figure to customers which don't match its costs.

It is industry standrd for events such as as late payment charges and over the limit charges to be entirely automated thus costing the defendant a matter of pence as part of an overall IT billing system, as such it is your own opinion that the defendants charges are pure profiterring.

So I should use the skeleton letter to argue this with the Judge and use the reject offer letter for their solicitor

Its the same arguement which I used in my claim against Citi to prevent a stay being put on it.... and it worked.... so worth a go with RBS.

And obviously that means the rejection letter going to RBS.

Though as with all these matters its your decision as to what move to make.

Well I think they deserve to pay back the money they took

Cheers, will keep you posted

I asked before and someone e-mailed me a spreadsheet listing all the wasted costs they applied for, any chance someone could do the same thing?

Cheers

Been through the full process including appearing at court against Citi (and winning) so if you need any help let me know.

wow actually went to court? So if it comes to it you wouldn't mind giving me some tips?

Brilliant, just what I was looking for.

Perhaps a mod could attach it to the library?

Yep, its a very, very rare occasion that happens, but Citi seem to have a different approach to all the other films.

At the end of the day if you can cast doubt onto the stance the bank is taking, i.e. they are charging customers £12, £18, £20 etc for default of contract that can help you get the draft order adopted which orders a full breakdown of their charges.

From the point of view of RBS, charges such as "late payment" and "over the limit" fees are entirely automated, thus costing the bank a matter of pence and not what they levy against customers. An indication of this will be their non-compliance with the SAR if you sent one, the template here requests manual intervention information which they are guaranteed not to have sent. This would show if any human action was taken at the time your penalty charges were applied.

It is mentioned that you should list the

Bank / claim / amount

However on the list of court winnings it doesn't say the claim number just who Vs who, is this good enough?

Have you unticked the Claim Number in 'What Columns You Want to Include'

See here:

http://www.consumeractiongroup.co.uk/index.php?option=com_content&task=view&id=138&Itemid=82

Excellent, cheers

Settlement Offered/

Cheers