Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    jonat Novitiate



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    Question MINT stalling for time - any suggestions?

    I sent my lbaicon special delivery which had a guaranteed delivery date of the 23rd November. I receieved a letter yesterday dated the 27th November saying that they would get back to me within the next two weeks which takes them 4 days over their deadline. They are obviously stalling for time! what I want to know is, is their a letter template I can send them reminding them that I require a responce within my original 14 day timescale or do I just wait until their time expires and begin my claim in court?

    Any help would be appreciated as always.

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  2. #2
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    smoorach Informative smoorach Informative smoorach Informative



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    Default Re: MINT stalling for time - any suggestions?

    if they do not respond within the timescale you have set which allows them adequate time then you should go ahead and issue a claim via the court system. do not let them stall you in the process. good luck and dont worry. they play this like a game just make your next move.

    bos~ Data Protection Act sent
    ~ statements received
    ~ owed 1766.82
    ~ prelim letter sent 30/08/2006
    ~lba handed in 14/09/2006
    bos Data Protection Act sent
    ~ statements received
    ~ owed 1217.86
    ~ prelim letter sent 30/08/2006
    ~lba handed in 14/09/2006
    court date issued of the 17th november
    27th oct full offer totalling everything including 8% interest court costs and 10 dpa sar..... one down next to go.

    rbs~ Data Protection Act sent off 21/09/2006
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  3. #3
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    impact Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Oct 2006
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    Default Re: MINT stalling for time - any suggestions?

    Mint have just settled my claim for full amount - lbaicon sent 21st November after they initaillay rebutted my claim. Their letter with cheque dated 29th November and received today. See my thread for full details - Tony v RBSicon Advanta. Hope you get similar result soon!



  4. #4
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    jonat Novitiate



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    Default Re: MINT stalling for time - any suggestions?

    They came back to me yesterday but they have offered my only a part settlement. The reason they give for this is that they reduced their charges to 12 from 20 in line with the OFT's recomendtion. So they have only refunded the charges previous to the change.

    Did they try this with you and if so what did you do?


  5. #5
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    impact Novitiate



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    Default Re: MINT stalling for time - any suggestions?

    No, they said "Although we have reduced our charges, (ie to the 12.00 suggested by the OFT), it is not our policy to refund late payment or over limit fees charged at the higher level (ie at their previous fee levels), however in order to bring this matter to resolution, I have refunded the charges stated in your letter ... for which I enclose a cheque."

    So basically, they don't accept they were in the wrong, and say that they wont refund full amounts as matter of policy but then they paid me anyway.


  6. #6
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    jonat Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2006
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    Default Re: MINT stalling for time - any suggestions?

    Sounds like they are trying their luck with me then. I think I'll have a scout around and see if they have tried this with anyone else and if their is a template letter available to respond.

    Cheers for the info



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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