Funny that I had a ltr from her as well ..today ..lol..just sent her a reply thanking her..but no thanks.. giving her another 7 days

I have just sent a letr back...acknowledging there waffle n giving them a further 7 days..in the meantime its checking addresses..hmmm

I've had my second coomunication from Mint today..they deny all resposbility..charges fair and reasonable etc..I take it u had that reply too. I will be looking to do my first court action.

Oops...silly me..obvious now..ta very much

Thanku Is the one i sent an LBA? I have read through quite a lot of threads....but will do some more research as u suggested thanku.

this one Dear Sir/Madam, CARD/ACCOUNT NUMBER: xxxxxxxxx I now understand that the regime of fees which you have been applying to my account in relation to late fees and over limit charges, 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 £XXXXX plus £XXX which you have charged me in interest for the sums which you have taken. Total £XXXXX Additionally, you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you, or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable. I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice. Yours faithfully, [name

Ta for yur reply ..i sent the one requesting payment within 14 days ..i hav sent no othrs..hmmm..hav i got this wrong?

I sent the standard ltr giving 14 days notice..that was may 19th. I have received a reply from Mint, ther 'customer concern dept' ..they will look into it..i take it that if i dont receive anything positive by this friday June 2nd i can commence legal action TIA Also sent the same ltr to Scottish Widows on the same day. No reply as yet