Got a problem with MINT credit card (RBS).
I have had the card for about 7 or 8 years now.
When I first applied for it on the internet and was approved,
I never used it very much.
My husband also had a card as a second card holder.
He ran into serious credit card debt problems and in a desperate attempt before finally going under, he transferred just under £6000.- onto this MINT card as a balance transfer.
He then went bankrupt and had his debts basically written off.
I am however now landed with £6000 on this MINT card for which I am liable I have been told.
I came to an agreement with MINT to repay the amount at £26.- per month until the balance is repaid.
They stopped interest and charges and refunded all charges they ever levied.
This agreement has been in place since 2006 and I have got the written agreement from them in letter form to confirm the £26 per month until the amount is repaid.
Currently the oustanding balance is £5216.03
Now two months ago they sent me a letter to say the 'temporary agreement' on my account was due to be reviewed and my new monthly payment was £144.-
I sent them a letter back explaining that the agreement was never temporary but permanent and sent them a copy of their own letter dated 2006.
I sent that recorded and they received it.
I heard nothing in reply.
Today I got a new bill showing my minimum payment as £2379.- per month and the footnote that I had failed to make a minimum payment.
I have maintained my £26 / month religiously since 2006, I assume they are referring to the £144.- they imposed last month
I have written them another letter back explaining the situation, but is there anything else I can do ?