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Dani v Mint

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I am sending mine tomorrow, did you hear anything back?

Story so far...


BOS - Student account - preliminary request letter sent


Cahoot - Current account - list of charges totalling £420 recieved

Cahoot - Credit card - list of charges totalling £200


Mint - Request for list of charges made by telephone and letter.

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Ok today i have received this letter:




Thank you for your recent letter concerning the late fees charged on your NATWEST Visa account (its Mint, not Natwest!). I am sorry to learn of the concern you have been caused.


Whilst strongly disagreeing with the OFT's legal position on credit card default charges, the Royal Bank of Scotland Group has lowered its late payment and over limit fees for credit cards to £12 with effect from 28 June 2006.


The royal Bank of Scotland Group has alwatys been committed to ensuring that its customers understand its charges and our fee levels which applied previously were clearly and consistently communicated to our customers at that time as part of our published tariff of charges.


It is not our policy to refund late payment/over limit fees that were charged previously at a higher level at the time the fee was incurred.


Having said this, I will agree to refund the difference between the two tariffs. This amount totals £88. I have therefore applied a credit to your account today.


If after 3 October you remain dissatisfied then you can ask the Financial Ombundsman Service to look at your case.


Miss XXXX I trust I have clarified our position and I thank you for taking the time and trouble in writing to Natwest (its Mint, not Natwest!!)

Yours sincerely



Now, I'm guessing I send a letter back to them saying this is not acceptable and I will be pursuing the remainder of the money? Is this a standard reply??

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I've checked my account today, and they have put the money straight onto my card as well.


I am planning on sending the letter below:


Dear useless bankers

Thank you for your letter dated 8 August 2006. I must point out that it is in fact a Mint Card, and not a Natwest Visa as you have stated in the letter.

I accept the £88 as a preliminary payment and will be pursuing the remaining amount of money as stated in my letter dated XX August 2006. This is the sum of XXX.

I must remind you that the 14 day deadline expires on XX August, after which I will be filing my claim with the courts.

I look forward to hearing from you.

Yours sincerely




Does this seem ok??

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Seems okay.


I've not been on the forum for a while, not exactly a newbie myself, so far claimed nearly £5k back, just going to tackle the last £3k, some of which is owed by Mint (only £10), the trouble I have is that the registered office is in Edinburgh, I know RBS own MINT, I managed to launch a successful claim against Natwest (also an RBS company), but they had registered offices in London, I'd love to know where people are successfully addressing their MCOL against Mint to.


Thanks, and good luck!

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