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neilvw

Neily vs Mint

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Hi Neily, where did you send your data request letter to? There doesn't seem to be much information on Mint credit cards on the forum especially in terms of contact details etc. Hope you can help!

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I'm sending my mint stuff to

 

MINT,

Customer Service Centre,

PO BOX 5747,

Southend-on-Sea,

SS1 9AJ

 

and it's getting there and back fine.

 

just had a 'go away you aren't getting any money' letter from them on saturday, but my LBA is going in the post to them tomorrow.

 

 

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Hi, not sure how much use it will be now, but i sent my Access Request to this address:

 

MINT

Customer Service Centre

PO BOX 6050

Southend-on-Sea

SS99 1WL

I had a posative response 1 week later, and my account has been closed for 18 months. Good Luck.

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Just to let you know that i sent my access request to the address that i gave you on 22nd August. I recieved all of my statements on 14 Sept. Prety good response. Proof that it works. Hope this info makes you feel better. Good Luck!

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I've still heard diddly-squat from MINT since I asked them for statements at the end of August.

Ho-hum :|

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Peter's optimism was justified, and the statements duly turned up a couple of weeks back. The total was pleasing: £479 including interest. My balance on the card is less than that!

 

Prelim duly sent off on the 5th, which within a week generated a standard "We're sorry you're not satisfied" letter from the boys and girls in Southend-on-Sea. (Don't these credit card companies base themselves in some random places?!). They promised to get back to me within two weeks; not quick enough to prevent my LBA going off yesterday.

 

They've now got until the 2nd of November before they get hit with a writ.

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Hi Neily hope it goes well for you.

 

I am about to start on Mint (one of my wife's cards). She has a default on this card with money outstanding, can she still claim the charges back?

 

Hope someone can answer this one.....much appriciated

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Hi Mila

 

Sorry for the late reply, not been on for a while.

 

Thanks for your kind wishes.

 

As far as I understand it, the default does not prevent your wife from claiming. In fact, if the default was caused solely by unlawful charges, she would have a case for removal of the default through the courts. There are several threads on here which deal with that - search for "default".

 

Best of luck

 

Neily x

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Ages since I gave an update, so here goes:

 

18/11/06: received a letter from Mint informing me that they have refunded £424 in charges and £3.36 in interest to my account. They dispute my calculation of interest at £178.91. In fact I had claimed interest imposed by Mint of just £45.16, plus contractual interest of £133.75. They seem not to know what I mean by contractual interest.

 

They say that because of the way charges are paid off before purchases and cash, the bank interest is just £3.36. I accept this - the spreadsheet I used assumed charges would be paid off LAST. A look at the back of my MINT statement shows that they do allocate payments in the way they say. Not all cards are like this, however.

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15/01/07: wrote to Mint after a long break, revising my claim in view of the refunds but explaining why I still wanted contractual.

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05/02/07: received a sod-off reply from Mint. They have paid the interest, so that's it. Not sure how far to pursue this one - has anyone else put a court claim in with just contractual interest left, after charges and bank interest have been refunded? Have you won?? I'm minded to back-burner this one until I've fried the bigger fish ( Halifax etc).

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