Mint Card Query

[maroondevo52]

Thanks again, I'm glad you got your claim sorted, I'm waiting on them getting back to me regarding my PPI claim but there was also £385.00 of charges I didn't mention I'm just hoping they give me them back also.

[Andybars]

Under the FCA redress guidance the lender should automatically include any overlimit fees that were a result of the PPI as part of the calculation (i.e if you were overlimit by less than the amount of the PPI included in the balance these fees should be refunded). Some lenders are better than others at doing this without asking - RBS tend to be among the better ones on this particular issue.

[gerrylep]

just an update got a text a few weeks ago saying payment should be with my 10/9, and it still hasn't arrived. Is this normal or should I be chasing them up? Thanks

[Andybars]

It is not uncommon for the payments to be later than promised but I would definitely give them a chase to find out what's going on.

[gerrylep]

It is not uncommon for the payments to be later than promised but I would definitely give them a chase to find out what's going on.

With that in mind, does anyone have a phone number? OR postal address. Original complaint was with MINT, but all correspondence has been with RBS group. thx

[maroondevo52]

With that in mind, does anyone have a phone number? OR postal address. Original complaint was with MINT, but all correspondence has been with RBS group. thx

 

Hi,

 

This is the PPI Customer Complaints Team Number...0800 015 0319 ( 8am-5pm / Mon - Fri )

 

Address.

 

RBS Group

PPI Customer Complaints Team

Retail Products

5th Floor

1 Hardman Boulevard

Manchester

M3 3AQ

[Andybars]

RBS PPI phone number is 0800 015 0319 - they will be able to look into it for you

[gerrylep]

Hi,

 

This is the PPI Customer Complaints Team Number...0800 015 0319 ( 8am-5pm / Mon - Fri )

 

Address.

 

RBS Group

PPI Customer Complaints Team

Retail Products

5th Floor

1 Hardman Boulevard

Manchester

M3 3AQ

thanks appreciate the info.

[gerlep]

turns out there was an outstanding balance on this credit card, which I didn't know about, i had the card over 8 years ago, so sounds about right. Just checking that RBS have done everything legally here by paying the refund directly to the credit card? Thanks

[ims21]

turns out there was an outstanding balance on this credit card, which I didn't know about, i had the card over 8 years ago, so sounds about right. Just checking that RBS have done everything legally here by paying the refund directly to the credit card? Thanks

 

Yes they can use their right of set-off to reduce the liability on the account.

[suvin50]

Doesn't the right of set-off have to be in the T&Cs?

[ims21]

Doesn't the right of set-off have to be in the T&Cs?

 

While it may be mentioned in some cases it doesn't have to be, no.

[Andybars]

In terms of "set off" - this payment is going to the same account that the arrears balance is on so the lender is entitled to do this automatically

 

 

If on the other hand RBS were to pay the redress to another account with the bank (for example a loan with an arrears balance), my understanding is that this would need to be shown in the T&C's (and usually, but not always, is)