Jump to content

MINT stalling for time - any suggestions?

Recommended Posts

I sent my LBA special delivery which had a guaranteed delivery date of the 23rd November. I receieved a letter yesterday dated the 27th November saying that they would get back to me within the next two weeks which takes them 4 days over their deadline. They are obviously stalling for time! what I want to know is, is their a letter template I can send them reminding them that I require a responce within my original 14 day timescale or do I just wait until their time expires and begin my claim in court?


Any help would be appreciated as always.:-)

Share this post

Link to post
Share on other sites

if they do not respond within the timescale you have set which allows them adequate time then you should go ahead and issue a claim via the court system. do not let them stall you in the process. good luck and dont worry. they play this like a game just make your next move.

Share this post

Link to post
Share on other sites

Mint have just settled my claim for full amount - LBA sent 21st November after they initaillay rebutted my claim. Their letter with cheque dated 29th November and received today. See my thread for full details - Tony v RBS Advanta. Hope you get similar result soon!


Share this post

Link to post
Share on other sites

They came back to me yesterday but they have offered my only a part settlement. The reason they give for this is that they reduced their charges to £12 from £20 in line with the OFT's recomendtion. So they have only refunded the charges previous to the change.


Did they try this with you and if so what did you do?

Share this post

Link to post
Share on other sites

No, they said "Although we have reduced our charges, (ie to the £12.00 suggested by the OFT), it is not our policy to refund late payment or over limit fees charged at the higher level (ie at their previous fee levels), however in order to bring this matter to resolution, I have refunded the charges stated in your letter ... for which I enclose a cheque."


So basically, they don't accept they were in the wrong, and say that they wont refund full amounts as matter of policy but then they paid me anyway.

Share this post

Link to post
Share on other sites

Sounds like they are trying their luck with me then. I think I'll have a scout around and see if they have tried this with anyone else and if their is a template letter available to respond.


Cheers for the info

Share this post

Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 19 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...