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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • 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.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
Movingon

Address for Service: MINT

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Does anyone have a non-PO Box address for MINT in England at which court documents could be served please? The address I have at the moment is

 

MINT

PO Box 6050

Southend-on-Sea

SS99 1WL

 

Thanks!

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MINT is a business name of The Royal Bank of Scotland plc registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB


Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Sorry you need the England address...

 

Mint

1 Princes Street

London

EC2R 8PB


Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi Stonelaughter

 

I have a pending claim against MINT but for some strange reason I found the address of a branch of RBS and served it on that nowhere near where I live. However, i have since decided I should have used the RBS London Head Office Address at

 

135 Bishopsgate, London, United Kingdom, EC2M 3UR

 

OR the one on the statement which would be MINT, Milton Keynes, MK77 1QA

 

I would probably stick to the first one though.

 

Take care to use either RBS or MINT only on the defendant name section. I tried to use both MINT and RBS and it's done nothing but confuse the court people into thinking it might be two companies setting me back at least a month!

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Thanks guys - these fellas have more bloody addresses than is reasonable don't they? Makes them look well dodgy LOL.

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Well, I sent my LBA to the 1 Princes Street address. I got a call today from a very confused Branch Administrator at the Princes Street branch of the National Westminster bank.... ??! :confused:

 

I guess I'll try the other address now. I hope that the "feeling stupid" part will go away pretty soon. I'm just glad I wasn't doing my moneyclaim yet...

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Strange...that address was taken from another thread which the poster seemed to have used successfully.

 

Just checked on the Mint website they only have Scottish addresses and PO Box addresses listed.

 

Companies House won't list Mint as it's just a trading name and RBOS only has Scottish addresses listed. Somebody else has suggested the Bishopsgate address, but I thought this was only an address for Natwest.

 

The only other suggestion I have if nobody has an address for Mint is to ring Royal Mail on Monday morning 08457 950 950, give them the address of the PO Box which you have, and ask them for the address behind the PO Box. Serve the claim against that address.


Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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OK, the post office was no use... this particular PO Box is literally a box in a warehouse in Southend-on-Sea, and MINT collect their mail from it. There is no "address behind it".

 

They have offices at:

 

MINT

Holgate Park

York

YO26 4GA

 

and that is where I will serve my papers.

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I've had my second coomunication from Mint today..they deny all resposbility..charges fair and reasonable etc..I take it u had that reply too.

 

I will be looking to do my first court action.

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Dear averageguy,

What address are you using for Mint - they seem to have so many and obviously the Scottish address is no good. Good luck!


[SIZE=1][COLOR=Red]MBNA: [COLOR=Green]Paid[/COLOR][/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red] Co-Op: [COLOR=Green]Paid[/COLOR][/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red] Lloyds Tsb:[/COLOR][/SIZE][SIZE=1][COLOR=Blue]Data Protection Act sent 14th June Still waiting. Started again[/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red] Abbey National: [COLOR=Green]Paid[/COLOR][/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red]Barclaycard:[/COLOR][/SIZE][SIZE=1][COLOR=Blue]Prelim £1920 14th Sept MCOL 17/10/06 £2346 Court date 13th March Offered £600 and rejected. Then offered £1,600 rejected. Paid in full £2,705.02. [COLOR=Red]Capital One: [COLOR=Green]Paid[/COLOR][/COLOR] [COLOR=Red]Cahoot: [COLOR=Green]Paid[/COLOR][/COLOR] [/COLOR][COLOR=SeaGreen][COLOR=Red]Accord Mortgages: [COLOR=Blue]Prelim £9,750 LBA 6/10/06 MCOL 21/10/06 £10, 520.65 Withdrawn and waiting for better times [COLOR=Red]Mother in law Nat West: [COLOR=SeaGreen]Paid[/COLOR][/COLOR] [/COLOR][/COLOR][/COLOR][/SIZE][COLOR=SeaGreen][SIZE=1][COLOR=Red]Wife's Nat West[/COLOR] [COLOR=Blue]MCOL issued 26/03/07[/COLOR] [COLOR=Indigo]Rise, like lions after slumber In unvanquishable number! Shake your chains to earth like dew Which in sleep had fallen on you: Ye are many - they are few! (P. B. Shelley, 'The Masque of Anarchy', 1819) [/COLOR] [/SIZE] [/COLOR]

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I have just sent a letr back...acknowledging there waffle n giving them a further 7 days..in the meantime its checking addresses..hmmm

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Look about three or four posts up... *sheesh*

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OK, now I'm getting p***ed off with this. The letter was returned by "CPP" at the Holgate address. As it's directly related to MINT we cannot help blah blah blah.

 

 

HOW do I find an "Address for Service"? Do I have to 'phone them, and say "I'm submitting court documents against MINT so I need a non-PO Box Address in England?! Mods? ANYONE?

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Tom, why don't you try and send it to their payment centre?

 

Classic

MINT MasterCard Classic

Milton Keynes MK77 1AS

MINT Visa Classic

Milton Keynes MK77 1QA

Gold

MINT MasterCard Gold

Milton Keynes MK77 1RP

MINT Visa Gold

Milton Keynes MK77 1AD

Platinum

MINT MasterCard Platinum

Milton Keynes MK77 1AZ

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I just phoned them and said I'm issuing legal documents and a very friendly lady said it needs to go to Milton Keynes, MK77 1QA. Good luck!


[SIZE=1][COLOR=Red]MBNA: [COLOR=Green]Paid[/COLOR][/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red] Co-Op: [COLOR=Green]Paid[/COLOR][/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red] Lloyds Tsb:[/COLOR][/SIZE][SIZE=1][COLOR=Blue]Data Protection Act sent 14th June Still waiting. Started again[/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red] Abbey National: [COLOR=Green]Paid[/COLOR][/COLOR][/SIZE][SIZE=1] [/SIZE] [SIZE=1][COLOR=Red]Barclaycard:[/COLOR][/SIZE][SIZE=1][COLOR=Blue]Prelim £1920 14th Sept MCOL 17/10/06 £2346 Court date 13th March Offered £600 and rejected. Then offered £1,600 rejected. Paid in full £2,705.02. [COLOR=Red]Capital One: [COLOR=Green]Paid[/COLOR][/COLOR] [COLOR=Red]Cahoot: [COLOR=Green]Paid[/COLOR][/COLOR] [/COLOR][COLOR=SeaGreen][COLOR=Red]Accord Mortgages: [COLOR=Blue]Prelim £9,750 LBA 6/10/06 MCOL 21/10/06 £10, 520.65 Withdrawn and waiting for better times [COLOR=Red]Mother in law Nat West: [COLOR=SeaGreen]Paid[/COLOR][/COLOR] [/COLOR][/COLOR][/COLOR][/SIZE][COLOR=SeaGreen][SIZE=1][COLOR=Red]Wife's Nat West[/COLOR] [COLOR=Blue]MCOL issued 26/03/07[/COLOR] [COLOR=Indigo]Rise, like lions after slumber In unvanquishable number! Shake your chains to earth like dew Which in sleep had fallen on you: Ye are many - they are few! (P. B. Shelley, 'The Masque of Anarchy', 1819) [/COLOR] [/SIZE] [/COLOR]

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Yaye, I'm a clever girl!!!! :D

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Thaankyou!!!!

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