Wednesday vs Mint

[livelylad]

Address amended thank you.

 

What I said regarding the POC for MCOL was that they are lacking in detail, and therefore you could be asked to submit further information. MCOL has worked for many claims however the N1 is a more comprehensive document.

[wednesday1867]

Thanks for the info, i want to add another paragraph, so i have to fill the N1.

 

Have used the Poc's tho

 

Feel a bit daft claiming tho, total claiming including all interest and court costs is £190 :o

[livelylad]

Its your money, dont feel daft feel powerful!!!

[wednesday1867]

Will do

 

Just out of interest, did Chris or anyone else, when you went thro MCOL, do they refund off your balance, or refund you by cheque?

 

Thanks

[livelylad]

They refund the cash to your account.

[Chris__]

I closed my MINT account a couple of years ago so the only option for RBS in my case was to send a cheque. I am not sure whether they would give you the option if you still have an account with them.

[wednesday1867]

I got the papers back from court, Note of Issue dated 13th August, do Mint have 14 days, til 27th to put their defence in? Or is it til 27th to acknowledge, then til 10 th Sept to put their defence in?

[hedgey06]

From the date your claim was deemed served on them, they have 14 days (till 27th) to acknowledge your claim and 28 days (10th Sept) to submit their defence.

[Chris__]

In my my case they responded straight away by saying that they would defend the case which was a bit worrying. This I now believe is standard practice as it gives them more time to look at each case. About a week or so later I then got an offer of a full refund saying that it was not economically viable to do anything else.

[wednesday1867]

Got the Notice of Acknowledgement, dated 16th August.

 

So they have 28 days for a defence, but hopefully i get the same as Chris

[thorx]

What POC did you end up using by the way?

 

In light of the automatic stays my strategy fell apart and the POC I have prepared is way too light for an N1. I would have liked to use the solicitor prepared POC for RBS but it targeted strictly to current accounts...

 

Thanks

[wednesday1867]

The stays dont apply to credit card claims, ill post the pocs over the weekend

[serelon]

Hi I am also pursuing Mint for charges to my account. Last week 23/08/07 I was awarded judgement against them by default. They did the standard thing - acknowledged the claim and requested time to defend it.

 

However, as yet I have recieved no payment from them and am unsure how to proceed? Does anyone have any idea?

 

I should note that during the time of my letters to them and the court claim, I was served a default notice on my account and the account is now closed - so Im assuming they have to send me a cheque, if they just remove the amount awarded me from my credit card bill am I entitled to reject this, and ask for a cheque?

 

Any help appreciated. Thanks

[Chris__]

Hi

 

If you have had a judgement in your favour by default then I would have thought that the best thing would be to get on the phone to them (try their litigation department at 1 Princes Street, London on 0207 714 4449) as they have to pay you now and I am sure that they will not want a judgement registered against them. The person that I spoke to there was very helpful.

 

In my case, my account was already paid off in full and closed before I began my claim so they sent me a cheque as I did not owe them any money. If you still owe them anything then I would have thought that they would put towards what you owe and credit your account.

[Chris__]

Any news, might take your mind off the footie ;-) ??