IVE MADE A Compliant to obubsman finanacial service agaginst mint. no reply yet

is it worth ringing this james ball for refund after 50% offer .>>>>>>>

how do i tag messages ....do u mean link threads

ok received letter on 24may saying "sorry you are unhappy with the cahrges you have incurred but will contact you with in 4 weeks .your comments are receviing attention ..yeh yeh .. i think i should of sent lba letter like the first time which was an estimate of charges ..totalling 4577. but actual amount upon statments was 765.00

hi . ive sent to prem letters o f now to various credits cards and barclays bank .but i think u get a better responce and an offer if you go for the lba letter ..does any one agree .. the prem letter just seems to delay things

arrh has everyone gone to sleep on this site or what --no ones replying to my questions and wheres a moderator when u need one. maybe i should file a claim for ignorance lol:(

IVE JUST done a lba to marbles adjusted it a bit and want to know if its ok anyone ---- LETTER BEFORE ACTION Dear Mrs McKenzie Re. Account number: xxxxxxxxxxxxxxxxxxxxxxx Thank for you for letter dated 24 May 2007. I am very disappointed that you have failed to respond to my letter in a satisfactory manner. Iam now writing to inform you that I intend to claim the full amount together with interest though the small claims court system. This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the courts will rule in my favour. I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £220.00 from me in default fees . I am enclosing a copy of the schedule of the charges which I am claiming. (This was sent to you in my original letter on the [23 May 2007 ] As you have responded to my first letter promptly I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs. I trust this clarifies my situation Yours Sincerely

interesting i got the same letter as well . mine was signed by coryne mckenzie .standard letters churned out to all ..i was thinking maybe i should of sent a shorten down version of the prem letter but it seems this is standard letter no matter what u put . is ent schule of charges to them

hi ive been reading ur thread and as i ahve a claim with marbles going .. i sent the prelim letter to them with charges owed to me and they sent the exact same letter to me saying no arrrh ..what letter do i send now then lba

OK received statements in post today .worked out charges to be 765.00 sent prem letter of so we will see..

well received letter today after sending them a lba on 21 April .. They still refusing topay up and are sticking with their offer of 8.68. i only got details of mint via phone so dont have statments detailing the amounts so iam goin to try complainting to ombudsman..

need a little advice here . i know mint owe me 84.00 .they sent me a letter offer ing 8.48 which aint even half of it .iam going to sent off n1 form but i dont have statments as proof of itemised charges . if it wont reach court then will it be ok ...

rang barclays today to see whats happening about statments as 40days nearly up .spoke to a nice lady who said she will print them off for me and send to me within next 7-10 .ha ha brilliant no mention of 10.00 fee.

hi . i didnt ask for statments because its only 84.00 ..if i dont get a reply and i send the n1 form off will i need to produce a schedule of charges ..???

yes ..because effectively your borrowing money from the bank so you get interest for borrowing that money . you would get an overlimit fee on the other bank account which is a charge and again interest would be charge on oit .

yes every single charge that makes you go over your overdraft ..if you didnt go over your overdraft you would get a charge therefore no interest .. although overdraft interest is interest for having an overdraft if that makes sense

when filling in a n1 form what proof do i need to claim for exception or remission ..bank statements ..utlity bills etc ..??????or

is it worth contacting the financial ombudsman services to fill complaint against mint

Cobime The Two ..hummm So Letter 2 3, 4???

right received letter today ..about request for payment .. the usual sorry you have concerns about your account ..... we think our charges are fair and resonable . as a gestureof goodwilll we offer you 8.48 -diff between oringal fees and the current ..12.00 charges .. should i sent off the LBA LETTER OR REJECTION LETTER AS PARTIAL SETTLEMENT.

yes the 8%court charge you only add when issuing court claim .and is charged on each fee from date of charge to present day.

Value: Quote: Charges £xxx.xx Overdraft Interest £xxx.xx Interest under s.69 County Courts Act 1984 £xxx.xx Court Fee £xx.xx TOTAL £ xx.xx Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just. question is the daily rate worked out on the charges plus the s 69 court costs interest *0.00022 or just the charges without the s69 interest ??

yeh had a look on there tells you how to fill n1 form it in which is good .but not sure

can the n1 forms be typed online and printed off on 1 sheet of a4 or do they have to be on 1 full sheet of a4 each ???

late fees can i claim these back .also on credits CARDS CAN you claim the interest on charges since start of charge