Mint credit

david_hellier

Poor Mint, times are hard!

PNPSUKNET

Ask them to check the MID database

fermi

If it is outside the 3 years, then they are barred from making a claim no matter what.

Whether you were insured or not means diddly squat.

UnderPressure

I "think" what has happened here is Mint are basically a debt collection agency working on behalf of MIB (Motor Insurers Bureau), it seems that 10 years ago for whatever reason the "victim" of the accident filed a personal injury claim with MIB as for whatever reason they could not establish the OP's insurace at the time, MIB being MIB then paid the "victim" an amount for the personal injury, now 10 yrs on the MIB are trying to recover this amount through MINT as a debt.

It does NOT mean somebody is trying to make a personal injury claim now 10 yrs after the incident, if the OP does a little more digging they will see the actual claim will have been paid out a long time ago. If the OP can establish which insurance he had at the time then he needs to pass these details onto MINT who will then try and recover the amount directly from the insurers.

How do I know all this??? I am in the same position with a letter from MINT last week about an incident a number of years ago and having exactly the same problem trying to establish who my insurer was at this time and it is proving to be an absolute nightmare, what we need to figure out if this is just treated as any other debt so essentially both of these would be statute barred, having never dealt with this kind of thing before I have no idea at the moment, I have spoken to MINT and the details they have are sketchy at best I cannot understand why after a number of years this is the first thing I have heard about this.

I am playing the ignoring game at the moment and seeing what their next move is as I cannot establish who my insurer was at the time I just dont have any paperwork going that far back and apparantly the "ultra reliable database" is of no use in situations like this!!

From the feel of things I dont think they have any grounds to even try and collect this time will tell I will have to wait and see what the next lot of paperwork to drop through the door will be!!!

fermi

UnderPressure wrote: »

I "think" what has happened here is Mint are basically a debt collection agency working on behalf of MIB (Motor Insurers Bureau), it seems that 10 years ago for whatever reason the "victim" of the accident filed a personal injury claim with MIB as for whatever reason they could not establish the OP's insurace at the time, MIB being MIB then paid the "victim" an amount for the personal injury,

Do you mean an actual court claim where the court entered judgement for the amount of PI compensation claimed?

Or do you just mean MIB paid out without that out of court?

If it is the latter, then the 3 years (or 6 if treated as a normal debt) under the Limitation Act still applies. Legal action against benjiboy to recover the PI would be barred.

benjiboy_2

thanks under pressure, that is exactly what i think will have happened and thanks everyone else who has replied.
I was under my Dad's insurance and I have contacted him today and he can't remember who we were insured with, i will call Mint after work and see where we go from here.
Does any one know how long insurance companies keep your details? I have read it is only 7 years but don't know the exact details.
It is really nice of them to do this after 10 years!

UnderPressure

As far as I know in my situation anyhow no county court claim was ever made, it seems for some unknown reason the completely at the time un-injured so called victim has somehow made a claim direct with MIB and told them I had no insurance, they have then paid out a personal injury claim to him, as they would do if indeed I had no insurance...............

It is an absolute nightmare and for the life of I cannot understand like the OP how this is the first thing I have heard about it after so many years, I remember the incident the so called "victim" ran into me!!!! I was in an old banger of a vehicle that was to be traded in it only resulted in a dented bumper for me he was adament at the time that he did not want to claim on his insurance and wanted to deal with it between us, so I gave him my phone number and details and I never heard anything else from him, I chalked it upto experience as a week later I had traded the car in and got a new one which was my plan all along silly me!!!

I dont for the life of me understand how this has happened I really dont, I dont see why I should have to pay this cannot get any sense from MINT so time will tell, as said to my knowledge there was never any court claim, I never received any details anyhow and now it is after 6 years so there is nothing on Experian or Equifax either.

Im just going to hang on and see what their next collecion actions will be and go from there I have a funny feeling it may be classed as any other debt you just get a little nervous when it is to do with car insurance or at least I do anyhow, if it is a normal debt it is statue barred anyhow.

fermi

UnderPressure wrote: »

As far as I know in my situation anyhow no county court claim was ever made, it seems for some unknown reason the completely at the time un-injured so called victim has somehow made a claim direct with MIB and told them I had no insurance, they have then paid out a personal injury claim to him, as they would do if indeed I had no insurance...............

In that case, they would be barred from taking legal action against you.

In the case of action as a PI court claim, it would have been barred after 3 years. Or at the very least, it would be six years under normal rules.

Either way, to enforce payment from you would require them to take it to court, and whichever way you look at it, they seem to be barred from doing so after all this time. Or at least that seems to be the case.... I can't see how they could get round it at the moment. They could well be chancing their arm, hoping you don't realise and pay up.

fermi

UnderPressure wrote: »

you just get a little nervous when it is to do with car insurance or at least I do anyhow, if it is a normal debt it is statue barred anyhow.

I can understudy that. It does make you pause and wonder.

But I can't really see them being able to "exempt" themselves from this being statute barred under one rule or the other? Could be wrong, but I can't imagine under what grounds, and would be very very surprised.

UnderPressure

Thanks Fermi

I will update this as and when and if they chase any further, at the bottom of the letter it said something along the lines of "you must contact us within 14 days other wise MIB "may" start tracing procedures" whatever that is supposed to mean!