Help

Muddyball

Hi All,

In 2011 my wife was on Maternity leave, whilst in a conversation with MINT they asked her if she wished to reduce the payment over the period of a few months while she was on a lower income, she thought why not it isnt doing any harm and was actually paying off just slightly less a month. After checking her credit file recently as she has had a mortgage agreed in principle we noticed Mint had actually defaulted her? The status shows AP for three months then a red default? We dont understand this as she was continuing to meet payments arranged with the lender and not once was a default mentioned to her?? Can someone offer some advice?

Thanks

rizla_king

Complain to Mint that you were not sent a default letter warning you that was going to happen. Tell them that unless they take they default off you will be taking them to the FOS and ICO.

Muddyball

It was actually over the 9 month period she was off, its showing AP from January to September then all of a sudden in octobers a red default? Doesnt seem right

rizla_king

You should have been warned in writing and given a chance to bring payments back up to date.

happy_bunny_2

As Rizla says. Complain, in writing. If you need to refer to FOS, can take months.