Mint refuse refund

jimmyjim_uk

7 days from the receipt of letter is fair. When I have spoken to Trading Stanadards for advise on dealing with a company, they have always advised me to put a 7 day time limit for a reply within the text of the letter.

Margaret_Millne

OK, they've had the letter over 7 days now - sent it by Recorded Delivery so I have proof.

Will write another letter over the weekend giving them a further 7 days, and will then take it up with Trading Standards.

Would you mention Trading Standards in this letter, or keep that in reserve?

jonesMUFCforever

By all means mention trading standards but I would go along the lines that if their complaint procedure is now at an end that you want a letter of deadlock, in order to take it up with the Banking Ombudsman. As banks have to pay for each case referred not many get that far unless they are 100% in the right.
Eric

mountainofdebt

I'm just wondering if Mint are unwilling to pay up becuase it (theoretically at least!) is covered by the ABTA compensation scheme?

I might be barking up the wrong tree so please forgive if I am?

Margaret_Millne

Pretty sure this outfit are not covered by ABTA. I received a letter from the Liquidator last week saying creditors - i.e. me - are not likely to get paid. Should I send a copy of that with my letter to Mint?

jonesMUFCforever

Margaret_Millne wrote:

Pretty sure this outfit are not covered by ABTA. I received a letter from the Liquidator last week saying creditors - i.e. me - are not likely to get paid. Should I send a copy of that with my letter to Mint?

Yes (keep the original!) and do as I posted above.
#Eric

Margaret_Millne

Thanks, will do. Have a letter drafted ready to go. Will wait to see what tomorrow's post brings.

Margaret

H2SO4

If Mint refuse to fulfill their obligation under Section 75 of the Consumer Credit Act 1974, then you should report them to the Financial Ombudsman. Note that the first line of the T&Cs for any card states that the Act applies.

The Consumer Credit Act 1974: http://www.john.antell.name/CCA1974.htm

Other useful Acts such as Sale of Goods, Supply of Goods & Services, & Unfair contract Terms are also on the same website

grumbler

Margaret_Millne,
You can find some useful informaition in my quotation from Which?extra website in my post in Faulty goods on credit cards question? thread.

Margaret_Millne

OK, it seems that we should be ok, except for the bit about purchases by the joint credit card holder. Will have to wait and see what response we get to the letter sent yesterday. Anyone else fought this "joint card holder" point and won??