Mint refuse refund

jonesMUFCforever

Margaret_Millne wrote:

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??

Sorry don't understand this. Any purchase over £100 is covered by the Consumer Credit Act - it does not matter who the principal or secondary account holder is.
Eric

grumbler

ejones999 wrote:

Sorry don't understand this. Any purchase over £100 is covered by the Consumer Credit Act - it does not matter who the principal or secondary account holder is.
Eric

Follow the link in my post #20 here:

Additional cardholders


There is disagreement about whether additional cardholders are covered by Section 75. In 2001 MBNA won a court case that found Section 75 doesn't apply to some purchases made by additional cardholders. In the judge's view, anything that an additional cardholder buys that's not for the main cardholder isn't covered by Section 75. We don't agree and neither does the OFT.

P.S. Margaret_Millne, check your cards. I don't know about Mint, but for some CC companies additional cardholder's card is almost identical to the main cardholder's one (same 16-dig number and same dates). If there is no a slip with signature it could be difficult to ascertain who actually authorised the transaction.

Margaret_Millne

It was the Judge's decision which concerned me. You are right though, the cards are identical, and it was a telephone transaction, so no signature. My signature is on othe correspondence with the supplier though.

louise1234_2

Were you not planning on taking the main cardholder on holiday with you??

If so the purchase was "for" the main cardholder.

Margaret_Millne

No, he was staying at home to look after the dogs/house/business - any excuse he could think of really - still as we work together 24/7 at least we get a break from each other!

Margaret_Millne

Right guys, 8 days since last letter posted to them and still no reply. Where do I go from here?

grumbler

Margaret_Millne wrote:

8 days since last letter posted to them and still no reply. Where do I go from here?

BTW do you post letters by recorded mail?
MINT Card Terms and Conditions :

IMPORTANT - READ THIS CAREFULLY TO FIND OUT ABOUT YOUR RIGHTS

The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order.

The Act also gives you a number of rights:

1. You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.
2. If you received unsatisfactory goods or services paid for under this agreement, apart from any bought with a cash loan, you may have a right to sue the supplier, us or both.
3. If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us.

If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

MINT is a business name of The Royal Bank of Scotland plc

If you are not satisfied with our service in providing the card and related services we have a complaint handling procedure that you can use to resolve such matters. For more information about this procedure you can get a leaflet giving details of the procedures from any of our branches or by phoning us. We are a member of The Financial Ombudsman Service. If you are still not satisfied after following our procedures, you can ask the Ombudsman to review the complaint. Alternatively you can write to Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR or telephone 0845 080 1800.

Margaret_Millne

I sent one of the letters by Recorded Delivery, but not the last one. They will not speak to me on the phone as my husband is the primary card holder.

I have my own Mint acount, so I suppose I could ring as me, and ask for their complaints procedure leaflet.

Should I send a second copy of last weeks letter by Recorded Delivery, or am I just giving them more time to prevaricate?

jonesMUFCforever

I assumed that the card was in your name as, correct me if I'm wrong, you failed to inform us otherwise.If your husband is cardholder he must be the one sending the letters and doing the complaining as they are correct in saying that they will only deal with him.
ERic

Margaret_Millne

Yes, my husband is the cardholder, and yes the letters are going from him, and the replies are coming to him. Like many couples, I suspect, one partner does all the actual negotiations, etc. and the other one goes along with it.