Mint Card PPI

[Scrappy Coco]

Re: Mint Card PPI

Hi Matty A,

I find their attitude beyond belief.

Just opened yesterdays post to find a letter from them advising they are increasing my APR from 19.9% to 22.9% and they have reduced my credit limit.

Not bothered about either as the card hasn't been used for 3 years in April 13.

So in short they can find time to send letters with no real relevance to me but have been unable to respond in a timely manner to anything that has been requested of them. You couldn't make this stuff up.

Just checked my account online and guess what??? They have taken PPI premium for another month. I cancelled this back in June 2012.

Also found this little gem on their site as well

"Be working in the UK including self-employment for at least 16 hours per week, or where applicable, you are on statutory maternity or paternity leave"

I have never heard of a credit card the offers PPI to the self employed. This is one of the main reasons they got done for mis-selling I believe.

So Mint (RBS) have changed their position on self employment?? More like changed their position to cover their own arses and refuse further claims more like.

And no doubt they will use this to refuse my refund. Going to write to FOS & ICO today. If nothing else it costs them £850 for a PPI complaint. That much I do know.

Thanks as always

Scrappy Coco

[MattyA]

Re: Mint Card PPI

All sounds very familiar to me Scrappy - At least they are consistent.

I just dont know how or who is allowing them to get away with this continued abuse of the consumer......on a royal scale.

Have they bought emselves back yet? If not the government should be doing something about this.

If they have bought themselves back then no wonder - They have short changed millions of customers and are now free to continue as they were.

Same old , same old.

Royal Bank of Scotland - RBS.co.uk




www.rbs.co.uk/

We're Committed to becoming Britain's most Helpful Bank.

Are they for real???


Matty

[Scrappy Coco]

Re: Mint Card PPI

Hi Di & Matty,

I think I might have an angle which I can use to get my money back.

I have been doing to research on and around FOS site and I found the following:

complaint upheld
When we spoke to the loan provider, it told us it would be no more difficult for a self-employed customer to make a successful claim under this policy than for an employed customer.
So we carefully reviewed the policy documents that Mr J had been given. We found that for a self-employed customer to be covered if they became unemployed, their “business” would have to “permanently cease trading”.
This meant that Mr J would have needed to have stopped working as a dental technician permanently to qualify for unemployment cover – which is very different from temporary unemployment.


Having considered the evidence, we concluded that the terms of Mr J’s policy – in relation to self-employment – amounted to a significant and onerous restriction, and that the loan provider should have brought them to his attention. We also pointed out that the policy had been recommended to Mr J – and that it was the loan provider’s obligation to ensure that it was suitable for him.
So he should not have needed to wade through the small print of his policy documents himself to check that it was suitable. In light of the evidence, we took the view that had Mr J been made aware of the implications of the policy, it is unlikely he would have taken it out.


The terms and conditions on my original application clearly state and I quote " If you are self employed, we will contact your accountant, bank and/or tax office for proof that you have ceased trading"

This is basically the same scenario as the case above.

So after Christmas all the info is going to FOS along with the case from their website which they ruled in favour of Mr J.

Mint also keep sending me bloody letters about my mis-selling complaint.

I never said they missold me the PPI. My BLOODY circumstances have changed your arseholes.

Cheers as always & Happy Christmas and New Year to all.

Scrappy Coco

P.S. Like the new picture DI

[di30]

Re: Mint Card PPI

Hey that is fab, well done!
I think this may be a good help for your case, good luck.

Lol, thank you.

[Scrappy Coco]

Re: Mint Card PPI

Afternoon all,

Sorry for the christmas day post but thought you'd like to hear that Mint have added PPI again this month after confirming in writing that it had been cancelled as requested.

Excuse my french by FUCK ME no wonder this bank went down the shitter and nearly took everyone with them.

Anyway a good rest of the day.

Thanks as always

Scrapper Coco

[Scrappy Coco]

Re: Mint Card PPI

Evening all,

Need some advice so nothing new there then.

After the initial piss off your not getting a penny back I have been receiving letters about my concerns and mis-selling from RBS (Mint)

Must be the bog standard template letter as if they had bothered to read my complaints / requests they would have worked out by now that it's not a mis-selling complaint at all.

It's I can't claim ever again as I've gone from Employed to Self Employed now given me all my premiums since my last claim ended complaint.

How bloody hard can it be????

Give me strength. I'd like to go round to RBS and out of them.

Stupid is to kind a word for these morons. I'll get a visit from the cozzers now as I've made a threat on a public forum

Anyway moving on, Should I go to FOS now or leave it a little bit longer as it's been way over 8 weeks and still not a response which actually says FINAL.

Oh, and MP still hasn't had a response back. Talk about taking the proverbial.

Thanks as always.

Scrappy Coco

P.S. Will be using the same line with Northern Rock as terms & conditions state exactly the same about self employment and FOS don't like those T&C's in relation to self-employment as they amount to a significant and onerous restriction within the policy

[di30]

Re: Mint Card PPI

Evening all,

Need some advice so nothing new there then.

After the initial piss off your not getting a penny back I have been receiving letters about my concerns and mis-selling from RBS (Mint)

Must be the bog standard template letter as if they had bothered to read my complaints / requests they would have worked out by now that it's not a mis-selling complaint at all.

It's I can't claim ever again as I've gone from Employed to Self Employed now given me all my premiums since my last claim ended complaint.

How bloody hard can it be????

Give me strength. I'd like to go round to RBS and out of them.

Stupid is to kind a word for these morons. I'll get a visit from the cozzers now as I've made a threat on a public forum

Anyway moving on, Should I go to FOS now or leave it a little bit longer as it's been way over 8 weeks and still not a response which actually says FINAL.

Oh, and MP still hasn't had a response back. Talk about taking the proverbial.

Thanks as always.

Scrappy Coco

P.S. Will be using the same line with Northern Rock as terms & conditions state exactly the same about self employment and FOS don't like those T&C's in relation to self-employment as they amount to a significant and onerous restriction within the policy

Hiya

thank you for the update, and sorry they've not come back to you and backed down.
You can now complain to the FOS if you wish, however how long ago was the full 8 weeks up?

Just asking, in case of any delays with xmas post if you get my drift.

Good luck with NR too. x

[Scrappy Coco]

Re: Mint Card PPI

Hi DI,

End of August 2012 is when I sent off my first letter. So 8 weeks has definitely been and gone.

After work today I shall complete the FOS complaint form then.

Thanks as always

Scrappy Coco

[di30]

Re: Mint Card PPI

Hi DI,

End of August 2012 is when I sent off my first letter. So 8 weeks has definitely been and gone.

After work today I shall complete the FOS complaint form then.

Thanks as always

Scrappy Coco

Hiya

Blimey they've had more than ample time, so yes your doing the right thing now for moving it on to the FOS, also write on the form that you seek further redress for the distress and inconvenience etc.......


Good luck x

[Scrappy Coco]

Re: Mint Card PPI

Evening all,

All information present and correct and ready to be posted recorded first thing in the morning.

Don't think I have left anything out.

Keeping that online ruling to myself until I hear what adjudicator comes back with. If it's not in my favour I'll hit them with it and ask them to explain whats on their website that differs in any way to what my complaint is about.

Fingers crossed

Thanks as always

Scrappy Coco

[di30]

Re: Mint Card PPI

Evening all,

All information present and correct and ready to be posted recorded first thing in the morning.

Don't think I have left anything out.

Keeping that online ruling to myself until I hear what adjudicator comes back with. If it's not in my favour I'll hit them with it and ask them to explain whats on their website that differs in any way to what my complaint is about.

Fingers crossed

Thanks as always

Scrappy Coco

And good for you too, for standing your ground, you remind me of me now! lol.

Good one, great stuff and fingers crossed x

[Scrappy Coco]

Re: Mint Card PPI

Hi DI,

My problem is, I never ever give up.

Same thing with moving our mortgage to a smaller property. Bank said NO but I had other ideas. In the end I didn't give up and went at them hard and they caved in

Mortgage 0 Scrappy Coco 1

Thanks as always

Scrappy Coco

[di30]

Re: Mint Card PPI

Hi DI,

My problem is, I never ever give up.

Same thing with moving our mortgage to a smaller property. Bank said NO but I had other ideas. In the end I didn't give up and went at them hard and they caved in

Mortgage 0 Scrappy Coco 1

Thanks as always

Scrappy Coco

That's the hammer hun!
One of mine went on since 2007, maybe earlier and the business kept saying no, this was Endeavour, but I had them in the end, this was 2011, I wouldnt have cared if it had taken double those years, I would have kept on pmsl .

Your doing fab!

[Scrappy Coco]

Re: Mint Card PPI

Afternoon all,

Thought I'd check my account as still not heard a bloody word from MINT (RBS)

No surprise really as they top the table for the worst bank dealing with requests / complaints etc.

Anyway the following entries have been made to my account which I'm at a loss as to what they are

03 Jan 2013 GENERAL EXPENSES / COMPEN £4.80
03 Jan 2013 GENERAL EXPENSES / COMPEN £50.00
03 Jan 2013 INTEREST REFUNDED £30.00

They better not think that this is their idea of refunding my PPI payments due to me being self employed.

With interest @ 23.5% and the standard 8% they need to refund me £1,900 which will completely clear the card. Then I will cut it up and pee on it and send it back for the attention of Stephen Hester

Thanks as always

Scrappy Coco

[di30]

Re: Mint Card PPI

Afternoon all,

Thought I'd check my account as still not heard a bloody word from MINT (RBS)

No surprise really as they top the table for the worst bank dealing with requests / complaints etc.

Anyway the following entries have been made to my account which I'm at a loss as to what they are

03 Jan 2013 GENERAL EXPENSES / COMPEN £4.80
03 Jan 2013 GENERAL EXPENSES / COMPEN £50.00
03 Jan 2013 INTEREST REFUNDED £30.00

They better not think that this is their idea of refunding my PPI payments due to me being self employed.

With interest @ 23.5% and the standard 8% they need to refund me £1,900 which will completely clear the card. Then I will cut it up and pee on it and send it back for the attention of Stephen Hester

Thanks as always

Scrappy Coco

Hiya, and Happy New Year!

I would contact them and ask them what the payments are in aid of.
I wonder if this is excess after the card has been paid off perhaps?