Mint Card PPI

[Scrappy Coco]

Re: Mint Card PPI

Hi DI,

Happy New Year to you also,

I don't think it can be as the outstanding balance is still showing as £1837.00.

I will leave it a few days before contacting them and see what arrives in the post.

What's the betting I get another letter on Monday advising that they have refunded the PPI for the last month blah blah blah blah and we have made our position clear on this matter previously now contact FOS?

Already done that me old pals.

Another £850 charge coming your way. When will they ever learn??

They will conveniently forget that I requested the cancellation 6 months ago yet they have still been taking premiums every month since.

Thanks as always

Scrappy Coco

P.S. Another class picture DI

[di30]

Re: Mint Card PPI

Hi DI,

Happy New Year to you also,

I don't think it can be as the outstanding balance is still showing as £1837.00.

I will leave it a few days before contacting them and see what arrives in the post.

What's the betting I get another letter on Monday advising that they have refunded the PPI for the last month blah blah blah blah and we have made our position clear on this matter previously now contact FOS?

Already done that me old pals.

Another £850 charge coming your way. When will they ever learn??

They will conveniently forget that I requested the cancellation 6 months ago yet they have still been taking premiums every month since.

Thanks as always

Scrappy Coco

P.S. Another class picture DI

Hi and thank you x

Yes that's true, the calculation would not work out right if that was the case, you know what they like with error's etc..... lol!
Still I'm sure it will come right.

I agree, see if this new coming week if a letter will arrive also with an explanation, take it from there.

LOL, nope they will never learn, that is far too difficult for them .

Keep up the great work though.
Look forward to hearing what they come back with on this one, fingers crossed x

[Scrappy Coco]

Re: Mint Card PPI

Evening,

It was compensation for all the hassle they have caused by not responding to me blah blah blah.

Still looking into my complaint regarding the PPI blah blah blah

Then went on to answer questions about issue's I never brought up just mentioned in my last letter to them

"I find it totally unacceptable that a STATE owned, supposedly professional organisation can be allowed to casually operate seemingly without a care in the world.
Mint (RBS) can take the time to send me pointless letters outlining your need to increase my APR from 18.32%pa to 22.47%pa and decrease my credit limit on a card that hasn’t been used for 3 years, yet you are unable or even capable of responding or even acknowledging my legal & legitimate requests.

“We regularly review your card account to make sure you can comfortably meet your repayments” I do believe that the only payments that have ever been missed have been down to RBS when I was making a PPI claim. Given your attitude towards your customers this comes as no surprise and yet you shift the blame away from your organisation.

It is a shame Mint (RBS) didn’t take their responsibilities more seriously leading up to 2007 – 2008 then you wouldn’t be a STATE owned organisation that nearly destroyed this country.

Yet you can find time to send me garbage which only increases your profits."


Please see attached bollocks from Mint

They are fully aware that this card has been destroyed and that I have never once missed a single payment yet they decided to conduct a search as a responsible lender blah blah blah

And my credit rating hasn't changed much in 3 years. In fact it's improved as Ive got less outstanding debt.

Bit bloody late to be acting responsible considering they single handily nearly brought this country to its knees

Should I go back at them on this matter??

I don't really give a crap to tell you the truth but I like to keep them busy doing unimportant stuff as they have to legally. Childish I know but fun

Thanks as always

Scrappy Coco

[di30]

Re: Mint Card PPI

Hiya

So that's what the payments made to you were then!!!

Well you know what I'm like and I know your the same as me, keep fighting all the way until they agree with all the issues!

Fob off merchants!!!

[Scrappy Coco]

Re: Mint Card PPI

Evening all,

Today I received another letter with all my correspondence attached telling me to write to PPI Complaints in Manchester. Bloody cheeky bastards. I've already sent everything there and to their office in Southend to make sure they got it all.

It then goes onto to advise me that they are only legally obliged to send me details going back 6 years. WTF

They have totally ignored the fact that I only require a refund from when my last claim finished. Not the whole bloody lot you morons. And we wonder why the shit hit the fan. All the monkeys are running wild inside RBS and chucking their own shit at each other.

What pisses me more is I have 24yrs experience in the financial sector but can I get another job? Like hell I can, yet these idiots taking the piss out of me. I'm left driving a bloody van for a living while wasting away in the brain department.

And they keep referring to MIS-SELLING. I NEVER SAID IT WAS MIS-SOLD. WHAT I SAID WAS IT IS NO LONGER SUITABLE GIVEN MY EMPLOYMENT CIRCUMSTANCES.

I get the feeling I am being given the runaround and can't be arsed trying to communicate with total morons. FOS has every piece of information so they can deal with it from here on in.

Rant over

Thanks as always

Scrappy Coco

[MattyA]

Re: Mint Card PPI

Your wasting your time Scrappy.

They are messing you about and loving every minute of it too!

I know because I have been there & have experienced everything you are listing above.

Have you had the letter off them yet with no phone number on it from the PPI complaints dept?

Or the letter (from the Manchester office to which you refer above) with the phone number on it that is never ever answered?

My advice is go to Mr Hester and email him a complaint every day until you get some action.

I did this after 12 months of arguing with them over my PPI settlement payment - the last straw after being passed from pillar to post (and being knocked back at every turn) was their refusal to comply with my SAR request.

It sparked an inernal enquiry almost instantly and I have been told today that a response , along with the information they have previously refused to send me for the best part of a year.

It could be a load of bollox that they send me though - I will let you know.

You might as well make em work for it though ?


Matty

[MattyA]

Re: Mint Card PPI

Stephen.Hester@rbs.co.uk

[MattyA]

Re: Mint Card PPI

deleted

[MattyA]

Re: Mint Card PPI

Dear Mr Hester,

Complaint re account ref

I am writing to express my great disappointment and disgust at the way I have been treated by your team whilst trying to resolve the above matter , which has now been ongoing for almost 2 ½ years.

They ( be it under your instruction or not) have used every delaying and avoidance tactic in the book to avoid dealing with my complaint properly and fairly ,no doubt in the hope that I would ***8216;throw in the towel***8217; and disappear.

Their tactics have included:

Ignoring correspondence
Not answering telephone calls (One of the numbers used by your team is never answered )
Hiding behind the BBA court action
Refuting pretty much everything I have put to them ***8211;despite my providing proof to the contrary
Failing to settle my claim in accordance with the FOS guidelines ,despite them telling the FOS that they would do.
The issuing of ***8216;final responses***8217; despite you not providing information requested or answering the questions put to you
The list goes on.........

The latest issue and the last straw for me, is the refusal to provide me with details of all information you hold on file about me / my account in the form of a subject access request, which has been returned to me due to my account being closed.

What utter nonsense.

The account was closed by you approximately 2 years ago.

Despite this you have corresponded with me on many occasions over the past 2 ½ years and even credited a refund to the ***8216;closed***8217; account.
This was also no doubt another delaying / frustration tactic as I was not able to access the refund and it took numerous telephone calls to resolve ***8211; All at my cost , not only in time & frustration but also in monetary terms.

Enough is enough ***8211; It is time to sort this matter out once and for all without further delay.


The crux of the issue is that you despite telling the FOS to the contrary , you have failed to settle my claim fully and properly in accordance with the FOS guidelines.

I have proved this to your staff and they have simply ignored me to date ***8211; I hope that you will now intervene and change this.

I have the majority of my copy statements going back to 1997 and have calculated the redress due (in accordance with the FOS guidelines) to be substantially more than offered by you to date.

Please note: The spreadsheet and formulae used is as provided to me by another bank when settling a similar claim, with a similar long standing account and balance, but with a much higher settlement eventually being agreed.
I will happily provide details for you to check if you so wish.

I have tried to discuss the reasoning behind my argument (for which there is much substance) but I have quite simply been ***8216;fobbed off***8217;.

The last 3 letters from your staff are quite simply a disgrace and I am sure would make very disappointing reading to you.

All I ask for and have ever asked for is for me to be reimbursed properly and fully in accordance with the FOS guidelines.

To date this has not happened.

I have been trying to resolve this since you made the payment referred to above (without notice or agreement) at the end of 2011.

Since that time I have been asking for a detailed breakdown of your calculations , showing me how you have arrived at the sum.

12 months later I am still no nearer receiving this information.

This refusal leads me to believe that there is something to hide and that you know full well that the redress offered is not what it should have been had you abided by the rules, which seems very difficult for your staff to do in so many aspects of my and no doubt countless other claims.

I feel that I have been more than patient with the various departments within your organisation that I have been passed around over the last 2 ½ years and must now ask that you stop this nonsense and provide the information that I have requested without further delay.

I do not believe I am asking for much and therefore request the information is provided within the next 7 days.

Failure to do so will result in my complaining to the Information Commissioners Office & the FOS (again) about your conduct.

I do hope that this won***8217;t be necessary and I look forward to your intervention in bringing this matter to a speedy conclusion.


Your faithfully,

Matty A.

[MattyA]

Re: Mint Card PPI

sound familiar ? (I know it is a different issue , but the avoidance tactics seem to be the same).

[Scrappy Coco]

Re: Mint Card PPI

sound familiar ? (I know it is a different issue , but the avoidance tactics seem to be the same).

Sounds very familiar indeed.

I liked the letter to Stephen plumb up my arse Hester.

I might just start spamming him with email after email until I get an answer.

I might even ask for a job as I'm sure he could find it in his heart to pay me well so I can sit around diverting complaints to all and sundry but never actually doing anything about them

Thanks as always

Scrappy Coco

[Scrappy Coco]

Re: Mint Card PPI

Evening all,

You really couldn't make this stuff up.

So finally Mint (RBS) has cancelled my PPI after 7 months of me requesting this.

Just got my statement for this month. I'm paying £25 more in interest this month without the PPI than I did last month with the PPI

I can only assume that they have put up my interest rate even though I requested they didn't as I haven't used the card in 3 years and will never use it again as it's gone to the card heaven in the sky to be with the other cut up cards.

So that will be a basis for another complaint about Mint (RBS) and their god dam failure to comply with anything you request of them

Before I forget FOS called to ask some run of the mill questions and while on the phone the adjudicator asked if I'd like to open a separate complaint about Mint's failure to cancel my PPI 7 months ago. I agreed to do this as whatever happens they will get stung twice with FOS charge

Thanks as always

Scrappy Coco

[di30]

Re: Mint Card PPI

Evening all,

You really couldn't make this stuff up.

So finally Mint (RBS) has cancelled my PPI after 7 months of me requesting this.

Just got my statement for this month. I'm paying £25 more in interest this month without the PPI than I did last month with the PPI

I can only assume that they have put up my interest rate even though I requested they didn't as I haven't used the card in 3 years and will never use it again as it's gone to the card heaven in the sky to be with the other cut up cards.

So that will be a basis for another complaint about Mint (RBS) and their god dam failure to comply with anything you request of them

Before I forget FOS called to ask some run of the mill questions and while on the phone the adjudicator asked if I'd like to open a separate complaint about Mint's failure to cancel my PPI 7 months ago. I agreed to do this as whatever happens they will get stung twice with FOS charge

Thanks as always

Scrappy Coco

Hiya

Thank you for the update!

How dare they!!!! , it does look like they done this on purpose doesnt it?

Yes I would do that too, as separate complaint, it's their own fault afterall, stuff them.

[Scrappy Coco]

Re: Mint Card PPI

Evening all,

Spoke with Mint (RBS) today and they had increased my APR.

I asked them why as they are fully aware the card has been destroyed and not used for over 3 years.

Then informed them of the 2 FOS complaints which they knew about.

Advised them that unless they wanted another complaint against them to put the APR back to what it was as I wasn't going to be used as a cash cow because of my financial circumstances.

He went away and when he came back my interest rate had been reverted back and all interest adjustments will show on my next statement.

Not a bad mornings work if I do say so myself

Thanks as always

Scrappy Coco

[di30]

Re: Mint Card PPI

Evening all,

Spoke with Mint (RBS) today and they had increased my APR.

I asked them why as they are fully aware the card has been destroyed and not used for over 3 years.

Then informed them of the 2 FOS complaints which they knew about.

Advised them that unless they wanted another complaint against them to put the APR back to what it was as I wasn't going to be used as a cash cow because of my financial circumstances.

He went away and when he came back my interest rate had been reverted back and all interest adjustments will show on my next statement.

Not a bad mornings work if I do say so myself

Thanks as always

Scrappy Coco

Well done you!
It just goes to show doesn't it? if you keep quiet then they would get away with it!

Excellent stuff, well done!