Consumer Action Group envelope labels
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
21st March 2007, 18:31
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#2 (permalink)
| | Site Team |  Re: WHAT! take my house
please take a look at this: http://www.oft.gov.uk/shared_oft/rep...dit/oft664.pdf
there are MANY different pratices that seem unfair to me.
their behaviour is also blatant harrasment and a breach of section 40 of the administration of justice act 1970.
i would certainly be looking to take a complaint further, that truly is shocking. some info on harrament. National Debtline England & Wales | Debt Advice | Factsheet 03 Harassment
is it a credit card account? is there a county court judgment? have you kept up with payments? have they put anything to you in writing?
__________________ Please note that I cannot give advice via PM, however feel free to contact me in order to draw my attention to a thread and I'll do my best to assist you there!
I'm not a practising lawyer although I do have formal legal training in many debt related areas, if in doubt always seek further advice from a qualified professional.
How to get out of debt: http://www.consumeractiongroup.co.uk...-out-debt.html
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21st March 2007, 19:49
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#4 (permalink)
| | Basic Account Customer | Re: WHAT! take my house
He would not have dialogue with you per the data protection act but dont get concerned by this, they cannot possibly reposses your home it is a credit card not a loan and threfore not secured on property, if the amount is outstanding Citi should by law have informed your wife the debt was outstanding and was being reffered to a debt collection agency, they then have to contact via post to come to an arrangement and give you the chance to say what you can afford, they must also be able to produce a signed copy of your wifes Consumer Credit Agreement (CCA) or be able to get it from citi, that should be her first port of call, to write stating the debt is in dispute and she requires a copy of the CCA that will give stalling time as they cannot persue the debt until it is produced - there is a template letter for this on the forum.
Has she ever had charges incurred by citicard as she can reclaim them thus putting a large chunk out of the debt.
I had an alledged citi debt written of by a company citi sold an alleged debt to as they could not produce the CCA so well worth seeing if they have one.
keep us informed on proceeding
if this has helped please click my scales
Last edited by themadcap; 21st March 2007 at 19:58.
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road,
London,
NW11 7PE
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