Hi has anyone managed to claim against cetelem who used to be under Halifax by providing loans? Hubby tried to make a claim but letters returned back

nice one may be now I can sort out my mobile problems

This company 3 are a weird lot .I've had a contract with them for the last 3yrs. when i upgraded in August this year iwas given an 18month contract which am regretting. I was late to pay their bill by 1 week an indian calls me n tells me as i didn't have the money as it was not payday yet i just give them my credit card details even though i told them it had no money, the guy said it doesn't matter i just give out the details. I smelled a fish and told him off after which he threatened to put a default against my name. Iwas fuming iput down the phone and the next day they disconnected my line including calling the customer services which is free from your handset. I lost a job as they had also disconnected my incoming calls. Itried calling customer services but they kept hanging up on me untill i told them iwanted to cancel the contract on this they stayed on the phone and rudely asked me to pay the full line rental and they gave me figure of about £600. I asked how they calculated this and they said its £1.50 a day. so until2008 feb, if i calculate the amount it doesn't come to £600 unless he was doing it in Rupees. Thing is is there any thing ican do or can the OFCOM help in anyway?

i took citicards to moneyclaims for £450 on 4th september, on the same day i received a letter from citi with a cheque of £211.00, now my question is should i write tothe courts and tell them that i am now claiming the rest of £234 or what should i do?

They sent the same letter to my partner saying that he'd refused their offer, went to moneyclaim , received full amount within 4 days talk of fast track!

another win against Halifax for my partner took them to the cleaners.people don't give up now. I went to moneyclaim but they settled fully out of court.As for Cti cards This Brian Snith is becoming insulting. He claims that we on consumer action group are quote"are parrotting the same pseudo-legal gibberish that the internet websites are putting out." Some one please find out how long he has practised as solicitor? He claims, "i've jumped on the same bandwagon as every other claimant(yeah and i've won)and downloaded this nonsense beleiving it is persuasive." Translation please is he calling me stupid and can sue him for that? Just a querry. Press on my fellow consumers , press on!

thanks everyone i'm going for the whole lot will send back the cheque or any other ideas?

hi first i want tothank all who gave a reply regarding my citi card, but istill don't know what to do with the cheque for those ho are new to the thread, i filed a claim against citi cards to the courts and theywere very quick to reply using their solicitor Brian Smith. I act on behalf of citi financial and am writing in regard to your complaint of default charges applied to your account I assume that your complaint was made as a result of the recent statement by the OFT on default fees charged by the UK credit card industry. My client has adopted the same practices as the entire UK credit card industry and, with that industry, disagreeswith the OFT's interpretation of the law relating to default charges. Please note that the OFT recognises that its interpretation does not have the force of law, having never been decided by a court, and therefore merely persuasive. Moreover, the OFT did acknowledge that default fees are not themselves unlawful' but simply confined itself to stating that it believed that the level of default charges imposed by the UK credit card industry to be unfair. Therefore, if you breach your contract, we are and always were, entitled to levy a default fee, just not one in excess of £12.00 The oFT did not say in its statement that all such default charges are unfair; it merely set a recommended threshold of £12.00 to reflect the balance of information given to it bymany of the banks that these charges are based on a number of factors and not just, as is commonly supposed, the price of a stamp or envelope, etc. In line with the OFT statement, therefore, I have advised my client that, in your case, as a current cardholder(This is a fib as ipayed them offin 2004) who has been charged nine late payment fees of £25.00 and nine over the limit charges of £25.00, which is a total of £450.00,( the full amount i am claiming from them)it would be appropriate to write off the difference between our charges of £25.00 and the OFT's recommended level of £12.00. Having reviewed your account, I have therefore recommended that the sum of £234.00 be written off, reflecting the difference between £450.00 and £216.00 had the charges been £12.00(i'm being conned somewhere between these words) Accordingly your account has been reduced by that amount,( idon't have an account with them so shouldn't that money be sent to me in form of a cheque?)putting your account in credit by £211.00. This has been requested to be sent to you as a cheque, which you should recieve within the next seven days( it came the same day as these letter but i haven't cashed it yet) In the event that you are not satisfied with this nd proceed to issue a claim for the full amount, Citifinancial will defend this on the basis of the OFT's own statement and analysis of the lawful level ofdefault charges.9sounds like a threat to me) Any defence will also excercise the defendant's right to seek to have the claim transfered to its home court, i.e. Salford county court.(i live in london) The legal presumption is that justice should be local to the defendant as the dfendant is deeemed innocent until proven guilty and ought to be disadvantaged in defending itself. ( they re now playing victim after ripping me off) please some one help me as to the next step and what to do with the cheque. A template to the reply would be handy please.

hi i'm in afix i've taken citi cards to court and they replied quickly by saying theywill pay the difference of £25 to £12. I know it doesn't make sense but they are assuming istill have an accuont with them yet i paid them off. I'm claiming £450, but they are i quote" it would be appropriate to write off the difference between our charges of £25 and the OFT's recommended level of £12. Having reviewed your account, I (BrianSmith) have therefore recomended that the sum of £234 be written off, reflecting the difference between £450 and and £216had the charges been £12. Accordingly your account has been reduced tothat amount, putting your account in credit by £211. This has been requested to be sent to you as a cheque( i got the cheque the same day as the this letter but haven't cashed it coz i don't understand a word this solicitor is saying) In the event that you are not satisfied with this and proceed to issue a claim for the full amount, CitiFinancial will defend thison the basis of the OFT's own statement and analysis of the lawful level of default charges.Any diffence will also exercise the difendant's right to seek to have the claim transfered to it's home county, i.e. Salford county court.( I live in London) The legal presumption is that justice should be local to the difendant as the defendant is deemed innocent until proven guilty and ought not to be disadvantaged in defending itself.( what is this Brian on about?)" Some one please help, should i take the offer or what should i do ? mind you i owe them nothing.Thanks in advance.

please could everyone check their citi cards statements as they seem to have a very dirty game going on. When you make a payment to them, it shows on your statement as minus that amount you paid then after putting in their interests,late payment fees, over the limit charges and all their extras, they then add the same amount you paid to them and makes it as if you have taken that money from their card. Any one with such a problem out their or is it just my partner?

who is the mummy now halifax? they have just settled my full claim of £615 and that has payed off their credit card and if possible i don't want to see another card again now i'm working on my hubbies current account they seem to be dragging themselves, but iain't giving up!

i received aletter from Halifax offering me £62.50 representing half the amount applied to my account from may 2005- may 2006. I find this a joke as i've been with Halifax since may 2001 and they owe me £615 not including interest. Can anyone help with a more than pretty reply to them telling them i need the full amount from the time they gave me the credit card? Any templates?

I received a letter from halifax yesterday after writing in on 21st may and claiming back what is mine,what should i do now ? wait for their nxt step as they have just confirmed to have received the letter?