Citi Card

**pilgrim1** · 9th August 2008 15:24

Hi All,
I am a newbie here and wondering if anybody can assist me, I had an associates visa card and CITI then rebranded it, I sent a letter to CITI at the end of May regarding the PPI icon

and that I felt I had been missold it.
I recieved a reply dated the 2nd July saying they were looking into it, then I recieved another letter dated the 4th July saying that I had ticked the box on the application form therefore they had not missold it, I remember quite clearly ringing up the old ass office in Chester and asking them what it covered, I was told that it covered me for all illness and injury and would recover the repayments.
I have asked for a copy of the application form, what wories me is that when I telephoned on the 4th July I was told that the card was still active as I had reported it stolen! which was a shock to me as I hadnt and the account hadnt been used for at least four years also the PPI was still active on the account.
Is this a usualk tactic of CITI just to say no and does anybody have any advice regarding the tick in the box issue
many thank

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**Paintball** · 11th August 2008 11:57

Hi Pilgrim

As no-one has replied to your Qs yet, I thought I'd have a bash ... Am not familiar with Citi but this all sounds like shockingly bad practice to me.

The first thing to do is to send a SAR icon

to Citi requesting all the information they hold on your account, in particular, a true copy of the Credit Agreement as signed by you relating to PPI on the visa card, the terms and conditions icon

of the PPI element, transcripts of the sales conversation where you were sold the PPI (they may or may not have this, but you should still ask for it).

How did you report the card stolen? By telephone? Did you receive any paperwork telling you that the card was cancelled? Refer to this in your letter and say that you are extremely concerned that the card is still active four years after you reported it stolen and cancelled it. You may wish to state that you want the card cancelling from the date of receipt of the letter and that you receive an assurance from Citi that this has indeed been done.

If PPI is still being paid on the account after you believed you had cancelled the card, Citi are in some trouble!!

Here is the SAR 1. Data Protection Act, Subject access request letter - List of charges which you will need to modify.

Let us know if you need any help with this.

HTH as your starting point ...

**adamski** · 12th August 2008 11:50

has there been any charges on this account i.e. late payments, overlimit fees etc?.

Maybe also send them this seperately from the SAR icon

with a £1 postal order recorded delivery.

I do not acknowledge ANY debt to your company.

I require you to supply the following documentation before I will correspond further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. (add if applicable)

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