Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    NCF355 v CitiCards

    Hi all,

    well I've started the ball rolling

    Wrote with my SARicon - (Subject access requesticon) letter to Citi Cards (C1 and Citi - two accounts - mine and mrs ncf) just before I went on holidayicon (just over a week ago - 29/06) and have had the following response:

    Citi - 'Fill out enclosed form and provide ID' (duly done)

    So it's started (I have many,many others to pursue but going for these first as they have smaller current balances - safety measure in case they start closing accounts on me! )

    I'll keep you all posted

    Thanks to everyone here for a great site

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    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  2. #2
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    Default Re: NCF355 v CitiCards

    all the best-I'm at the legal action taken stage...


  3. #3
    Basic Account Holder andyace Novitiate

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    Default Re: NCF355 v CitiCards

    Good luck i've just been offered half back so they are going to pay up.Let us know how you get on.

    cheers
    andyace


    citicards= £650/settled £650
    Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36
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    Default Re: NCF355 v CitiCards

    I sent my SARicon on the 30th June, just got a recorded delivery letter asking for ID etc. Better send that of today.

    Good luck with you claim?

    How long are we talking before the claim is resolved? Does anyone have a rought idea?


  5. #5
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    Default Re: NCF355 v CitiCards

    the last possible moment that CITI can milk it for seems to be the consensus Paul.


  6. #6
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    Talking Re: NCF355 v CitiCards

    Well,

    had the copy statements through.

    Charges =

    Me - £490
    Mrs NCF - £100


    Lovely!

    Now for the next step

    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  7. #7
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    Default Re: NCF355 v CitiCards

    Update:

    reply to Mrs NCF's prelim : 'i appreciate this is not the result you would have hoped for,bla,bla' received 26/07 having sent prelim 22/7

    lbaicon is currently winging its way to them

    Still awaiting reply to my prelim

    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  8. #8
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    Angry Re: NCF355 v CitiCards

    Well,

    no reply to my prelim letter (though as you will se above we had the standard foxtrot oscar reply to mrs ncf's that was sent at the same time!)

    So I have just sent off my lbaicon to the lovely people at Citi

    Also just found out I can send recorded mail from work, so thats handy!



    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  9. #9
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    Angry Re: NCF355 v CitiCards

    Hi all,

    just had a letter from 'Brian Smith: Solicitor' (who aks on behalf of CitiFinancial, and they have such a close relationship he uses their headed paper rather than that of a solictor practice)

    He kindly pointed out that Citi have in fact charged me £515, not the £490 I calculated (earning his crust well then )

    Then he goes on to offer me the diff between what I was charged and £12 charges (how kind)

    Also says the case will be 'vigorously defended' if I proceed and they will press for the case to be heard in Salford (surprise!)


    They state they are refunding the partial £251 to my account


    So, how do I go about saying to him I'm not accepting?


    Cheers all!

    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  10. #10
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    Default Re: NCF355 v CitiCards

    I can send you a copy of the letter I wrote if you like,it worked for me. You could adapt it for your situation.

    cheers
    andyace


    citicards= £650/settled £650
    Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36
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    Default Re: NCF355 v CitiCards

    I am watching your posts with interesticon as I am about to start money claim and I am considering including cash advance handling fees as well as I think I can use the 1999 UTCCRicon against them??? Good luck keep us posted.

    First Direct - Settled in full
    Lloyds TSB - AQ completed Central London CC
    RBS - Settled in full
    Morgan Stanley - Settled in full
    Capital One - Settled in full ;-)
    Citi Cards - Transfered to Mercantile Court 19/10/06
    Nationwide - Settled in full 8)
    Capital One Acct 2 - Prelim letter
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  12. #12
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    Default Re: NCF355 v CitiCards

    Andy - YHM!


    CG - Thanks for the wishes, all the best to you 2!

    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  13. #13
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    Default Re: NCF355 v CitiCards

    sent you a PM let me know what you think

    cheers
    andyace


    citicards= £650/settled £650
    Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36
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  14. #14
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    Angry Re: NCF355 v CitiCards

    Well,

    I've written stating I wont accept their paltry offer

    Interestingly they didnt make any such offer to my wife, just telling her (in 'flubber') that she wouldnt be getting a penny

    This really p's me off, if they are going to apply this pathetic 'refund the difference between the £XX and £12' policy then it damn well ought to be across the board

    I believe that this in itself would screw them in court



    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  15. #15
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    Default Re: NCF355 v CitiCards

    Hi I am also at the stage where they have credited mya ccount by the difference of the £25 and the £12 but not surewether to take further or not. Please could you email me a letter that you sent, did you not have to go through moneyclaim or not?

    I am only claiming £600 and have been crdited £302 today

    I thansk you all in advance my email is nicolatkinder@aol.com


  16. #16
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    Re: NCF355 v CitiCards

    MODS: PLEASE EDIT TO REMOVE THE EMAIL ADDRESS!


    Hi,

    I've sent you an email with the details of the letter I sent, for which credit goes to AndyAce

    Dont put your email address in the posts, if you want someone toemail you, PM them and include the email addy in that.

    This is for your own safety as a) the banks are watching and b) your email could be harvested for email marketing !

    Hope the mail helps

    NcF

    omnia praesumuntur legitime facta donec probetur in contrarium


    Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional
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  17. #17
    Basic Account Holder andyace Novitiate

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    Default Re: NCF355 v CitiCards

    I forgot to say check your balance in a few days because they credited the money to my account without notice, no letter explaining why. So you might have the money without knowing it. They even sent me a cheque for the 46 pence I was in credit!
    CitiCard actually giving me money, thats something you don't see every day.

    cheers
    andyace


    citicards= £650/settled £650
    Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36
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  18. #18
    Basic Account Holder BABYHOLLIE Novitiate

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    Default Re: NCF355 v CitiCards

    oh did you send the letter and get a 'full' refund paid or credited onto your citi card balanace?


    Nicola


  19. #19
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    Default Re: NCF355 v CitiCards

    Hi ncf355,

    Have you had a reply from Brian Smith???
    I got a really snotty response from. Have a look at Citi’s Threat.

    Best of Luck with your claim,

    Hondamad

    __________________
    EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts
    Monument CC: received statements, now need to send letters. . . !
    BoS Current Account: Settled
    Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!


    This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales

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  20. #20
    Basic Account Holder andyace Novitiate

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    Default Re: NCF355 v CitiCards

    Any result on this one lets hope its a success story.

    cheers
    andyace


    citicards= £650/settled £650
    Alliance and Leicester= £1534/request for payment sent/LBA sent/standard refusal/moneyclaimsent/settled £2003.36
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