Thread: NCF355 v CitiCards

Hi all,

well I've started the ball rolling

Wrote with my SAR - (Subject access request) letter to Citi Cards (C1 and Citi - two accounts - mine and mrs ncf) just before I went on holiday (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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Good luck i've just been offered half back so they are going to pay up.Let us know how you get on.

Well,

had the copy statements through.

Charges =

Me - £490
Mrs NCF - £100


Lovely!

Now for the next step

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

lba is currently winging its way to them

Still awaiting reply to my prelim

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 lba to the lovely people at Citi

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

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!

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.

I am watching your posts with interest 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 UTCCR against them??? Good luck keep us posted.

Andy - YHM!


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

sent you a PM let me know what you think

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

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

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.

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

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