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

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

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

I sent my SAR 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?

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

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:x

LBA is currently winging its way to them:D

Still awaiting reply to my prelim:x

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:D )

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

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 [email protected]

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.

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

Nicola

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.

Nope,

had a letter from Claire Morrison saying they acknowledge my letter in response to their offer of £156 (I was actually offered £251 by Brian Smith - they cant even get that right! )

Re iterated how they will get the court to allow them to trial in Salford as it was the defendants right:-x

So I wrote giving them a further 7 days to settle before I raise the claim and also stated how I find it somwhat unlikely a judge would make the location in their favour due to me being an individual and them being a multi national with massive resources available

I'll be posting this 1st class recorded Tuesday AM so if I dont have the full refund by the following wednesday its MCOL here I come:cool:

Update:

Well, I have had Citi's defence through for mrs ncf's case

They have now credited the difference between £12 and what they charged to her account, considering they flatly refused to issue ANY refund in their letter prior to the court action I'm sure that will go down well with the judge

Despite the fact they have received 2 copies of the charges list they state in the defence that we have no provided a true breakdown of the costs!

'The defendant avers that the Particulars of claim do not particularise either the amount of the claim or the dates upon which the amounts claimed arose and puts the claimant to strict proof of the amount of her claim'

(after this,in the next para they state the amount charged was £100 which is the same as in my claim so theyve already answered what they wanted us to prove!)

As expected Northampton have transferred the case to MY local court (take note people that are afraid of Mr Smiths threat to get it sent to Salford - this will NEVER happen - unless YOU happen to live in Salford)

So Citi's solictors will get a nice little daytrip to the seaside (which of course they wont because they wont go to court)

So now I just have to sort out the AQ

I had a defence from them today too

Hi Giz,

I notice your from my neck of the woods!

Hi Giz,

 

I notice your from my neck of the woods!

 

Hi could be useful if we end up in court!