Thread: Citicard cancel card and still add interest and charges

OK, Citi being their normal self.

What I would suggest doing is paying the minimum balance not to damage your credit file any further.

At present the OFT vs Banks case is under appeal, its likely that the banks will try and drag this out as much as possible.

I would suggest lodging a complaint with the fos, though they'll take about 6 months to get around to dealing with it, either that or submitting a county court claim with the correction to your credit file as an added part (though its likely it will get stayed).

Basically Citi will not pay you one penny if they can get away with it.

Thanks for the reply Enron. I understand why you say to pay the minimum, when I have filed my complaint with the fos should they continue to charge interest and add charges.I know Citi think they are a law unto themselves so i guess they will do what ever they want whenever they want.The thing that gets me is they decided not to renew my card when it expired. So they made the choice to end the agreement, (for the last couple of years I have made payments on time and have been a good cutomer) how can they carry on adding fees and interest.Want their cake and eat it too. times must be hard for them
ps. how can I make paragraphs, also wont let me use smilies

Think they are legally allowed to add interest until they terminate an account.

That said the moral right to do this is very questionable when a balance consists the majority of penalty charges or all of penalty charges.

Thank again Enron. It is so frustrating. My view is they have terminated the account by not renewing my card.Going to sent complaint to fos

Update

I sent my complaint to fos and Citi have paid back all charges plus 8% interest.

The complaint through the FOS only took approx 4 weeks. Then another 4 for Citi to pay up.

Funny thing is they added 2 more charges because they took so long to pay up so I phoned them and asked if they would refund them or should I start another complaint with the FOS, the guy said "I will ask my boss" and came back and said "I have refunded them they will show on your next statement"

Thats it now, my affair with Citi is over, well I don't owe them anything else.

Now they owe me the cardholders protection they have been adding. I sent a SAR to them they have failed to comply so I have reported them to ICO. I am going to put a complaint to the FOS for refund of the cardholder protection. (hopefully they will be just as helpful)

Thanks to everyone for your help

I cant believe this isn't over yet.

As I said earlier Citi refunded my charges which almost cleared my balance. I recieved my monthly statement and paid the remaining amount the following month I received another statement with a balance of £1 so I thought this maybe interest and paid the pound and thought that would be the last of it but noooooooo I recieved another statement the other day with interest again of £1.

I have tried phoning them but everytime we get cut off so I have given up phoning them.

I am not going to pay another £1 interest on a zero balance, they can go whistle for it.

I still have a claim to make with regards to PPI but I was going to make sure my balance was cleared before i started that one.

Here's the response from TS!!!

Seems like a pointless exercise, what do TS actually do?

Thank you for your enquiry to Consumer Direct dated 18th August. Your reference number for this case is XXXXXXXXX and should be quoted in all further correspondence regarding this case.
In reference to your enquiry, as this dispute is of a financial nature, Consumer Direct are only able to offer limited advice.
We would generally advise that if you have a complaint with a financial company, you should follow their complaints procedure. This usually will require you write to them. Should this course of action not work, you would need to approach the Financial Ombudsman. They can get involved in disputes between consumer and financial organisations. Their website is www.financial-ombudsman.org.uk.
I trust the above information is of some assistance to you. If you require any further information or clarification on this case please do not hesitate to contact Consumer Direct quoting your above reference number on Tel No: 08454 04 05 06 our offices are opened Monday to Friday 8am - 6.30pm and Saturday 9am - 1pm. If this is not convenient please feel free to contact me at the email address below.

Another update and hopefully conclusion.

I sent a letter first asking why they keep charging me £1 each month for no service and second requesting CRP refund. They sent letter back saying they would refund the £1s they had charged and they would close my account. as for the CRP they replied saying they wouldn't refund as I had ask for it. I sent letter back saying prove it they sent a letter saying they would refund all payments made.:grin:

Just waiting for the cheque and then that the end of me and Citi forever:grin::grin::grin:

Totally agree with you Enron. Citi are a nasty lot and I will be staying well clear from now on.

I'm always around to offer any help or support. So I will keep looking in.

Many thanks for your help, you are a star.

Well they didn't waste any time. Received the cheque this morning.

Me and Citi................DONE! !!