Patricia Pearl - Small Claims Procedure - A Practical Guide


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Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

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BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

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  1. 4th May 2009 16:08 #1
    hypern12 hypern12 is offline
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    Unhappy Reclaiming Charges & Cca ?

    Am in the process of claiming back charges made by Citi cards over the last 6 yearsicon. Would it be cheeky to CCA them as well ?

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  2. 4th May 2009 17:12 #2
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    Default Re: Reclaiming Charges & Cca ?

    Not at all.

    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.
    Please include a link to the post you want me to look at. If you have received a defence, contact me.
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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  3. 4th May 2009 17:31 #3
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    Default Re: Reclaiming Charges & Cca ?

    Quote Originally Posted by BankFodder View Post
    Not at all.
    Would not like to upset them. ha ha

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  4. 4th May 2009 17:46 #4
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    Default Re: Reclaiming Charges & Cca ?

    They probably wont be too suprised anyway-most of the Citi claimants on CAGicon have requested it.

    If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
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  5. 4th May 2009 17:52 #5
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    Default Re: Reclaiming Charges & Cca ?

    Quote Originally Posted by MARTIN3030 View Post
    They probably wont be too suprised anyway-most of the Citi claimants on CAGicon have requested it.
    Started claiming the charges before i knew about this forum used the template letters from GMTV site.
    They knocked back my claim so sent the threat of court action will see what happens !

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  6. 5th May 2009 08:47 #6
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    Default Re: Reclaiming Charges & Cca ?

    They'll likely defend it all the way - most likely instructions from HQ in the USA.

    However we've had many successes, Citi being most reluctant to back up the conflicting cost pre-estimates with proper figures when orderred to by courts.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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  7. 5th May 2009 10:41 #7
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    Default Re: Reclaiming Charges & Cca ?

    Quote Originally Posted by Enron View Post
    They'll likely defend it all the way - most likely instructions from HQ in the USA.

    However we've had many successes, Citi being most reluctant to back up the conflicting cost pre-estimates with proper figures when orderred to by courts.
    Thanks Will let you know when i recieve response

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  8. 5th May 2009 16:27 #8
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    Default Re: Reclaiming Charges & Cca ?

    CCA on its way

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  9. 11th May 2009 10:54 #9
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    Default Re: Reclaiming Charges & Cca ?

    Seem to have upset Citi cards they are chasing up arrears on account.

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  10. 21st May 2009 18:22 #10
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    Default Re: Reclaiming Charges & Cca ?

    16 days since CCA sent to Citi cards.
    No answer of any kind what should i do now ?

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  11. 21st May 2009 18:55 #11
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    Default Re: Reclaiming Charges & Cca ?

    They will likely follow normal procedure in this instance, ignore the customer and continue to operate the account as normal despite not being legally entitled.

    This could impact on your credit file as obviously they will place late payment markers and a default against your credit file...... however if you are ok with that, the law is on your side, wait for their response.

    I'd be tempted to chase up the copy of your executed agreement in writing, if you hear anything let me know as there should be an ever increasing pile of complaints that the OFT have... which could come into action when Citi begin to commence the process of renewing their credit license later this year.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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  12. 21st May 2009 19:27 #12
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    Default Re: Reclaiming Charges & Cca ?

    They have already placed late payment markers on my credit file not really concerned over that. Should i just resend the original cca request or another type of letter ?

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  13. 21st May 2009 19:44 #13
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    Default Re: Reclaiming Charges & Cca ?

    Send a non compliance letter-theres one in the CAGicon library.
    You should not need to resend a further request,and nor should you do so.

    If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
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  14. 21st May 2009 19:47 #14
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    Default Re: Reclaiming Charges & Cca ?

    Thanks Martin3030 will do

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  15. 21st May 2009 20:01 #15
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    Default Re: Reclaiming Charges & Cca ?

    Following my claim for repayment of charges off Citi cards they have not answered my letter dated 3rd May 2009 where i threatened court action if they did not refund the said charges.
    I asked for a full response within 14 days and am still waiting. !
    What should i do next. ?

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  16. 22nd May 2009 01:09 #16
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    Default Re: Reclaiming Charges & Cca ?

    Quote Originally Posted by hypern12 View Post
    Following my claim for repayment of charges off Citi cards they have not answered my letter dated 3rd May 2009 where i threatened court action if they did not refund the said charges.
    I asked for a full response within 14 days and am still waiting. !
    What should i do next. ?
    If they havent responded then you'll need to issue a court claim to get the charges back.

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  17. 22nd May 2009 20:45 #17
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    Default Re: Reclaiming Charges & Cca ?

    Got a response from Citi cards today they have offered me the difference between the current £12 charge and the past charges of £20 & £25 that have been applied to the account without admitting any liability. !
    Some of these higher charges go back 6 yearsicon and they have not even added any interesticon in their offer.
    They also state that if the account is left active i agree to them adding further charges of £12 that will not be refundable.
    They enclose an agreement for me to sign return to accept their offer in a Full and finalicon settlement of my complaint.
    Any thoughts ?

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  18. 23rd May 2009 10:43 #18
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    Default Re: Reclaiming Charges & Cca ?

    Not sure if i should accept the offer if it means i agree to all their charges in the future. !

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  19. 23rd May 2009 15:36 #19
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    Default Re: Reclaiming Charges & Cca ?

    Standard offer, I personally would refuse, but be prepared to have to go all the way to court - as they will defend.

    That said we do know alot of their weaknesses.

    Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.
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  20. 11th June 2009 16:35 #20
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    Default Re: Reclaiming Charges & Cca ?

    Have had to send another cca request the Post Office lost the original one even though it was sent to be signed for. Oh well

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