Jump to content


  • Tweets

  • Posts

    • Sec127 (3) repealed, now gone. S. 127(3)-(5) repealed (6.4.2007) by Consumer Credit Act 2006 (c. 14), ss. {15}, 70, 71(2), {Sch. 4} (with Sch. 3 para. 11); S.I. 2007/123, art. 3(2), Sch. 2
    • We used to recommend that people accept mediation but our advice has changed. The mediation process is unclear. Before you can embark on it you have to agree that you are prepared to enter a compromise – and that means that you agree that you are prepared to give up some of your rights even though you are completely in the right and you are entitled to hundred percent of your money and even though EVRi are simply trying to obstruct you in order to discourage you and also to put others who might want to follow your example off from claiming and even though they have a legitimate basis for reimbursement. Mediation is not transparent. In addition to having to sign up that you are prepared to give up some of your rights, you will also have to agree not to reveal any details of the mediation – including the result of the mediation – so that the whole thing is kept secret. This is not open justice. Mediation has nothing to do with justice. The only way of getting justice is to make sure that this matter goes to trial unless EVRi or the other parcel delivery companies put their hands up and accept the responsibility even if they do it is a gesture of goodwill. Going to trial and winning at trial produces a judgement which we can then add to our small collection to assist other people who are in a similar boat. EVRi had been leading you around by the nose since at least January – and probably last year as well – and their whole purpose is simply to drag it out, to place obstacles in your way, to deter other people, and to make you wish that you'd never started the process and that you are prepared to give up your 300 quid. You shouldn't stand for it. You should take control. EVRi would prefer that you went to mediation and if nothing else that is one excellent reason why you should decline mediation and go to court. If it's good for them it's bad for you. On mediation form, you should sign that you are not prepared to compromise and that you are not prepared to keep the result secret but that you want to share the results with other people in similar circumstances. This means that the mediation won't go ahead. It will take slightly longer and you will have to pay a court fee but you will get that back when you win and you will have much greater satisfaction. Also, once you go the whole process, you will learn even more about bringing a small claim in the County Court so that if this kind of thing happens again you will know what to do and you will go ahead without any hesitation. Finally, if you call EVRi's bluff and refuse mediation and go to trial, there is a chance – maybe not a big chance – but there is a chance that they will agree to pay out your claim before trial simply in order to avoid a judgement. Another judgement against them will simply hurt the position even more and they really don't want this. 300 quid plus your costs is peanuts to them. They don't care about it. They will set it off against tax so the taxpayer will make their contribution. It's all about maintaining their business model of not being liable for anything, and limiting or excluding liability contrary to section 57 and section 72 of the consumer rights act.     And incidentally, there is a myth that if you refuse mediation that somehow it will go against you and the judge will take a dim view and be critical of you. This is precisely a myth. It's not true. It would be highly improper if any judge decided the case against you on anything other than the facts and the law of the case. So don't worry about that. The downside of declining mediation is that your case will take slightly longer. The upside is that if you win you will get all your money and you will have a judgement in your favour which will help others. The chances of you winning in this case are better than 95% and of course you would then receive 100% of your claim plus costs
    • Nice to hear a positive story about a company on this form for a change. Thank you
    • too true HB, but those two I referred for starters - appear to be self admitted - One to excuse other lockdown law breaking, by claiming his estate away from his consistency and London abode was his main home the other if he claims to have 'not told the truth' in his own words via that quote - to have mislead his investors rather than broken lobbying rules   - seem to be slam dunks - pick which was your law breaking - it seems to be both and much more besides in Jenricks case Starmer was director of public prosecutions yet the tories are using seemingly baseless allegations for propaganda and starmer is missing pressing apparent blatant criminality in politics
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Citi accident cash plan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3460 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Can anyone help me make a claim for PPI or do they like to call it CRP

 

on a old ex Associates Citi card account

 

whats the best thing to do where to start

 

any help would be great

 

i no longer have the account, got rid of the card, shredded the statements

 

but have the 17 digit number

 

i'm even confused about the 17 digit number do i miss the last digit off ?

 

Jay

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

Can anyone help me make a claim for PPI or do they like to call it CRP

 

on a old ex Associates Citi card account

 

whats the best thing to do where to start

 

any help would be great

 

i no longer have the account, got rid of the card, shredded the statements

 

but have the 17 digit number

 

i'm even confused about the 17 digit number do i miss the last digit off ?

 

Jay

 

 

A good start would be a SAR to Citi to get all the data, there is a £10 statutory fee for this and Citi have 40 days to comply (use a blank Postal order, marked " for statutory fee only".

 

 

Use the template from the CAG library, quote the account/card number you have, your full name and address and any previous addresses, a copy of a utility bill showing your name and current address can be sent as further proof of ID.

 

 

Address the SAR to the data controller at Citi, use signed for post and check delivery date the 40 days starts then.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thanks

 

might sound silly never bought a postal order before where do i mark it ? on the back and should i put my account number and name on the p.o

 

also do i have correct address for sar

 

Data Request Team

Citi

Riverside Road

Pride Park

Derby

DE99 3GG

 

i found this via this forum for ex citi cards

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

Thanks

 

might sound silly never bought a postal order before where do i mark it ? on the back and should i put my account number and name on the p.o

 

also do i have correct address for sar

 

Data Request Team

Citi

Riverside Road

Pride Park

Derby

DE99 3GG

 

i found this via this forum for ex citi cards

 

 

leave Payee blank.

 

 

Write " for statutory fee only" along the top edge back/front or both.

 

 

Nothing else is necessary.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Ok i shall do that today

 

if anyone can confirm the address that would be a great help

 

and if anyone has any info on how to make a claim for the ppi or crp with citi that would be a great help too

 

as i know i had it with the Associates who then became citi

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

Ok i shall do that today

 

if anyone can confirm the address that would be a great help

 

and if anyone has any info on how to make a claim for the ppi or crp with citi that would be a great help too

 

as i know i had it with the Associates who then became citi

 

 

The address is still current as far as I am aware.

 

 

Get the SAR data and then come back there's people on the forums very experienced with PPI reclaims.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

be prepared for a very long fight over this, took me 2 years and in the end a very strongly worded personal complaint to citi europe chief

exec settled the matter. Citi will most likely give you the run around and send your complaint to Opus(who you will probably never have heard of:???:)

 

who will come up with any excuse, as due to age of the card the fos wont help.

 

The underwriters were Cumberland Life for Associates Cards

 

what are youre reasons for the mis-sale?

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Just get the SAR off asap.

I've dealt with a number of Citi ex associates problems and they have been resolved in a reasonable time frame.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

No Problems

 

Sent, took scans of postal order and receipt

 

and sent 1st class recorded and even put all my stuff in a folder on my pc and usb

 

bring it on

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

No Problems

 

Sent, took scans of postal order and receipt

 

and sent 1st class recorded and even put all my stuff in a folder on my pc and usb

 

bring it on

 

 

Excellent jay please keep us up to date on progress.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 3 weeks later...

Update

 

well i messed up a bit

 

provided them with the wrong account number, spotted this mistake myself on the 25th aug when i found a old letter from them

 

anyway i sent them a fresh letter on the 25th basically a fresh SAR with a photocopy of my first sar and postal order the lot that i had sent them

 

gave them the correct details they needed, and asked if they could take it from there.

 

really thought they would say sod off to be honest, but i checked if the postal order had been cashed, which it had not, great

 

And to my surprise i had a letter back dated the 27th Aug from Citi

 

Basically saying no problems

 

We are currently in the process of retrieving the relevant information. This will be sent to you in 40 calendar days.

 

As per your request you can expect to receive the following information:

 

> Your agreement/application form

> Statements

> All correspondence we hold

> The personal details we hold on you

> Account notes

> Complaints information (if applicable)

 

Some of the information you requested falls outside the provisions of the data protection act as

it is not personal data. Therefore we will not be supplying this information within out response to you.

 

Yours Faithfully

Citifinacial Europe plc

 

So besides the last bit all good i would say so far :-o

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

Update

 

well i messed up a bit

 

provided them with the wrong account number, spotted this mistake myself on the 25th aug when i found a old letter from them

 

anyway i sent them a fresh letter on the 25th basically a fresh SAR with a photocopy of my first sar and postal order the lot that i had sent them

 

gave them the correct details they needed, and asked if they could take it from there.

 

really thought they would say sod off to be honest, but i checked if the postal order had been cashed, which it had not, great

 

And to my surprise i had a letter back dated the 27th Aug from Citi

 

Basically saying no problems

 

We are currently in the process of retrieving the relevant information. This will be sent to you in 40 calendar days.

 

As per your request you can expect to receive the following information:

 

> Your agreement/application form

> Statements

> All correspondence we hold

> The personal details we hold on you

> Account notes

> Complaints information (if applicable)

 

Some of the information you requested falls outside the provisions of the data protection act as

it is not personal data. Therefore we will not be supplying this information within out response to you.

 

Yours Faithfully

Citifinacial Europe plc

 

So besides the last bit all good i would say so far :-o

 

 

What else did you request?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hmmm

 

just what's in the sar template letter from the cag letter template

 

so guess they are saying recordings and that sort of stuff

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

Hmmm

 

just what's in the sar template letter from the cag letter template

 

so guess they are saying recordings and that sort of stuff

 

 

Have to wait and see I think.

 

 

There is an anomaly in that letter i.e. the statement that you "can expect to receive the agreement/app form" that is the one thing there is no obligation to send as sections 77/78/79 CCA 1974 deal with the supply of the agreement.

 

 

From what I 've seen just today the use of "templates" for information requests is leaving DCAs/Creditors with opportunities to avoid compliance.

I've said before all the parties are fully aware of all the templates being used and which sites they are taken from, some considerable amount of " Individuality" is needed as complacency and obsession with templates is going to cause more problems as time goes on.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

So your saying not to use the templates recommended by the people on CAG from the CAG templates section ??

 

:???:

 

 

No, I am saying that Templates are not the always the ideal way of communicating!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

So your saying not to use the templates recommended by the people on CAG from the CAG templates section ??

 

:???:

 

You may have noticed cag templates have something along these lines alongside:-

 

template letters are not intended to simply be copied, pasted and sent. You should spend some time to ensure that the wording is appropriate for your needs and amend template letters accordingly.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

Have to wait and see I think.

 

 

There is an anomaly in that letter i.e. the statement that you "can expect to receive the agreement/app form" that is the one thing there is no obligation to send as sections 77/78/79 CCA 1974 deal with the supply of the agreement.

 

 

From what I 've seen just today the use of "templates" for information requests is leaving DCAs/Creditors with opportunities to avoid compliance.

I've said before all the parties are fully aware of all the templates being used and which sites they are taken from, some considerable amount of " Individuality" is needed as complacency and obsession with templates is going to cause more problems as time goes on.

 

I've just checked the sar template and can't see the anomaly you mention.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

You may have noticed cag templates have something along these lines alongside:-

 

template letters are not intended to simply be copied, pasted and sent. You should spend some time to ensure that the wording is appropriate for your needs and amend template letters accordingly.

It seems Caro that templates from here and elsewhere are being treated with some measure of contempt by DCAs/Debt Purchasers/ Creditors, we all know and instantly recognise the DCAs " we might" / "we may"/ "we could" templates that flood out daily.

 

 

The problem is that templates are used indiscriminately and not amended /edited/ personalised in any way thus becoming an ineffective and frustrating medium for dealing with debt problems.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I've just checked the sar template and can't see the anomaly you mention.

It's just another generic "letter" as used by DCAs.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I understand now sorry didn't mean any trouble about templates because to be honest i think they are great

 

now i will use them as a great starting point and use some personal input as well

 

problem with me is, my personal input is normally offensive :lol:

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

  • 3 weeks later...

Got my SAR back from Citi today and i had no CRP

 

But i found i have something called Accident Cash Plan 28/01/04 £7.60 a month till 28/05/04 it went up to £9.35 till 02/05/06 then my account went over its limit, so the plan stopped

 

also spotted on the 23/09/04 card protect £30.00 ???

 

Lots of nice £25.00 card fees that i will be chasing them up for i be thinking as well.

 

But 1 last thing i found while my account was closed and over limit you would not guess this :lol: they put card protection £29.99 and id protection for £59.99

 

I'm sure they would have had to sell me them, can i not have them for that :mad2: they even charged me interest of £1.21

 

They put me more in debt the cheeky monkeys.

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

Worked out the card protect bit

 

got that going all the way back to 2001, so sending of a claim for that tomorrow, pre 2005

Monument --- Settled PBP in full

Citi Cards --- Settled CPP in full

Link to post
Share on other sites

  • 2 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...