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As expected, received the 'please provide proof of id' letter today.
Will be sending them copy of passport, copy of driving licence (photocard) and just incase, a copy of an old Citi Card statement.
I hope they don't turn around and say they wanted the 'paper' driving licence as well because I can't find it. Also the statement dosn't show my address, just the name and account number.
Hi,
Below is an extract from a post by Bankfodder.
If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a county court action under the Data Protection Act.
If the bank does not respond to your 7 day warning then begin your complaint and start your action.
There's also a template for the letter (somewhere) to send to them about Data Protection Act non-compliance - I'll post a link to it once I find it:o
Citi Cards
- S.A.R sent 29/01/07
- Statements received 08/03/07
- First Request sent 12/03/07
- LBA Sent 21/3/07
Bank of Scotland
- S.A.R. sent 27/02/07
- Request for Payment sent 14/05/2007
Received letter this morning saying their £12 charges are fair according to the OFT (although all mine were £25.)
It also says "In over a dozen recent court cases involving Citi, we have successfully argued the fairness of the policy and the fairness of the £12 charges. These claims have been dismissed and the Courts have implicitly held that the policy is fair and the charges reasonable....."
I presume this is a standard letter ?
I'll give them until 19th April (as per my prelim letter) then send the lba. I presume that is right ?
Standard speil. Citi are hardly gong to put anything in their letters which would serve against themselves.
Stick to your time scale and continue with your claim.
Of course they don't point out that the OFT report states that £12 is a figure at which they won't take action.
"We are not suggesting that default fees should be set at £12, and a court will certainly not consider that a default fee is fair just because it is below the threshold"
Citi are stating that their current pre-estimate of a default is £12.88. Are we to believe that if this figure is correct - a bank is willing to lose 88p per default in charging us £12?
I was going to go the MCOL route this week but am not sure whether to waste my money.
I received a letter from Brian Smith a lot of people have, who currently owe Citi (or the debt collection) agency but are claiming back charges.
Despite the fact that you may have paid default fees thorughout the account's life, the fact remains that you owed my client more than you have claimed back at the date of charge off. Earlier repayments do not warrant treating those monies paid as somehow a debt due to you, conveniently ignoring the later debt due to my client. As a result, to 'refund' anything would allow you to profit from your own default. I am therefore unable to agree to refund any such monies. Furthermore, if you have paid any sums on a sold debt to a debt agency, it must be apparent that you have paid a third party and not my client, therefore you have no claim to recover sums paid to a third party from my client. It also go's on about it will be in Salford Court if I pursue.
We had the self same letter last week saying something about us not being able to write our own letter and having to use templates. Mine went to court last week. Please read the defence we got from B.S. yesterday. a lot of 'cut and paste'!
My Claims:
Isle of Man Bank -
WON £3054.79 (settled at court stage)
I see that all of you aretrying to get charges back - I'm trying to get my money credited to me citicard account. I have had three payments that have left my bank and gone throught the clearing system and citicards is telling me they haven't received them and charged me interest and lae payment fees - can anyone please help me to get my money back - this has been going on for years and I am now at my wits end but this is thousands of pounds they have of mine either in interest they have charged me which they shouldn't have or the money they have had from my account.
I see that all of you aretrying to get charges back - I'm trying to get my money credited to me citicard account. I have had three payments that have left my bank and gone throught the clearing system and citicards is telling me they haven't received them and charged me interest and lae payment fees - can anyone please help me to get my money back - this has been going on for years and I am now at my wits end but this is thousands of pounds they have of mine either in interest they have charged me which they shouldn't have or the money they have had from my account.
Sarah, sorry to hear you're in the same state as many of us.
You're best off starting a new post of your own, there's a strict process you need to follow in order to get your charges back. Citicards are probably the most difficult, but nothing is easy in life! We're all here to help!
NatWest - WON! £3350 Paid back Vodafone - Default removed Citicards - Judgement awarded for £1898, default remains though...for now.... Capital One- WON! Settled out of Court £392 + Default Removal!
Lee v Citi Cards
off to Citi Card for a friend.
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Originally Posted by ,hills
