Thread: Q's about partial payments & Defaults on Citi card & Cap 1

Hi there,

I'm new to this forum and hope that you guys will be able to guide me

I've just sent off my S.A.R - (Subject access request) forms to Citi card and Cap 1. But I have a few q's...

Firstly on my Capital 1 account they agreed to settle back in 2004 with a partial payment (although I cant remember or find paperwork relating to it now!). My original credit limit was £200.00 but the balance went up to about £490.00 which I believe was mainly due to charges etc ( but I will not know this for sure until I receive my stmts).

I just wanted to check if the 'partial payment' will make any difference to my claim. As far as I can remember this was dealt with via an outside agency they employed called AIC. Again, does it make any difference to my claim if the debt was sold on?

I've also received defaults on this account and another through Citi card. I understand there is a letter I can send to request info about the original default notice (as I dont have the documentation and don't recall seeing it) and as I understand if they cannot provide it, there have been cases where the defaults have to wiped off credit files. Also as I have sent off my SARs to both companies already should I also send these letters requesting this specific information regarding the defaults or should I wait?

Any help here would be very much appreciated.

Love PatsyTheCat x

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Cumon guys first post and all...

In brief what I wanted to know was:

1) If the debit has been sold on from the original creditor who do I claim the money back from?

2) Should I send the letter requesting info on my default notice or will the S.A.R - (Subject access request) cover this? Its just I don't want to wait 40 days and then find out that the info is not included and I should of requested in specifically?

Any help would be really really appreciated.

Thanks

Hi Patsy,

Its seems a bit slow on here tonight to get answers from the experts so i will try

Question 1 My understanding is if there are questionable charges from the original card issuer and the DCA then S.A.R - (Subject access request) both of them, but if you think the charges are from the card issuer only,just chase them.

Question 2 Again my understanding is that the SAR should contain all data they hold on you, except banks do not seem to understand this, I dont believe it would do your cause any harm to specifically request the information on the DEFAULT, they can not then state they did not know about the Default at a later date

I hope this helps

Regards
Dennis

Thanks Dennis - you're help is very much appreciated.

I'll send out the additional letters tomoro. I'll keep you posted.

Have a nice evening.

Patsy x