MEGAN v CITICARDS***WON***

[megan34]

Just started my own thread Gizmo and thanks or those words of comfort ! some days i feel like giving up when I read some stories but then I read some of the stories in this forum and Im gonna go all the way on my claims!

 

claiming back ;

 

Capital one - £1622.66p - WON!!

Capital one - £632.69p - mcol - they have acknowledged

Capital one - £ 353.15p - mcol - they have acknowledged

Citicards - £ 790.00p - LBA sent & faxed yesterday

Citicards £941.56 submitted to mcol on 17th May

Studio Cards - £422.44p

............................................

Barclaycard £……..? - still waiting for statements - they envisage this being done by June 8th! - they are very busy .

[ingleby]

HI Megan, im at the same stage as you with citi cards and from what ive been reading im going to have to get ready for court and im going to prepare for this now. I dont have my court date yet and it will probably be in 6 weeks or more but there is no time like the present.

[megan34]

Are these people for real??:o

I cleared my CITI-CARDS account February2007. For some strange reason my account appeared to be £1.24p in credit on my May statement so I rang and asked them whyt he account was still open after I had paid it off. They said they cant close it whilst it is in credit so they said they would send me a cheque and close it. They did this last week. I also asked them last week about PPI charges on my account over the last 6 years as I couldnt remember signing anything for them. Today i came in from work to this letter:

 

Further to your requestI am writing to confirm that your cardholder repayment protection insurance has now been cancelled -

with immeditate effect. ( now heres the really funny part....) Please note a final charge will be applied to your account to pay for the cover you have received since your last statement. ( on a closed account?) After this charge , no further premiums will be taken ( gee thats real nice of you:) ) .................

 

So let me get this straight...... I pay the card off in early February, the balancie is nil. I ask them to close the account, they dont but they credit it £1.24p. Then when I ask again to close it they send me a cheque for the £1.24p then when I ask about previous PPI charges over the last few years ( even though there is non taken between february and may) they suddenly tell me they will applay a final charge and cancel the policy:o

 

anyone understand this?

[elsinore]

 

anyone understand this?

 

 

Even Deep Thought, the computer charged with calculating the answer to the Ultimate Queation of Life, the Universe and Everything, was flummoxed by Citi’s thinking.

 

Els

[Curlyben]

Yep least Deep Thought could calculte the ingredients of Christmas Pudding before it was even turned on

Now I wonder if Citi have to remember to breath and blink.

ALLEDGEDLY

[megan34]

do you think they will apply 'charges' to my unpaid 'charges' on my closed account?

[Curlyben]

Surely you mean fees for charging your closed account to facilitate their bottom line expansion.

[megan34]

thats exactly what i meant to say:)

[elsinore]

You're getting it, megan!

 

Els

[megan34]

seems no matter what I write and ask them - I get the same 'standard ' reply back - I already have 3 letters 'identical' from them in the past 2 weeks! - 3 different requests and 3 same answers!

[megan34]

Letter from capital one today - cheque will be in post in next 14 days!! now to concentrate on CITI-CARDS - feeling more confident now - so Bring it on !!!!!

[ajjars]

Hi Megan,

 

My other half paid off and closed his Citi card around 3 years ago. We discovered there was a default on his account a few years later relating to this account. Turns out they added payment protection to the account 5 months after it was closed. We never received statements after it was paid off so we were unaware of this at the time. Wrote to them recently after getting compliance of the sar and to cut a long story short, after telling us to pay the £23 default and that they would mark it as satisfied (yeah right!) they have now agreed to remove the default.

 

We will now be going for compensation relating to this default that was wrongly placed on his credit file, as well as all the charges. (Will start a thread when we start the campaign!). But it just goes to show what sort of things they get up to. Without this site, how many of us would have known our rights? How many more people will soon find out that they have been charged for things they shouldn't have been - or worse, like us find out they have a default??

 

Citi are in for a rough ride soon I feel!!

 

Good luck to everyone! Ajjars

[megan34]

dead right! - without this site and a few others I would be non e the wiser infact I would have carried on thinking it was my fault i was behind with payments and the charges were lawful! - and youre right - once you start looking into things - youre worth a small fortune!! - I wouldnt have thought about people like'studio card's - I had paid them off months ago buit after seeing on here that you can claim administration charges from catalogues etc - I asked for my statements and it turns out theyve taken nearly £400.00 off me in admin charges and another £200.00 in PPI charges - so Im trying to get that back aswell.

The moral seems to be - dont get disheartened - what have you to lose? go for it!

[ingleby]

Hey megan, hows the claim going ?

[megan34]

Claiming back:

Capital one - £1622.66p – settled in full

Capital one - £632.69p – settled in full

Capital one - £ 353.15p – settled in full

Citicards - £ 790.00p – LBA Stage

Citicards £941.56? – asked for judgement

Barclaycard –awaiting SAR

Studiocards £422.44p – settled in full

Lloyds - £35 – settled in full + ex gratia payment of £25

Halifax bank account - £39

Halifax visa – awaiting SAR

Claiming back = £4861.5

Settled so far -= £3090.94

......................................

 

 

Hi Ingleby - as you can see from aboe not too badly!

[megan34]

If I entered judgement on June 6th through mcol - how long do I have to wait to see if they send me a cheque before I take furthe raction - and how do I take further action?

[megan34]

Claiming back:

Capital one - £1622.66p – settled in full

Capital one - £632.69p – settled in full

Capital one - £ 353.15p – settled in full

Citicards - £ 790.00p – MCOL - 15th June

Citicards £941.56? – asked for judgement - CITI REQUESTED A SET ASIDE.

Barclaycard –awaiting S.A.R - (Subject Access Request)

Studiocards £422.44p – settled in full

Lloyds - £35 – settled in full + ex gratia payment of £25

Halifax bank account - £39

Halifax visa – awaiting S.A.R - (Subject Access Request)

 

Claiming back = £4861.5

Settled so far -= £3090.94

 

 

 

UPDATE........#

 

Too late to take a warrant out now because this morning I received a notice fromt he court that CITI have applied for a 'set aside' on the grounds that....yes youve guessed it folks...they didnt receive the original claim form strange that...cos its the address ive used ll the time and ive had loads of replies from it hmnn.....( I really think we should get a list of how many times they say they dont receive the claim forms - and use it in our court claims - surely even the courts could see this cant be true) anyway - they site potter v citifinancial europe plc heard before judge Hovington on June 6th at salford court.case number: 6QZ39123. The case is complicated and its quite obvious that the claimant didnt prepare properly,there was no list of charges and dates from him and no-one knew how the interest had been calculated as the claimant didnt turn up at court. He had already accepted a payment from citi in august 2006 for £377 - this being the difference between the £25 charge and the £12.88p charge. The claimant didnt even submit a copy of his statements that would have shown the charges and dates,after reading it im not surprised Citi won.

In my case Citi elected for it to be heard by 'telephone conference' and 30 mins for the hearing. Can I object to the telephone hearing ? bring it on!! - my first case!! im getting quite excited at the thought now:-D

[elsinore]

Telephone hearings

 

Applications in respect of hearings not to be conducted by telephone conference

 

Parties may make applications under the practice direction for a hearing not to be conducted by telephone. If they do:

• It must be made at least 7 days before the hearing: and
  
• It may be made by letter.

Such applications will be determined by the court without the need of the parties to attend court for a hearing. The usual application fee will apply.

 

Els

[megan34]

Is it wiser to allow the telephone hearing ? and if not are there Any template letters on this site that I can use to ask that it is disallowed?

advice greatley appreciated.

[elsinore]

Have Citi requested a telephone hearing for the set-aside application, or for the main hearing?

 

I think the concept of telephone hearings is quite new and relatively untried. I suspect that, if one of the parties objects, the judge would be inclined to disallow it. Perhaps a good read of CPR Practice Direction 23 might reveal something. In my own case, I would prefer to see the whites of their eyes!

 

Hopefully, there will be somebody with more experience/knowledge of this to assist you.

 

Els

[Enron]

Pretty sure from memory you can just object which should be enough.

 

As both parties have to agree for it to go ahead.

[megan34]

I havent received a court date for my local court yet - this says an application to set aside jusgement have been filed. There is a letter from their solicitor - David Travis saying that he encloses an application for the default judgement of 6th june to be set aside. - and a fee for £65 paid by them. Theres nothing that requires me to write back - so I presume I just wait for soemthing from my local court? or do I say now that I dont want a hearing by telephone? before I get my papers?

I still think that getting a list of all those who have been told citi didnt receive the original claim should be made so that it can be printed off and shown in court - they cant get away with this all the time surely? .

[elsinore]

I still think that getting a list of all those who have been told citi didnt receive the original claim should be made so that it can be printed off and shown in court - they cant get away with this all the time surely? .

 

Great idea. Why not start a thread asking for such information. Maybe Martin will make it a sticky.

 

I'd be inclined to get in first with your objection, but a quick call to the court should remove any doubts about the procedure

 

Els

[megan34]

Ive written to the court to say that I dont want a telephone hearing and went to post it - then when I got home the papers were here from the court - date for hearing is in September! - theyre only making it worse for themselves really cos the interest is growing by the day:)

[megan34]

Ive written to the court to say that I dont want a telephone hearing and went to post it - then when I got home the papers were here from the court - date for hearing is in September! - theyre only making it worse for themselves really cos the interest is growing by the day:)

Do I now just wait to hear something from the court - I havent been told to fill anything in - is that not necessary for a set aside hearing? Do I just turn up onthe day ?advice please.