One other thing to point out, this card was originally taken out at my scottish address (i still own the property and travel between the two) however they have sent the info to my english address.

could this qualify for SB?

Thanks

fm

Do you think this is possible:-

My actual last payment was the 5.11.2009 and because this was taken out in Scotland and I still own that property that Drydens are now involved? this would take it to 5 years.

NO WAY would I have given them a debit card payment over the phone for anything because they could continue to take payments etc.

then you need to await the sar returm.

as its looking they have all they need to push this.

where are you on voters registered?

dx

I understand on my credit file I am registered in Scotland and England, i recently updated it to just England.. so maybe England only now

I will get the SAR posted tomorrow to Citi - what do I do with Cabot now? They say I have 14 days to pay them the £2,233.47.

Closing balance was either the £1,743.89 or the £1,591.82 (Non Flex Payments Balance) 11th October 2011.

Would it be easier to make a full and final offer to Cabot? are the charges and interest enforceable.

Thanks,

penalty charges no!!

£12 fees

you need the statements

dx

Hi dx,

They sent some statements

£12 late payment fee

£12 over limit fee

Interest charge £34+

I don't know what the charges are for Cabot, they sent an excel screen dump showing a monthly interest charge circa £17.77 from the 03.10/2010 to the 03/01/2013

Thanks,

you cant reclaim interest

if the account was terminated by CITI

they cant charge it [cabot]

dx

Interesting.....

I never got a reply to my SAR from Citi, so I am sending another today.

Cabot wrote to me today almost 18 months after my last letter to them requesting the CCA "unfortunately wer're still waiting for CitiFinancial to provide the requested information"

I am pretty sure this is SB and it drops of my credit file in 2 months.

Cheers,

Flappy

Evening all,

CitiBank wrote to me today to say that the details they have on file don't match what I have given them.

They say they require certain information at my current address, bank statements etc... I actually sent them my Council Tax Bill, anyway I replied today with the Council Tax Bill again, plus mortgage statement etc.

I think they are stalling?

Sorry for the useless post, but if anything it may help someone regarding Citi and paperwork

Cheers,

Flappy