Following on after a successful request for PPI refunding from Citi Cards (hello Paralegals ) - http://www.consumeractiongroup.co.uk/forum/showthread.php?433020-Hillards-v-Citi-Cards-(PPI)

They have been kind enough to send me a cheque for the PPI and a large part of that is being reserved for potential court fees as I am now moving on to reclaim charges that they made for 'Late Charges' and 'Overlimit Fee' entries on my account between 2003 and 2006. 32 entries, starting at £20 each time, increasing to £25 each time then down to £12 following the OFT report in April 2006 - https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/284445/oft842.pdf

I have previously made similar claims for charges against other companies and have gone to court when they have told me to 'go away' when asking nicely. I've not had a failure yet, feel free to look at my other threads Part of my POC states "I do not accept that the Office of Fair Trading report of April 2006 deemed £12 to be an acceptable charge, as it clearly did not. Many of the charges being claimed exceed this amount. "

I am at that asking nicely stage and will be sending a letter to Citi to request that they refund the charges they made, totalling £730, with interest. I fully expect them to say 'no, go away', but I have to be seen to be taking the correct steps. If/when they say 'no', or if they do not answer within the time limit they will be given then a letter before action will be sent and if they still refuse then I'm happy to go to court.

£730 plus interest: the interest would be at their own rate of 31.80%, as they applied to the credit card account. This is currently just over £10,000 using a copy of CISheet v101 Obviously, this is not going to be resolved overnight so I've created this thread to keep track of progress, and so that others looking to do similar can see that it can be done, you just have to persevere and let them know that you are prepared to stand up to them.

Nice one go for it

Watching with interest - fear I will need court route for PPI with TFC and an attempt to reclaim hundreds from charges on a LTSB current account.

Citi have sent a standard letter 'sorry you have had to complain... dealing with it... 8 weeks...'

I fully expect that they will refuse point blank and not even make a token gesture.

I am following your thread with interest as I am about to pursue a similar course of action. good luck

As you will be taking this to court, you do not need ot wait the 8 weeks

send a letter before action when YOUR deadline expires ;D

As you will be taking this to court, you do not need ot wait the 8 weeks

 

send a letter before action when YOUR deadline expires ;D

Thank you for the timely reminder

In my letter, dated Dec 20th, I stated quite clearly that they had 14 days, after which I would issue a LBA. Allowing for me not posting it until a day or so after writing, and the holiday post, it's about time for that LBA ;-) I've just written it and will post it in the morning.