Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB

Is this citifinance the same as Citibank? If so, the details ive found are these https://www.citibank.co.uk/personal/contact-us.do

My partner applied for a vanquis credit card by phone and was accepted. My partner has mental health issues,for which she is in receipt of DLA. She gets anxious and confused talking to strangers on the phone,and wouldn't have understood what was being explained to her in regards of R.O.P To be sure she didn't accept inadvertently any kind of repayment plan ,I got her within days of applying for her card to write to vanquish to state she did not need,want or require any kind of protection. She was still enrolled on to the plan. Vanquis say they never received the letter. The letter was not sent recorded delivery. At the time of applying for the credit card, my partner was already classed as sick/disabled,for which she was in receipt of dla, was in rented accommodation, and was already unemployed. She has not used the r.o.p I have made one contact so far with vanquis regarding reclaiming these payments and was told...no letter was received, the plan was suitable for her even though she was unemployed and already classed as sick/disabled. They said they would now cancel the plan, and as a gesture of goodwill they would refund just the last payment taken from my partner which was for £41.

Three quick questions. 1. Can I reclaim charges for Repayment Option Plan which Vanquis has been charging me for ? 2. When you apply for a credit card over the telephone, the calls are meant to be recorded. How long are companies supposed to hold copies of this call ? 3. If I ask a credit card company for a copy of the original phone recording, can they refuse my request ? Your help and advice would be much appreciated.

I have receieved my dro number, i told someone at Wescot what the number was and then they asked me to photocopy the letter from the insolvency service and send it on to them as proof, i refused to do this...they have made my life hell for months, and im doing no more running around for them or taking any more orders from them. As far as im now concerned they have my dro number so have no further rights to ask me to do anything. They can go to hell.

My application for a D.R.O was approved 2-3 weeks ago but my creditors are not aware of this and im receiving phone calls and letters. I know when a dro has been approved, creditors are not allowed to chase you for the debts. Will the insolvency service inform my creditors about the dro, and if so, how long normally before this happens? How long should i give the creditors to stop contacting me before i inform the insolvency service my creditors are still chasing me for the debt? Any advice would be much appreciated!!!

Ive a feeling that this is some kind of s c a m

Ebay actually told my son that they owe him 11p, Newmans said he owed ebay £75, ive told him your suggestions. Ive also asked him if he can get ebay to send him some kind of confirmation that he owes nothing, and also, if they did or did not get Newmans to contact him in the first place.

My son today recieved a letter from Newman debt collection agency, stating he owed over £70 in unpaid ebay fees. However, my son knows he owes nothing to ebay, and he rang ebay regarding this. Ebay told him he has a good credit status and owes nothing, telling him to ignore any letters he gets from this company.

Before posting my letter i updated it to state, if they continue to instruct solicitors/debt collection agencies or if themselves continue to chase me for a debt i could not possibly owe, that i would seek advice fron the c.a.b. into sueing them for undue stress/harrassment and making false demands for money that i do not owe and can prove.

I have just rang the solicitors asking for them to send me proof that the demand for this outstanding money is for the period i wasnt even living in wales, they said they will post details out to me on monday

The housing association is sending me out a letter today which will show i gave up my tenancy in april 2006 and was not a tenant of theirs during the dates for which the demand for money is being made.

I recieved today, a letter addressed to me, from solicitors acting for welsh water demanding £641-31p for unpaid water/ sewerage charges for an address i previously lived at. Charges are for feb 2007 - jan 2009. However, i didnt even live in wales during this period. I contacted the solicitors and welsh water to be told i had to prove this. The housing assoc is sending me out a letter today which confirms this. I have written to welsh water and stated that if i recieve further demands for money for which i am not liable, i will take further action for stress and harrassment. I left the said address in 2006 and gave a final meter reading which i paid in full. This debt must be for tenants after i left. Am i entitled to take further action if i again recieve a demand for this debt i do not owe? and can prove. Its as good as demanding money by menaces Thanks

Regarding costs for hire car, yes you can claim for this, ive just added to my blog, where finally my problem is resolved after the bailiffs have recovered the £1.148,15p out of pocket expenses for a hire car

Finally had confirmation from the bailiffs that they have now collected all Monies due from the defendants. Its been a long process, but so glad i took this route. I hope in future, anyone who has dealings with Kcarz will be better treated than i was. If they had have refunded me in the first place this action could have been avoided and been over and done with in april 2010, instead, their attitude was "do want you want". They have now had to refund me in full for the faulty and falsely advertised car, which i had scrapped when they wouldnt collect it, also for all out of pocket expenses ( hire car ) and they lost another £75 when they tried to have the judgment set aside and failed, also any costs involving the bailiffs carrying out their job to recover the money. It can take sometime from start to finish, but would advise anyone who knows they have a good case not to be worried or afraid to go to the small claims court to recover their money. I took no legal advice from anywhere, and just went for it, thankfully all turned out good in the END.

So far so good. Bailiffs have been in 3 times so far and collected money. Should have called in yesterday for the last collection, will hear about this in 2-3 days time, so hopefully this is now at an end at long last. The place i bought the car from was Kcarz in Eye, Peterborough. They also sell used cars on Ebay. Ive had a bad experience with them, but im in no way implying you will have the same troubles ive had. I now have another used car, bought at Faenol Garage in Nth Wales and i couldnt be happier with it, or the service ive recieved. I cant commend them highly enough. Great service and great people to deal with.

Bailiffs have made contact with the defendants again, collected some money this week from them but have given them 3wks to pay the outstanding amount. I spoke to the bailiff who said he will be calling on the defendant for the next 3 mondays to recover £300 on each visit. He has told the defendant if he fails on any payments that he will take goods from him and said he has left the defendant under no illusions that this will happen and has told him there is a lot of goods that he can and will take if he defaults. I will still be naming the defendants when all monies have been collected.

Just rang the court to find out the result of the defendants request to have judgment set aside which was heard yesterday. Their request was thrown out and the warrant has been re-issued to the baliffs for them to recover the money.

Well, todays the day the judge will look at the defendants application to have judgment set aside. Im hoping he will throw this out as i think they are just using delaying tactics. I cant attend court, but have sent a letter giving my reasons as to why i object to their request. Ive also sent to the court copies of the letters where i asked the defendant to contact me so they coud arrange to pick up the car, which they didnt do, and a copy of the certificate which shows the car was disposed of. Gotta wait again now to see what the judge decides, will keep you posted.

There is a possibility that royal mail just didn't scan the signature, if that's the case it could have been delivered but unless it is scanned you will keep getting the message Being processed through our network. It's more expensive but if sending urgent docs through the post it is better to send by Special delivery

ive been through the whole process and got money back for the dodgy car, im now trying to get my expenses paid back, i was awarded judgment, but they are asking for judgment to be set aside, good luck with your case

Hers's the latest this is what the defendant has written on form n244 asking for judgment to be set aside " i wish to apply for judgment to be set aside because we disagree the outstanding debt stated on warrant and previous hearing nothing re proceedings" Also they have added this vechicle invoice previous judgment order i will bring document with me to the hearing, we still havent had return of vechicle re judgment. I have sent copies of the 3 letters fao the judge sitting on nov 1st , showing that i was asking the defendant to contact me to make arrangements to collect the car, warning it would otherwise be disposed of, all were sent by recorded delivery to the defendant and all were signed for, they never responded to any of my letters.

Contacted the court today, they said the defendant had put in their application to have the judgment set aside but wouldnt tell me the reasons, said i would recieve a letter shortly with a copy of the application attatched, but did tell me a hearing date to look at the application had been set for nov 1st 2010, so another 6 weeks hanging around. Will update when i get the letter, letting you's know the defendants reasons for asking for the judgment to be set aside.

I gave my objections to the application, and told them that if the judge allows the application that i want the case transferred to my nearest county court. Until i recieve the papers from the court however, i dont know the reasons given for the request to have the judgment set aside

Recieved letter from the court today stating " the bailiff has made contact with the defendant who is today filing an application to set aside this judgment. When recieved by the court we will list a hearing date before a district judge. A hearing notice and a copy of the application will be sent to you" I have sent a letter to the court to state i object to the application, but if it does me any good or not however time will tell. The used car dealers can try to wriggle out of this as much as they like, but i wont give in to the scumbags and will do all i can to make them pay up, i will be naming and shaming them all over the net once i have this case finally dealt with and i have recieved my money from them.