Hi, I'm not getting very far with my PPI Claim with Citi. I have completed the PPI Mis-sold form and I have also requested a SAR, as I don't have any of the original paperwork when me & my husband(was then) took out our loan with The Associates. This was between 2000 and 2001. Would they still have my information on record from this far back? I hope there is someone who can help and advise me what to do, as I don't seem to be getting any further forward with this and I don't want to give up. Thanks

Hi Everyone, I will try to be as clear as possible. Objective:Trying to remove a default placed on my credit file. This is the scenario. 1) Taken out credit card with CitiFinancial in 2000, I never managed the card correctly, therefore many late payments. 2) CitiFinancial sold the debt to Hillesden securities in June 2006. 3) Started making payments to Hillesden. 4) September 2007 Default notice placed on my credit file. 5) No payment made to Hillesden in 2008. 6) Paid off the entire debt in February 2009 Now up date to date. I was trying to get a mortgage then checked my credit file to find, although I paid Hillesden , I have a default registered . My question, I have no recollection whether Hillesden issue a default notice to me in 2007. Therefore, I asked Hillesden by letter if they could please forward a copy of the default notice. This is the standard reply they sent. “Thank you for your letter dated xxxx regarding your request for information under section 77-79 of the Consumer Credit Act 1974....” It is this paragraph I find confusing. “We acquired your account from CitiFinancial Europe Bank on xx June 2006. The account was defaulted on xx September 2007and subsequently paid in full on xx February 2009. The default notice was issued by CitiFinancial. This would have been addressed to the address held on file by Citi." I can’t see why Citi would place a default in September 2007, when they had sold the account in June2006? I have since written another again pointing out that I still would like a copy of the default notice. They have now replied saying they cannot find it. Finally ,I sent two S.A.R letters, one to CitiFinancial and the other to Hillesden securities. That was 15 days ago. I know they have 40 days to reply. My question, would I be correct in assuming that if Hillesden did not follow correct procedure in placing a default notice on my credit file. They should remove it. Thanks for any help.

Hi hello everybody, This is my first post here on CAG forums. I was wondering if anyone has any help and advice as to how I should now proceed, made a CCA request to Cabot financial the debt that I have with City financial after much time several letters from Cabot apologising for the delay and a letter to them putting the account in dispute, today a big envelope of paper work arrived including some old statements pages and pages of terms and conditions, and in the letter that they have sent with this paperwork it says and I quote this paragraph from their letter Not withstanding the above please find enclosed all the relevant information following your request for information under section 77-78 of the CCA. We can confirm that we have provided they reconstituted true copy of your credit agreement, which for the avoidance of doubt complies with the consumer credit act (cancellation notices and copies of documents) regulations 1983 and therefore complies with the obligations set out under section 77-78 of the CCA. Obviously being a reconstituted copy it does not contain my signature or a signature of the original lender. It states in the letter from Cabot that they purchased the debt from Citi financial on the XXXX date, but they have failed to provide in all the information sent the deed of assignment. I am looking for some advice as the best way to proceed, I have previously contacted Cabot with a view to making a full and final settlement offer (funds coming from my father to make full and final offer to all the other debts I have only enough money to offer about 28%) this offer was refused they can bet with a counter offer of just over 50% this was all prior to requesting the CCA the advice I am looking for is how to make a further offer full and final, Clearly if Cabot at the original consumer credit agreement signed by both parties and containing all the prescribed terms they would have sent it and not gone to the trouble of getting a reconstituted true copy of my credit agreement can anyone please advise as to what the next best course of action is in making a full and final offer. If anyone please help I'm sorry if this post is long winded and if you want to scan and post up any letters or the agreements, please let me know. Thank you very much