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WendyB - v - Citicards


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Hi

 

Have got all my statements from Citi, spreadsheet done and will be posting Prelim today.

This is a closed account, no outstanding balance, no DCA, no defaults. just straightforward charges.

I realise Citi are the worst of the lot, whats their normal system?

Do they usually make an offer before filing N1 or not?

 

I just want to get an idea of how they operate so I go in with my eyes open and know what to expect from them.

 

Cheers

 

Wendy

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And is it worth claiming debited interest on the charges or not? Whats their previous form on this? Don't want to go for CCI as it seems a bit of a minefield, but got DI recently with Crap One. Just haven't got the stomach for a long drawn out battle, got loads of other stuff on at the moment - I try to maintain a life outside of charges claims lol, and this is gonna be my last one so i just want to take the easiest option and get it over and done with asap. I know I'm wimping out!

 

I'd welcome thoughts please.

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I personally am not bothering with DI, just the Statutory 8%.

 

If you read through this forum you will see how difficult Citi are, there are plenty of cases about though.

 

You WILL have to go to court though, they don't whimp out like Crap one do at the final furlong.

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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Thanks MK. To be honest that was what I was thinking, just wanted it confirming by someone. I'd had a read through and decided that for the relatively small amount of my charges its not worth the extra hassle.

 

Do they always turn up at Court? or might they cave in a couple of days before the hearing? I hope so!

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Read through some of the cases that have been won.

 

You'll see that they have turned up in the past, not turned up for some hearings or, more recently, sent solictors (Eversheds LLP) on their behalf to represent them.

 

Either way, they're still basing their defence on the Potter case, and provided you follow the process through correctly, you should be ok.

 

They will try you patience by stretching time limits to the extreme, and you may find the court stays your claim on the basis of the OFT test case, but there are ways around this.

 

Saying all this though, i'm only a massive n00b, but the above comes from my new found knowledge of reading this forum!

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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Compared to this...most definately!

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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  • 3 weeks later...

Well my Prelim was received by them on 17th, absolutely no response, not even a bog off letter, so its nearly time for LBA, all printed off and ready to go by the end of the week.

Have been looking around and see that they try to get out of paying up by saying that the account was charged off due to non payment etc, however this is not the case with me. The account is closed(as far as I know). No balance owing and no default. What are their usual tactics in this situation? Am I likely to get an offer of the difference between £25 and £12 do you think?

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They'll try and make it as long winded as possible, and are likely to offer you the difference to make themselves look more reasonable in the eyes of the court.

 

When you get the AQ contact me as will have additional stuff for you to submit with it.

 

Citi as a rule will always go to hearing, but enough of us have been through the process to prepare you well (they have lots of weak points) and let you know exactly what happens.... its not that daunting once you get going.

 

P.s. always check the wording of their letters if its anything to do with receiving a payment.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Which address did you use to send the prelim and LBA letters to?

 

Thanks

IF Current A/C won

MBNA A/C 1 Settled in full

MBNA A/C 2 S.A.R - (Subject Access Request) Settled in full

Lloyds TSB CC - S.A.R - (Subject Access Request) sent

Citicard S.A.R - (Subject Access Request) sent

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Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA]

 

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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I actually got a reply last week dated 24th October. basically guff, saying that they aim to provide a full written update within 10 days. yeah right. I've been a bit lax on this, other things on the go, life and suchlike, but have now done my LBA and am about to post it.

 

by the way, the letter was from the Office of the Chief Exec and was signed by a Hedley Pringle. This has got to be a made up name, surely????? (No offence intended to any real Hedley pringles out there)

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I never got anything after the LBA.

 

Let's send out N1's at the same time! Team work!

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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Have just phoned the Chief Execs office (on their conveniently freefone number). Strangeley enough no Hedley....but anyway, according to the girl I spoke to, they raised a cse on 24th Oct, they've ordered copies of my statements so they can check the figures, they will definitley refund the difference between £25 and £12, and the date it will be sorted by is 24th November. oh yeah, and they'll be sending me a cheque. How sweet is that. Yeah right I'll believe it when I see it.....

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Watch the wording on the letter, it will most likely say that the cheque is in full and final settlement - they've done this crafty ploy beforehand.

 

If there is no such wording cash it, if it does have that wording then return it saying that you cannot accept it as full and final payment.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Don't hold your breath, just follow the same process as everyone else

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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I always do.....

but to be honest I don't know if I can be bothered with yet another N1, spending out more money, time effort etc. There's not really very much involved here, so it might not be worth the effort on my behalf. I'll see how I feel when the time comes......

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I'd personally be inclined to go all the way, lots of us here to help you - because every person that accepts a partial settlement is a win for them.

 

However at the end of the day the decision is obviously yours.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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I'd deffo go all the way Wendy, and I am! You've got everything to gain, and not a lot to lose really. Plus you have the satisfaction of winning! :D

NatWest - WON! £3350 Paid back

Vodafone - Default removed

Citicards - Judgement awarded for £1898, default remains though...for now....

Capital One- WON! Settled out of Court £392 + Default Removal!

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You can always accept the cheque as a partial repayment of what you are claiming (providing their letter doesn't say full and final settlement).

 

And then go to the FOS for the remainder, I have information which will be useful should you decide to go that route.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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It'll materialise but just be aware of the wording, know a couple of people who have been caught out by it.... and a couple who spotted it, Citi's solicitors saying it was a mistake - yeh right.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 1 month later...

Apparently the cheque has now been raised, but only for £13 per charge "because the law says we can charge £12" Oh dear, Citi really do make you laugh don't they. Lets see what their letter says when it gets here, then decide whether to go N1 or FOS. It should be here in 10 days, perhaps Santa's bringing it........

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So even if their letter says Full and Final Settlement, can't Ii accept the cheque but write back to them saying thanks very much, but its not full and final and I'll be filing at court for the rest of it? Do I have to send it back? Or would cashing it be accepting their terms? Just don't know if I'll have enough willpower to send it back to them:D

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