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Ask for a cheque or settle my account with Citicards?


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I done a very silly, silly thing!

 

I have a judgement against Citicards and faxed them warning them that I'd be applying for a Warrant of Execution. I said that:

 

1) they need to clear off the balance on my credit card with them by 10/12/07 (I have an outstanding balance on my credit card account).

 

2) send me a cheque of the balance by 11/12/07 by registered post.

 

They did neither of the above so I went to court a couple of days ago and have since been given a warrant number.

 

The only problem is, in hindsight I'd prefer to have a cheque in the bank for the owed amount and continue to pay off what I owe them on a monthly basis until I clear the balance.......

 

Do you think I should just fax them again saying that since they haven't met my request and have forced me to issue a warrant I want a cheque for the full amount and will not accept payment any other way?:|

Mint - Won! WCO not granted by court. :)

BlackHorse Loan- Won! WCO not granted. :)

 

Easy Money & More Than (Lloyds) - Won! Had been offered half of settlement prior but declined. :)

 

Capital One - Won! :)

 

BlackHorse PPI- WON £3,000, Claimed 4,500! :)

 

CitiFinancial - WON! :)

 

****************************************************************************

 

Monument - N1 Submitted Feb09

Cahoot - N1 submitted Feb09

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Do you think I should just fax them again saying that since they haven't met my request and have forced me to issue a warrant I want a cheque for the full amount and will not accept payment any other way?:|

 

Nothing to stop you, Missy, but don't expect Citi to comply. They are spiteful enough to do just the opposite! But make sure you get your warrant fee back.

 

I agree with LTWFB, get shot of 'em.

 

Els

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Yeah, you're probably both right!

Mint - Won! WCO not granted by court. :)

BlackHorse Loan- Won! WCO not granted. :)

 

Easy Money & More Than (Lloyds) - Won! Had been offered half of settlement prior but declined. :)

 

Capital One - Won! :)

 

BlackHorse PPI- WON £3,000, Claimed 4,500! :)

 

CitiFinancial - WON! :)

 

****************************************************************************

 

Monument - N1 Submitted Feb09

Cahoot - N1 submitted Feb09

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Out of interest, is a lender obliged to pay you your claim in full by cheque/BACS?....... or can they, by law, request the court to allow them take off what you owe them first and then pay you the balance?:confused:

Mint - Won! WCO not granted by court. :)

BlackHorse Loan- Won! WCO not granted. :)

 

Easy Money & More Than (Lloyds) - Won! Had been offered half of settlement prior but declined. :)

 

Capital One - Won! :)

 

BlackHorse PPI- WON £3,000, Claimed 4,500! :)

 

CitiFinancial - WON! :)

 

****************************************************************************

 

Monument - N1 Submitted Feb09

Cahoot - N1 submitted Feb09

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They have the right to offset e.g. clear the balance first and then pay you anything remaining. However, if you have other creditors then I would argue that they do not have the right to offset in this situation as they would be unjustly taking precedent over your other creditors and any monies should be distributed on a pro rata basis.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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if it were me,I would clear the account and close up!!

 

Would agree with that, do you want to really give them one penny more than what they are due after reading how they treat customers?

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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  • 3 months later...
Would agree with that, do you want to really give them one penny more than what they are due after reading how they treat customers?

 

Hi Enron,

 

could you please take a look at the thread below? Thanks

 

Please click here.

Mint - Won! WCO not granted by court. :)

BlackHorse Loan- Won! WCO not granted. :)

 

Easy Money & More Than (Lloyds) - Won! Had been offered half of settlement prior but declined. :)

 

Capital One - Won! :)

 

BlackHorse PPI- WON £3,000, Claimed 4,500! :)

 

CitiFinancial - WON! :)

 

****************************************************************************

 

Monument - N1 Submitted Feb09

Cahoot - N1 submitted Feb09

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Nothing to stop you, Missy, but don't expect Citi to comply. They are spiteful enough to do just the opposite! But make sure you get your warrant fee back.

 

I agree with LTWFB, get shot of 'em.

 

Els

 

Hi Elsinore,

 

please could you take a look at the thread below and comment? Thanks!

 

Please click here

Mint - Won! WCO not granted by court. :)

BlackHorse Loan- Won! WCO not granted. :)

 

Easy Money & More Than (Lloyds) - Won! Had been offered half of settlement prior but declined. :)

 

Capital One - Won! :)

 

BlackHorse PPI- WON £3,000, Claimed 4,500! :)

 

CitiFinancial - WON! :)

 

****************************************************************************

 

Monument - N1 Submitted Feb09

Cahoot - N1 submitted Feb09

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Links arent working.

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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