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Cit Cards - Is this normal??


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In Nov last year I sent S.A.R and got all the standard Citi cards nonsense, anyway once I worked out my charges I sent a letter requesting they pay them back.

 

On the 5 Dec 07 they sent me a standard letter stating that they were sorry to hear that I was not happy etc etc and that they would look into it. They also said that they ALWAYS endevour to respond within 10 days and finalise all complaints within 4 weeks!!!

 

So I then thought that before I send them an LBA I would send a CCA request.

 

I have not had a letter back since I sent the request although I have got P.O.D from royal mail and on my last statement they showed the £1 fee.

 

The letter was signed for on 21 Dec 07 so by taking the 12 + 2 (Taking out standard bank holidays over xmas) they have now defaulted.

 

Is this a standard thing for them to completely ignore requests.

 

My first wranglings with these guy's so any help is much appreciated.:)

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Citi are a law unto themselves so for them this is quite normal.

 

Stick to your timescale, you should now send them an LBA. You might find that they send you a pathetic offer of the difference between thier £25 and charge and the £12 now being charged. This is what they did with me although it took them about 6-7 weeks. If they do this, they'll probably send a cheque with it or credit it straight back onto your account. Be careful before you cash the cheque what the wording is on the letter, if it says full and final settlement don't accept it. If it doesn't,accept as a partial refund only and file at court for the remainder. Get the wording checked out before you cash the cheque otherwise it could be game over.

 

With regard to the CCA, yes they are now in default and I believe you can stop paying them now.

 

Remember you can either have the debt uneforceable, or reclaim charges, not both. I'm not too up on that but no doubt someone will be along soon who's more clued up on CCAs than I am.

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Is the account still open mate?

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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  • 1 month later...
  • 1 month later...

Still no reply to any of my letters!!

 

They have started calling from an 0141 number, and when I refused to do security the girl got stroppy and put the phone down (Oh Dear)!!

 

So today I have put copies of all my letters into an envelope and sent it off to the FOS and I'll let them sort it.

 

Why do they have to make it so difficult??

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I have worked out who the 0141 number is - It is my good old friends AIC. I have just taken a call from them and refused to do security, I talked he listened.

 

Citi have obviously sold the debt on to them, but here is my question. Who do I report this to now??

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  • 2 months later...

Just had a quick look at my credit expert account and Citi have applied a default to my account without sending a default notice or responding to any of my written requests. I have complained to FOS but this was without knowing about the default.

 

Any ideas on what i should do now???

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If they haven't supplied you with the CCA under your request, then they shouldn't be selling on the debt.

 

You should contact the DCA in writing to inform them of this.

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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The enforceability of the debt has no bearing on whether they sell it on or not, sadly.

 

In fact, you'll find specialist DCA's that take unenforceable debts on and hound the debtor, despite it being unenforceable.

 

What you need to do is, as Enron said, ensure this latest DCA know that the account is in dispute. You should send them a copy of your original CCA request, along with the proof of purchase, and let them know they've purchase or or collecting an unenforceable debt. You'll soon find them stop contacting you if you show them you don't have to pay, IMHO.

Always happy to help where I can!

:lol:

Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

It was Winston Churchill who said; "Democracy is the worst way to run a country except for all the others"

 

Advice and comments posted by car2403 are offered purely without prejudice. They reflect only my personal opinion and do not represent the opinion of this forum or it's management. You should always seek legal advice from a qualified legal advisor. As a member of the site team, I disable reputation - reputation points mean nothing, please check my posting credentials yourself and make an informed decision. You shouldn't PM me and await a reply - I may be too late with a response. No replies will be given in Private Messages - just as with getting advice from the forum, getting advice via Private Messages is dangerous. CAG is about sharing successes so others can follow your example, this is primarily why I'm here, so please don't be offended if I don't offer replies in PM that doesn't comply with this. Help CAG to help others by keeping your thread up to date.

 

 

USEFUL LINKS; New User Guide to CAG | Can't find what you're looking for? | Intro to Consumer Credit Litigation | Is My Agreement Enforceable | Default (Surleybonds) Template Letter | Defaults - background, removal methods, challenges and taking a claim to Court | Digital Signature Guide | Overdrafts and the CCA

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Thanks guys, I am not being hounded anymore by a DCA I am more concerned about the default on my credit file when they haven't sent a default notice!!

 

Anyone have any ideas as to where I should go with this now??

 

http://www.consumeractiongroup.co.uk/forum/citicards/149500-have-you-been-defaulted.html

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 4 weeks later...

How interesting!!

 

I have been preparing myself for a long drawn out battle with CITI. However, today I checked my credit file and noticed to my surprise that they have just removed all history from my file and removed the account. It is like it was never there in the first place!!

 

Looks like this one has come to an end, so thanks for all your help boys and girls :)

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Glad you had a result..... congrats.

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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Retain all your stuff in a safe place relating to this account.

 

Keep an occasional eye on your credit file, if it reappears after being erased - then the subject of Citi having an executed agreement with you will be raised again, as they have not complied with your request I would say that they dont have one, and have no right to enter details about you without it with the CRAs.

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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