Jump to content


  • Tweets

  • Posts

    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Cit Cards - Is this normal??


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5741 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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.:)

Link to post
Share on other sites

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.

Link to post
Share on other sites

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!

Link to post
Share on other sites

  • 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??

Link to post
Share on other sites

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??

Link to post
Share on other sites

  • 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???

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

 

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 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 :)

Link to post
Share on other sites

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...