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    • When I say pay I mean it figuratively, however, the change in terms and conditions of the credit card will have some real life costs to me- it was the card I use when we go on holiday which is often outside the eurozone. Our countries of choice are usually Poland, Croatia and the Czech republic and prior to the war, Kyiv.   I am indeed wondering if the movement of money has flagged something but there are really straightforward answers if only they asked. If that is the reason then fair enough and lesson learned , by the way it was not mega bucks, the maximum cash deposit was £1300. I had also been paying the ground rent for my partner for 10 months and then deposited a cheque for 10 months ground rent. When we go away , I like to have some money in different accounts incase any do not work where we are going, but I am not affluent enough to be able to have it sitting there when we get back.   I have checked an up to date version of my credit file and there are no cifas markers.  
    • Hi, my brother last week received a ban from Sainsbury for not paying for goods. No police was involved, and they took his ID and said it was internal and that he is not welcome in any of theirs and partner store. If he receives any dwf letters repeatedly, how he handle it. we had a tragedy in our family, being distracted and forgetting to pay is not an excuse, and  regrets it. However the security guards don't seem to care as he didn't pay. im trying tell him not to worry. however, in many forums that I have read, states that we ignore these threats as they are testing and using scare tactics. Shall I just ignore these or shall I send them a letter stating " any liability to their client is denied and that we will not enter into any further correspondence". Then, am I giving them a reason to pursue more because I have responded? I Have also asked my brother not to go into any Sainsbury for a very long time. As mentioned, no police was involved and he was just escorted out of the store. Please advise a professional response on how to deal with this. We haven't received any letters yet and hoping there is a chance he won't get one......   One more clarification, if they keep sending letters, which we will ignore, but after the 4 or 5th letter, could we return the letter stating .."return to sender" or say "moved". This way, perhaps they will stop sending and move on.. What is ur advice? Also does DFW always send letters after such an incident? Or on occasion they ignore. Tank you. Any advice is helpful.
    • Hi not sure if in right place , but i got some windows fitted in 2018 about 6 months later noticed in a couple of the windows on the opening a gap appeared and noise and air was apparent , i went to the shop and mentioned it and said someone would come out never did to cut it short many times going to shop / messaging they have been out afew times always with a excuse saying forgot where they put parts then saying they would replace 2 of the windows , then saying they ordered the wrong windows this was the latest back in feb this year , so ive had enough now and looking at taking them to small claims court . Ive always thought all the windows are not right as since the new windows the house seems colder and noisier so would i be able to claim for all the windows or would i need to get a independent review of the windows before making a claim . I dont want to put a claim in then find i should have done things first . Many thanks for any help . David 
    • No worries, it's easy done post in your thread   Admin - please delete mine and Yorky's posts from this thread
    • oh sorry. I was reading the original question and replies. Hadnt realised I posted in wrong section
  • Our picks

keren29 v Associates (citicards)**Defence Struck Out**


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  • 2 months later...

Think they lodged an objection to the original judgement, and that the case goes again before a judge at the end of the month.

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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  • 2 months later...

ok, due to the prying eyes, I've not updated my thread so Brian isn't alerted to him not doing as ordered by the Court.

 

However, to all those who are worried about their bullish claims about victories

 

Citi have had their DEFENCE STRUCK OUT for my claim

 

They did not comply with a previous order to provide information and have been ordered to pay me the full amount I am claiming within 14 days.

 

Glass of red for me I think........

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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We'll see if he pays up. Otherwise I'll be sending a friendly bailiff in :D

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Had alot on, but think i'm gonna have to chase up my claim with Citi as they have defaulted on the full disclosure order... and haven't heard from the court since sending a letter requesting judgement about a month back.

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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definitely Enron. Go for it.

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Well done karen another win against Citi.

 

Citi where ordered to pay me within 14day, they never did get the application for a warrent ready to sent the bailiffs round.

 

Well done Karen another win against Citi.

 

Citi where ordered to pay me within 14 day, they never did ... best get the application for a warrant ready to send the bailiffs round.

 

I soon got my money when they arrived ...

Citi Cards - £800 - N1 Form logged at court

Defence entered

£279 refuned £521 outstanding on claim

Hearing 15th Nov 2006

Hearing 18th Jan 2007

Defence Stuck out - £549

March 07 Bailiffs called in to collect

20/4 Cheque for £549 - I WIN

 

Abbey - Setteled in full 9th Nov 2006 £3,300

 

Abbey - Data Protetion Act informtion

ICO complaint logged

 

Abbey - N1 Logged - 12/02/2007 £933

FOS Complaint logged 07/03/2007

£180 refunued -Good will Gesture 01/04/2007

Hearing 15th June 2007

 

Capital One Refunded £50

 

Egg - Data Protection Act request

Returned charges £80

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Please can my thread title be changed to reflect Defence Struck Out please.

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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excellent news keren - wonder if Citi are going to amend their standard letter and quote your case amongst the "twelve" that they famously say they have won.........NOT:D

 

Also has Brian has taken to stuffing a book down his trousers now that his a**e has been kicked a few times:)

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Great news, keren, it bodes well for those of us waiting in the wings!:)

 

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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today is 14 days after the date of the order of their defence being struck out.....

 

i'll give them until Saturday and then I'll be sending in the bailiffs

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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today is 14 days after the date of the order of their defence being struck out.....

 

i'll give them until Saturday and then I'll be sending in the bailiffs

 

 

Excellent!

 

Get your local paper to be there!

 

 

Jeff.

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HI Keren

 

Well what can I say apart from the regular CONGRATS. You have shown everyone on this site how to do it and do it well. You have remained calm and dedicated hrough times which you may have wanted to cave. You are a truly inspiration to us all. I was so enthralled with this thread i have taken 2 hours to read it and its links lol

 

I am in the process of helping ym brother with this company, altho we are only at the very beginning of the claim. I was intrigued with the secrecy and truly believe this helped your case, as they were unable to get hold of info via here ;)

 

Mr Smith et al.....let me introduce to you Keren aka CITIBASHER!!!!!!

 

Congrats again and treat yourself to something really nice....you deserve it xx

All advice is based on my experiences. I am NOT qualified and as such cannot be held responsible for any mistakes. If in doubt...get professional help.

If you like what i have said then make me a star!!

Some helpful links

I have been successful in many cases..here are links to some

Housing Act and deposits: http://www.consumeractiongroup.co.uk/forum/showthread.php?266260-Deposit-being-withheld.-Please-advise&highlight=

Against Natwest: http://www.consumeractiongroup.co.uk/forum/showthread.php?278646-N-west-v-Mrsfoot-s-Son.-***WON_ALL-CHARGES-REFUNDED***&highlight=

Against Swift Advances: http://www.consumeractiongroup.co.uk/forum/showthread.php?46576-Me-V-Swift&highlight=

Against B&Q: http://www.consumeractiongroup.co.uk/forum/showthread.php?172878-Me-vs-B-amp-Q&highlight=

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well, funnily enough :rolleyes: ...........no money received.......

 

.........more than one way to skin a cat though.......:cool: watch this space.....

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Looks like they are getting to go through the whole process - from start to bailiffs.

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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there's just a little step in between.........;)

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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Once we have a few wins, which eventually this will be it might be worth going to the press. Morsy has already won.

 

Especially in the light of the well publicised Lloyds TSB victory yesterday.

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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  • 2 weeks later...

Result!!!

 

I put an N244 into the Court and requested the money they were holding (after the hearing in October when Citi were ordered to pay my claim into Court) and I've had an order today saying that

 

'The funds now in court totalling £530.61 be paid out forthwith to the Claimant'

 

I've been asked for (and given) my bank details for the transfer to happen.

 

I think that can be classed as a

 

WIN

knew I'd get there in the end...............

:D

  • Haha 1

Abbey - Claim 1

full hearing 22 Feb 07 - Settled in full £710 :D

Abbey (Claim 2)

full hearing 22 Feb 07- Settled in full £4000 :D

Abbey (Claim 3)

Court date 27 June -

Capital One (claim 1)

£467 Settled in full 20 Sep :D

Capital One (claim 2)

£72 refunded 19 Aug :-D

Associates (Citicards)

claim 8 Aug/judgment by default 30 Aug/set aside hearing 9 Oct/Stay denied, ordered by Judge to reveal breakdown of charges andfull hearing 24 May/FULL DISCLOSURE ORDERED BY 8 MARCH/JUDGE TO STRIKE OUT DEFENCE AS NON-COMPLIANCE/DEFENCE STRUCK OUT PAYMENT IN FULL REQUIRED IN 14 DAYS

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