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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Help Please re: CCA decision


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Ooops! Sorry citizenB :p

 

That's precisely the reason Mr Z made a ruling that we never have drinks in the "office"! I dare not "break" the rule even when he's not here because sometimes some comments on the forum have me in stitches!!!! I'd be caught bang to rights!!!!!:D

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Ooops! Sorry citizenB :p

 

That's precisely the reason Mr Z made a ruling that we never have drinks in the "office"! I dare not "break" the rule even when he's not here because sometimes some comments on the forum have me in stitches!!!! I'd be caught bang to rights!!!!!:D

 

:D

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 weeks later...

Good morning all, Mrs Z here.

 

This post concerns Citi Cards - boy, are they in so much trouble, this final straw has given me the kick up the backside that I needed to write a thick complaint file to Trading Standards and the OFT!

 

Quick recap:

 

Agreed a payment plan then reneged on it

 

Formal complaints not dealt with properly

 

Sending doorstep agents after getting (both DCA and OC) "do not darken my doorstep" letters, also outlining a diagnosed medical reason to the OC.

 

CCA request totally ignored, 12+2+30 days were up 20th July

 

Default notice sent 12th July

 

Complaint re Default Notice sent 21st July

 

Recieve a "dealing with your complaint" letter dated 22nd August

 

Recieved a letter from Egg (found out via another thread I posted that Citi now owns Egg) asking for details of account numbers and previous address history - no mention it was for a Citi Card.

 

Now this latest letter purported to be from Citi regarding 1st Credit (Finance) Limited.

 

The letter looks like it has come from 1st Credit, the envelope gives a PO box, Reigate address "if undelivered", yet the letter alleged to be from Citi has a Sunderland address at the top. This rung a bell with me, so I checked the Citi Cards file and lo and behold a letter from Capital Collection Agencies (CCA) is there with exactly the same address sent back in February!

 

I also note that CCA is a "Trading Style" of CitiFinancial Europe plc. After a feck off and do not darken my doorstep letter they left Mr Z alone.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/CITIADONE.jpg

 

Any suggestions/advice/opinions will be gratefully recieved, thanks :)

 

One very hacked off with Citi Mrs Z :mad:

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:DOops.. not a good idea to upset Mrs Z on a Friday (or any other day come to that) Citcards/1st Credit.

 

Okey dokey. The letter you can write back would be along the lines of:,

 

I am surprised that (company A) have passed this on to you. Perhaps they havent made you aware that this account is in dispute and has been since XX XXXX 200?.

 

I had assumed that (companyA) would be prepared to resolve this dispute amicably. However that appears not to be so. In which case, I am now sending my complaint to OFT, Trading Standards and the Financial Ombudsman, using your letter as a final response.

 

 

I look forward to your early reply.

 

Etc, etc... :D

 

Unless someone else comes up with a killer correspondence for you.. send em the above. I had assumed you had already sent to the FOS, but that was AMEX wasnt it.

Edited by citizenB

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks citizenB, but Amex is the FOS complaint - lol!! My fault for putting both Citi and Amex on the same thread!! Sorry, honest!!

 

Thanks for pointing me in the right direction letter wise, I know the one you mean, I will do that also and of course include a copy to the complaint I will be getting together to post early next week!

 

It's strange, because the other day, I was thinking about Citi's treatment concerning Mr Z and how I must get my act together and get a complaint sorted. I must be physic musn't I??

 

Thanks again :)

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Just read that letter again, it is from the company that owns the debt at the moment, advising that they are passing the debt on to someone else ?. In which case, you could write back to them and say something along the same lines.. that you are surprised they are assigning the debt over whilst in dispute and as they have failed to make any attempt to resolve the dispute then you are passing the complaint over to TS/OFT/FOS.

 

When/if you receive a letter from the company that it has been assigned to then you can send the letter I posted up earlier. Does that make sense.. ?

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5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi citizenB, thanks again for your reply :)

 

The Notice of Assignment letter (looks like to me anyway) that it's "supposed" (and I use that word loosely) to be from CitiFinancial, but I'd put money on it that it's actually from 1st Credit - hence the "return if undelivered" address on the back of the envelope being Reigate (PO Box version of 1st Credit's address).

 

Let me see if I'm reading your post correctly, are you saying to wait until we recieve a letter from 1st Credit now Citi has assigned the debt over to them before replying to them? Sorry, getting myself all confused now - that's really not that hard at the mo :D

 

Have I got that right?

 

Also, are you saying I should do a complaint to the FOS in addition to Trading Standards and the OFT? The FOS will be well naffed off with me, especially after the large envelope sent with the Amex complaint!!! :D

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Hi citizenB, thanks again for your reply :)

 

The Notice of Assignment letter (looks like to me anyway) that it's "supposed" (and I use that word loosely) to be from CitiFinancial, but I'd put money on it that it's actually from 1st Credit - hence the "return if undelivered" address on the back of the envelope being Reigate (PO Box version of 1st Credit's address).

 

Let me see if I'm reading your post correctly, are you saying to wait until we recieve a letter from 1st Credit now Citi has assigned the debt over to them before replying to them? Sorry, getting myself all confused now - that's really not that hard at the mo :D

 

Have I got that right?

 

Also, are you saying I should do a complaint to the FOS in addition to Trading Standards and the OFT? The FOS will be well naffed off with me, especially after the large envelope sent with the Amex complaint!!! :D

 

Ok, letter in post 129 is to go to 1st Credit, either now or wait until you hear from them.

 

I would however write to Citi Financial saying you are surpirsed at their making the assignment to 1st Credit in view of the dispute.

 

If you are going to write to 1st Credit then you can also advise Citi that you have done so and also the fact that in view of their reluctance to sort the dispute amicably you are making a complaint and to whomever you are going to make that complaint.

 

Perhaps it might be good to check out TS and the OFT first, see what you get back from them. They are obliged to investigate now due the new laws they have. If no joy from them then send to the FOS.

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

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5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks again citizenB :)

 

Ok will do, by the way I just tried to send you another PM and it says your inbox is full!!!!

 

 

Oh shoot :D Thanks Mrs Z, I will go n do a bit of dusting. Okey dokey.. squeeky clean now.. :D

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Oops, sorreeeeeeeeeeee :)

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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No worries, my own fault :p

 

I have rewritten and sent now :)

 

replied :D

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Good afternoon all, Mrs Z here :)

 

We posted off the CCA in dispute letters by recorded delivery on Monday. They were delivered on Tuesday (I've checked RM website).

 

This morning Mr Z has recieved this letter from 1st Credit.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/1stCredit-Citi-1.jpg

 

My first thought was that the letters have crossed in the post, but after re-reading 1st Credit's letter, I'm not so sure.

 

Should Mr Z respond to this letter or file and ignore?

 

Any advice gratefully received as always, thank you :)

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Monday was the 8th wasnt it ?. That is the date of their letter so I doubt this in response to anything.

 

Now why are they suggesting you send them £10.00 for Data ?. Your CCA request is still outstanding with the original creditor isnt it ?

 

Did you at any time send a SAR request to the original creditor ?.

 

Did you send the "I am surprised that this account has been passed over, etc " letter or were you waiting to hear from them ?

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi citizenB, thanks for your quick response :)

 

Yes, the letters I mentioned were the account in dispute due to no CCA templates. Citi have totally ignored the CCA request sent back in May.

 

We have never sent a S.A.R to Citi, that's why I'm wondering although 1st Credit's letter is dated the 8th, it was typed and sent yesterday if you get my point ;) after they had received Mr Z's " I'm surprised that this account has been passed over etc.

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Hi babybear, hope you are well :)

 

Even if they do get them mixed up ( which wouldn't be hard considering they lack soooo badly in the brain department :D) wouldn't what I've said actually be a reality?

 

Still don't know how to proceed though - anybody got any ideas please?

 

Thank you, Mrs Z :)

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Hi Mrs Z, I'm fine, hope you and Mr Z are too :)

 

Report citi and 1st crud for passing and chasing an account in dispute to TS and the OFT. This breaches OFT guidlines, the UCPD and the CPUTR 2008. Make sure you report them to thier own TS departments too ;)

Edited by babybear39
missed a bit
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Okey dokey... Just one more question, was there a post mark date on the envelope ?

 

Dear Cretin.

 

ACCOUNT IN DISPUTE - I ACKNOWLEDGE NO DEBT TO YOUR COMPANY - PLEASE DO NOT IGNORE THIS LETTER

 

RE Account No:

Any Reference number they have supplied

 

I was surprised to receive your letter dated 8th September 2008

 

I wrote to both you and CitiFinancial on XX XX 2008. Both letters were signed for on XX XXXX 2008.

 

This account is in dispute and has been since (Whenever), and has been since Citifinancial failed to comply with my formal request under the Consumer Credit Act 1974 (sections 77-79) for which they also received the legally required fee of £1.00 I am at a loss therefore to understand why, I would wish to pay you £10.00 for that same document.

 

Until that document is received I am unable to assess whether I am indeed liable for any alleged debt, nor does it give me a chance to assess if the document was properly executed.

 

Right now, have you started/sent your complaint to the FOS/TS. If not now is the time to do so.

 

It is now my intention to make a formal complaint to Trading Standards with a request to take action against you for threatening action which cannot legally be taken, and misleading and agressive practices, contrary to the Consumer Protection from Unfair Trading Regulations 2008.

 

I am sure you are aware that whilst my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under S127, this constitutes a complete defence at law. Consequentally any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Unless anyone else can come up with something a bit more forceful. Send them that.

  • Haha 1

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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