Citicards Ignoring Fos **WON**

[angnnig]

HI everyone,About 4 months ago I sent my claim for unlawfull charges with Citicards to the FOS,I have recieved several letters from the FOS saying that they are still waiting for a response from Citi.As they are taking so long in solving the dispute can I charge more interest.And how long does it usually take for the FOS to resolve these matters.kind regards angnnig

[lickthewallfatboy]

citi are a law unto themselves.....I would advise initiating of the legal route to get your money back......

[angnnig]

thanks for your reply lickthewall,will it cost money to get them into court.regards ang

[lickthewallfatboy]

depending on the amount of claim,I beleive a maximum of £62,which you claim back along with 8% county court interest on top of everything!

 

go for it!!

[angnnig]

So does that mean I will definatly win in court if it gets to that stage ,I wouldn,t want to lose the £65.thanks, kind regards

[angnnig]

Does anyone know if I can take my credit card claim through "money claim online"or do i have to get the court forms for it ,thanks regards angnnig

[itsamomentintime]

you can use moneyclaim, its quick and easy

[slick132]

Hi Angnnig,

 

The Site advice is to file at your local county court if you can.

 

There's a chance with MCOL that the case may be incorrectly Stayed.

 

However, before you do that, you have to go through the early reclaim process - ie Prelim Letter and LBA. If you started off doing this before going to the FOS, I'd suggest you send a new LBA to Citi giving them 14 days, then file at court.

[slick132]

Moving your thread from Legalities to the Citicard Forum.

 

[angnnig]

Thanks for your advice guys.il take it through the local court,not taking any chances with mcol.could we get a reduction with the court fees as we are on a low income and benefits working tax and child tax credit.kind regards angnnig

[slick132]

This may help - http://www.consumeractiongroup.co.uk/forum/helpful-external-links/2147-court-fees-do-you.html

[angnnig]

nice one slick ,il check that out ,thanks.regards angnnig

[angnnig]

Just to let you all know ,I telephoned the FOS explained to them that we are experiencing financial hardship and that we could do with city settling up with what they owe us.They were really helpfull and said they would get on to them right away and 3 days later they send me an offer of the full charges and interest .and said they deal with the PPI charges city owe me later.I was shocked but relieved as well.its helped the cause a bit ,thought I,d let you guys know what worked for me ,good luck with all your claims.kind regards angnnig

[MARTIN3030]

Good.

But as far as I am aware-Citi are not signed up to the waiver,or certainly did not sign up in the first round of July 2007.

[angnnig]

Thanks Martin,

I am still waiting for Citi to send my cheque.Its been about 3 weeks now since i signed the consent form, agreeing to citi,s offer.Does anyone know how long it normally takes to get the charges back.thanks ,regards angnnig

[slick132]

I don't know, but they've kept you waiting long enough already.

 

Write saying they have a final 7 days to send your payment or you'll lodge a further complaint with the FOS because Citi are delaying payment on a case which they know to involve Financial Hardship.

[angnnig]

Hi slick Thanks for your advice .your right, i have been waiting too long ,il do that letter now.kind regards angnnig

[Enron]

Will be interested to hear how this goes as have a complaint lodged with the FOS myself against Citi.

[angnnig]

Hi Enron,how long have you been waiting so far with your claim?

[angnnig]

Hi all,I,ve finally had a cheque from Citicards.Its took almost a year ,but i got thier in the end..going to court with Yorkshire bank next ,that has been going on for far too long.regards angnnig

[slick132]

Hi Angnnig,

 

Great to hear you won (eventually). Please make a site donation if you can to help others beat their banks.