Jump to content


  • Tweets

  • Posts

    • I remember a similar issue with a customer claiming that 'alexia' had ordered something that wasn't ordered and when it should have been off, .. with Amazon quoting evidence that they had that the customer had said a word 'similar' to the activation word - which 'accidentally' activated it .. followed by 'accidental' ordering due to interpreting what was said   I would not ever consider one of these things in my house.
    • is installing an Alexa type device in your home similar to having bug listening devices installed by Police or security services ?   Woman finds recordings collected by Amazon’s Alexa – and you can hear yours WWW.INDEPENDENT.CO.UK Amazon customers can request all their data from the shopping giant, and can automatically delete voice data in the Alexa app  
    • Yes please I think we would like to know all about it. Saying "I didn't foresee any problems so I didn't bother to…" As I say I didn't bother to look when I cross the road because I didn't think I would be run over
    • My WS as I intend to send it... any problems anyone can spot?         In the county court at Middlesbrough Claim No:  Between Vehicle Control Services Limited (Claimant) V   (Defendant) Witness Statement Introduction It is admitted that the Defendant is the registered keeper of XXnn XXX   Locus standi/bye-laws and Relevant land Schedule 4 of the Protection of Freedom Act 2012 (PoFA) allows recovery of unpaid parking charges from the keeper of the vehicle. However, the first paragraph 1 (1) (a) states that it only applies “in respect of parking of the vehicle on relevant land:”. The definition of “relevant land” is given in paragraph 3 (1) where subsection (c) excludes “any land ... on which the parking of a vehicle is subject to statutory control”.  The bus stop is not on relevant land because the public road on which that stand is on is covered by the Road Traffic Act.  Notwithstanding that the claimant claims that " the claimant has given the Defendant its contractual licence to enter the site", the claimant has not given any contractual licence whatsoever. This is a road leading to/from the airport which is covered by the Road Traffic Act.  A list of highways on the Highways act 1980 does not even exist. The defendant brings the attention of the court that VCS is using this non existent document issue as a deliberate strategy to debunk the fact that this road is not relevant land. VCS are put to strict proof that it is relevant land not covered by the Road Traffic Act nor by Byelaws. While it is true that landowners can bring in their own terms, it is also true that whatever terms they bring  cannot overrule Byelaws and the Road Traffic Act. If Bye Laws are involved then the bus stop is not relevant land and neither is the specious argument about First Great Western Ltd. Is the claimant ignorant of the Protection of Freedoms Act 2012? The road outside of Doncaster Sheffield Airport is not relevant land and is not covered by the Protection of Freedoms Act. That makes the charge against the claimant tantamount to fraud or extortion. The claimant mentions a couple occasions where they have won such cases. It is brought to the attention of the court that none of those cited cases were on airport land. VCS actually has also lost a lot more cases than they have won using their prohibitive signs.  Airport land is covered by Bye Laws and hence the claim by VCS is not applicable in this instance. The remit of VCS ends in the car park and does not extend to the bus stops on public roads or land which they have no jurisdiction over. All classes of people go to the airport. This includes travellers, taxis, fuel bowsers, airport staff, companies delivering food and drink for each aircraft, air traffic controllers and buses with passengers. It is therefore absolutely ridiculous to attribute VCS with any sort of permissions. The defendant submits that VCS should not confuse a major thoroughfare with a car park and presume to act as land owners and usurp the control of any land which is not relevant to them.   Protection of Freedoms Act The clearest point on section 4.1 of the Protection of Freedoms act is that “The provisions in Schedule 4 are intended to apply only on private land in England and Wales. Public highways are excluded as well as any parking places on public land which are either provided or controlled by a local authority (or other government body). Any land which already has statutory controls in relation to the parking of vehicles (such as byelaws applying to airports, ports and some railway station car parks) is also excluded.” Therefore, as this case pertains to an airport, the claimant unlawfully obtained the registered keeper’s details against the defendant’s vehicle. Thus, on this basis alone, the defendant implores the court to throw out this case. Notwithstanding the above point, if perchance Schedule 4 of the Protection of Freedoms act 2012 were to apply, the claimant is put to strict proof that they complied with the requirements of section 7 stating, “(1)A notice which is to be relied on as a notice to driver for the purposes of paragraph 6(1)(a) is given in accordance with this paragraph if the following requirements are met. The notice must — (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;” Without such proof the court must of necessity throw out this case forthwith.   Deceit, Intimidation and Extortion The Claimant’s Particulars of Claim include £50 legal costs, yet in the letter dated  03/06/2021, the Claimant stated that they were no longer represented by Elms Legal and all further correspondence should be sent to the VCS in-house litigation department. Why should the Claimant be asking the Defendant to contribute to their employee’s salary?  Furthermore, as per another letter dated 30th July 2021, the Claimant wrote, ‘Should you fail to accept our offer of settlement then we will proceed to Trial and bring this letter to the Court’s attention upon question of costs in order seek further costs of £220 incurred in having to instruct a local Solicitor to attend the hearing in conjunction with the amount claimed on the Claim Form.’ I find this an extraordinary statement given the Claimant knows legal costs are capped at £50 in Small Claims Court. I cannot think of any reason why the Claimant would write this letter other than to intimidate the opposing party with the threat of an extortionate sum of money, hoping they would be able to take advantage of someone not knowing the Small Claims Court rules. Given that this letter came from the Claimant’s in-house litigation department, clearly well-versed in the law, this cannot be anything but deceitful and disingenuous behaviour which the court should never tolerate.    Contractual costs / debt recovery charge  In addition to the £50 legal costs, the Claimant is seeking recovery of the original £100 parking charge plus an additional £60 which is described as ‘debt collection costs’. In the Vehicle Control Service v Claim Number: 18 on 4th September 2019, District Judge Jones-Evans stated, ‘Upon it being recorded that District Judge Jones-Evans has over a very significant period of time warned advocates […] in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court in Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law. It is hereby declared […] the claim be struck out and declared to be wholly without merit and an abuse of process.’  In Claim number F0DP806M and F0DP201T, Britannia v Crosby went further in a landmark judgement in November 2019 which followed several parking charge claims being struck out in the area overseen by His Honour Judge Iain Hamilton-Douglas Hughes GC, the Designated Civil Judge for Dorset, Hampshire, Isle of White & Wiltshire. District Judge Taylor echoed the earlier General Judgement or Orders of District Judge Grand stating, ‘It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedom Acts 2012, Schedule 4 nor with reference to the judgment in ParkingEye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4) of the Civil Procedure Rules 1998…’ Vehicle Control Service v Claim Number: 19 51. Moreover, the addition of costs not specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  The Defendant is of the view that the Claimant knew, or should have known, that to claim in excess of £100 for a parking charge on private lands is disallowed under the Civil Procedure Rules, the Beavis Case, the Protection of Freedom Act 2012 and Consumer Rights Act 2015, and that relief from sanctions should be refused.   Alleged contract The court should consider if there is any contract to start with and if the alleged offence is on relevant land. The consideration will inevitably lead the court to conclude that there is no contract.  Also the court should note that there is no valid contract that exists between VCS and Peel. Under the Companies Act, a contract should be signed by the directors of both companies and witnessed by two independent individuals. This alleged contract, which makes no mention of pursuing registered keepers of vehicles to court, makes its first appearance as a Witness Statement. Thus the alleged contract is null and void.  The Beavis case referred to by the claimant is about parking in a car park. The claimant is here attempting to equate that case to stopping, not parking, in a bus stop and on a road that is covered by the Road Traffic Act. The defendant submits that there can be no contract as there is no offer but there is only a prohibition. Again, it is not relevant land and VCS has absolutely no rights over it. Further, the defendant would like to point out that motorists NEVER accept any contract just by entering the land. First they must read it and understand it and then, and only then can they realise that "No stopping" is prohibitive and cannot offer a contract.   Bus stop signage The signs around the bus stop do not mention who issued the “No Stopping” signs so it could not have been issued by VCS since the IPC CoP states that their signs should include the IPC logo and that the creditor should be identified. Nothing on the signs around the bus stop that says “NO Stopping” mentions VCS or Peel Investments who are now purporting to be the land owners of a public road. As the signage should identify the creditor, since it does not, this is a breach of the CoP.   The Traffic Signs Regulations and General Directions 2016 does not prohibit stopping in a restricted bus stop or stand, it prohibits stopping in a clearway. The defendant would like to ask the court to consider if any clause of the Traffic Signs Regulations and General Directions 2016 that the claimant alleges has been violated by the defendant. There is no mention of permits on the signage. If there were, would it mean that Permit holders were allowed to stop on “No Stopping” roads? Notwithstanding what the claimant calls it, the mentioned signage is NOT a contractual clause. A “No stopping” sign is not an offer of parking terms.  Since the signage around the bus stop is prohibitive, it is as such is incapable of forming a contract. Further, the defendant would like to point out that the prohibitive sign is not actually at the bus stop but a few metres before the stand itself. There is no mention of a £100 charge for breaching the “No stopping” request, or if there is one then it is far too small to read, even for a pedestrian. As already stated, a Witness Statement between VCS and Peel Investments is not a valid document. It will need more than the Claimants feather to outweigh the case against the Defendant regardless of who was driving. There is no law of agency involved. This is not a case of employer/employee relationship. VCS cannot transfer the driver's liability to the registered keeper. There can be no comparison between a railway station and an airport. This is a totally fatuous analogy which cannot be applied to this case.  As stated in the defence, it is denied the Claimant is entitled to the recovery or any recovery at all. The nefarious parking charge notice given for a vehicle on a public road bus stop was ill advised to start with.   Conclusions:   VCS has failed to present ANY reasonable and valid cause to apply to the DVLA for the Defendants details. VCS has failed to provide ANY valid  contract with the landowners. “No stopping” is prohibitive therefore cannot form a contract the event happened on a bus stop over which VCS has no jurisdiction the signage either does not show that there was a charge of £100 for stopping, or the font size was too small for any motorist to be able to read it  the signage does not show the Creditor which fails the IPC CoP and hence the signage is not valid the WS contract does not authorise VCS to pursue motorists to Court Given all these factors it seems that VCS have breached the GDPR of the Defendant quite substantially and it would appear right that an exemplary award is made against VCS in the hope that they will drop all further cases at Doncaster airport where they are pursuing motorists on non relevant land. The Defendant wishes to bring to the attention of the court that the Claimant cites an irrelevant case of a car park and tries to apply its merits to a bus stop. That in itself invalidates the entire fallacious claim. Accordingly, this case is totally without merit. Some statements are pretty close to perjury and others are designed to mislead or misdirect. None of the analogies seem appropriate or relevant. All the false information presented as a statement of truth could have been stated using half the words and without all the repetition which appears to be trying to build a strong case where there is none at all. One particularly bad example of misdirection is in the photographs. The Clearway sign shown near the bus stop is very unclear unlike the Clearway sign two photos before it which may well include terms and conditions. The one by the bus stop is totally different.   47. Lastly I wish to bring to the attention of the court, a systematic pattern of the Claimant’s court action behaviour in several of their cases. They tend to have a VCS paralegal writing a Witness Statement, then mentioning in the last paragraph of the Witness Statement that they may be unable to attend court and subsequently the paralegals never turn up to be cross examined. In the event that Mohammed Wali is unable to attend court to be asked about his claims, then I would like to know why he is not able to attend when the hearing has been scheduled months in advance, is during working hours and as a result of covid, is online, meaning there is no travel involved. Ambreen Arshad, the other paralegal employed by VCS, does exactly the same. 
  • Our picks

Citibank Communication breakdown


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4636 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

Hi,

 

Don't really know where to start with this one, but here goes!

 

Sent CCA to citibank (for credit card) on 10th Oct. - still not signed for (22nd). Can't seem to get to speak to anyone at Royal Mail about it, so now thinking of sending stuff by Special Delivery to them.

 

Problem is despite adivsing them they I couldn't pay minimum amounts etc. they have continued to charge interest, late fees and now overlimit fees, default sums.

 

Statement has just come along with a 12 page document entitled "Notice to Cardholders; Change to your Terms and Conditions and Insurance Policy Documents" Is everyone getting one or is it a very lame fob off for a CCA?

 

As I haven't actually said "in dispute" in previous letters, I was thinking another CCA - mentioning that the account is in dispute, and an SAR - what would be the best address?

Also shall I stick any other letters in there?

 

Thanks

Link to post
Share on other sites

Did you pay by postal order or cheque, and has it been cashed? It wouldn't be the first time something send 'recorded-signed' for has been delivered but not signed for. I'd personally give it a bit longer before you give up and pay again.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

Hi reallymadwoman,

I paid by PO - do you know if there's anywhere to check online? Just phoned the number found on here (after receiving your message), but they've changed departments given another number(s) to call 01246 542 091/500. Unfortunately they go home at 5.

Will try again tomorrow and post results!

Link to post
Share on other sites

I don't think there is anyway you could check online.

 

As far as I'm aware you cannot check if a postal order has been cashed online. The only way I know is to ring the number that you can get from the post office.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Sent CCA to citibank (for credit card) on 10th Oct. - still not signed for (22nd).

 

Which address did you send your CCA to, TIAW?

 

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

Link to post
Share on other sites

Update:

Just spoken to a very nice man in the postal order department and he has told me that the PO sent to Citi was banked on 14th October - so I'll take the 12+2 from there, so I guess that gives them 'till the end of the month.

I won't be holding my breath ;)

Link to post
Share on other sites

Hi Els, Sent to; PO Box 49920, London, SE5 7ZF (where they had said they were writing from) - was this a bad move?!

 

It depends; is it Citibank or Citifinancial (Citicards)?

As it happens, you now know that it has arrived, so you should get a response in due course.:)

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

Link to post
Share on other sites

Citi are sending out copies of current Terms & Conditions which they believe fulfill the criteria of a CCA request.

 

Of course it doesnt, but they are somewhat a law unto themselves - as they should send a copy of the most recent T&C along with the original executed agreement to comply with a CCA request.

 

You can try arguing with them until you are blue in the face but this is likely they're strategy that they are deploying where they cannot find the original signed agreement - happened to me as well.

 

It is likely that you will be defaulted after 3-4 months without a default notice being sent - the credit reference agencies are paid by Citi to retain information, and as such will do whatever Citi say, in my instance I continue to be referred to contact Citi - who ignore my letters.

 

I would suggest filing a complaint with the FOS, though we know on here that Citi do not co-operate with them ignoring there requests for documentation.

 

So the only course for resolution is likely to be court - unless you can live with the default for 6 years, plus side is that without the original executed agreement they will find it difficult to persue the alleged debt through the courts.

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

Hi Enron,

Thanks for your comments. I also had a People's Bank card from the 90's!

I've just been reading your thread and also SteveH2508's comments and so I know a little bit more about what to expect from them - if they decide to start communicating with me.......

I tend to agree with Steve that No CCA = No further payments from me!

I'm not really bothered about getting a default (that shouldn't really be there anyway) - it'll give me something else to complain about.

Best wishes TIAW

Link to post
Share on other sites

No doubt you've had Citi's Indian call centres badgering you to make payments.

 

Basically without an executed agreement they would find it very hard to persue you through the courts - they have to produce the original at hearing as part of CPR regulations.

 

So what we have is a game of bluff, Citi sending recent/current Terms & Conditions to fulfill a CCA request - in the hope that you accept it and continue to make payments (even if the account is in dispute). You should see the letter justifying late 07 T&C as being an executed agreement.... would be laughing, if their deception wasnt so serious.

 

The credit reference agencies will continue to record a default against someones file - even though Citi are unable to produce any signed documentation, both Call Credit and Experian have said that they will only remove as a result of a court order. But then again they were unlikely to go against the wishes of someone who pays them to retain said Data. To their credit Experian were not satisfied and removed the default.

 

I'm contemplating legal action against Citi over this, effectively they dont have the documentation, but have proceeded request payments on the alleged debt, default the account etc. So would certainly make interesting proceedings.

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

Things have been strangely quiet on the phones - I've only received a couple of lame 'phone us to discuss your situation letters' so far....haven't checked recently to see if they've updated my credit file (been too busy buying £1 postal orders!)

 

How do the CRA's get away with recording the information without documentation?

Is there someone we can report them too?

Are Citi allowed to pay them?

 

It certainly would make an interesting hearing, although without an agreement how far would it get?

Link to post
Share on other sites

Latest from Citi,

Received a 'Pending Default' letter today (29th) - dated 21st Oct. wanting a response within 7 days of reciving the letter, why did the letter take 8 days to arrive? (when will they expect a response by?)

http://i443.photobucket.com/albums/qq154/thereisanotherway/citibank.jpg

In the meantime they will default on my CCA request if I don't hear anything by Monday.

Should I respond to this letter, or should I wait until Monday to see if they send CCA?

Thanks

Link to post
Share on other sites

There is the possibility that they could come up with the CCA, at which point if it is enforceable they could request the full amount.

 

The decision is upto you, however if they dont supply it technically they should not be defaulting you.... though they likely will and claim that the T&C are your executed agreement which is bull.

 

But as with all things some banks believe that they are above the law.

 

I've got a feeling that default notice is not correct, but would have to confer with someone on that point, will get them to take a look, but then again at least you got one - I was defaulted without receiving one (technically making the default unlawful).

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

Thanks Enron,

Your thoughts are much appreciated. There's no way I can pay the full amount, so hopefully there'll be a Plan B!

I may just send them a note to say their letter was received on 29th.

Any more thoughts on the validity of this notice welcome......

Edited by thereisanotherway
spelling!
Link to post
Share on other sites

As with all these things the decision is yours.

 

However in light that they have not provided you with a copy of the executed agreement, as par the s78 of the Consumer Credit Act 1974 they are legally unentitled to enforce the agreement against you - until they produce an agreement.

 

If you instance is anything like mine they will provide you with a copy of the current Terms & Conditions, which do not fulfill the CCA request, but they will stick to their guns and give you a poor excuse as to why it does fulfill their obligation.

 

What is likely if you cease making payments they will continue with their standard process, get indian call centres to badger you for payments and then default you.

 

If you believe the calls amount to harassment get in touch with Salford trading standards, or your local trading standards department - in my instance stating that you'd persue legal action worked.... got the paperwork ready if they recommence.

Edited by Enron

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

Try this one and modify to suit.

 

Pre action protocols before litigation. (Can be used in both scenarios where you are indicating Court action or they are.

 

 

 

 

 

 

 

 

Their address

 

 

date ****NOTICE UNDER CIVIL PROCEDURE RULES***

 

reference

 

 

 

 

 

Dear Sir/Madam,

 

 

This is in acknowledgement of your letter dated ................and also of .............The contents of which have beed duly noted.

Further to you stressing that County Court proceedings will be actioned by yourselves should I fail to make contact/stressing that proccedings are about to be commenced in regard to alleged sums outstanding and alleged owed by me on the above account,I remind you of Civil procedure rules protocols.

 

 

I put forward that you now have a requirement to provide me with;

 

 

1) A true copy of the executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened. Please note that a "true copy" as defined by the Consumer Credit Act will not be acceptable in this case, and a copy of the actual executed agreement, including signature, is required.

 

2) All records you hold on me relevant to this case, including but not limited to

 

1. A transcript of all transactions, including charges, fees, interest, payments and both the amounts of credit and any repayments made to the account.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations

3. Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the account held by me with........... is required.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you sent to me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998.

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I make this request to ensure that each party has equal footings which can allow action to proceed speedily fairly and without undue costs or waste of courts time,as defined within Pre-action Practice Directions -Protocols 4.6 of the Civil Procedures Rules.

I will give you 14 days to respond with the above,failure to comply will result in a complaint being made to the Court./In addition to the FOS for any breaches of OFT and CCA codes.This includes breaches as a result of initiating a Country Court claim where failing to provide or produce documents make litigation improper..

Specifically this relates to one or any number of the following;

 

* demand any payment on the account, nor am I obliged to offer any payment to you.

* add any further interest or charges to the account.

* pass/sell the account or outstanding balance to any third party.

* register any information in respect of the account with any of the credit reference agencies.

* issue a default notice related to the account.

 

Furthermore,I reserve my right to make a copy of this letter available for inspection to the Court and Financial/Consumer regulators should you fail to comply with this request.

I await your response,and should you need further clarification on any of the above points,then I suggest that you direct them to your legal department.

 

 

 

Yours Faithfully/Sincerely

 

 

 

 

......................... . (not to be signed) Print name

 

 

Dated..........

 

 

 

Add ammend or delete those parts that apply in your case.Send recorded delivery.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Thanks again Enron for your pearls of Wisdom.

 

Thanks also Martin for a wicked letter - will send citi a personalised version as soon as cashflow permits!

 

Citi have just sent a current CCA with covering letter - 'we regret to inform you that section 78 CCA 1974 does not require citifinancial to provide you with a copy of the executed agreement as you appear to believe.' and other such squirming sentences. Quoting 180 Power to prescribe form etc of copies.

http://i443.photobucket.com/albums/qq154/thereisanotherway/citibank2.jpg

 

Does this mean they haven't got my CCA? If they had, surely they'd just send it, instead of another copy of current t&c's to fob me off with?

Link to post
Share on other sites

They have not complied then.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...