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    • doh sorry was on phone screen. i think thats all ok,  let @AndyOrch confirm 1st please. dx  
    • Same date as poc then i dont like the agreement either, it just smells to me, but i can't find a like one of that era to compare against. this is only 10yrs old, so weight that up, i'd say enforceable & most are from the ear as a whole here. it cant be a recon as they must state so, and it wouldn't/doesn't need to have a tickbox+typed name to be so either. >80% loss if you go fwd, unless you can pay the CCJ within 30 days of judgement in FULL, might be time to consider a tomlin/consent, as much as i hate link, if you don't want to gamble on a very small chance of a win or can't pay within 30 days if you lose. what date is the hearing? dx    
    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
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    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
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Gizmo111 V Citicards**PAID AFTER BALIFFS VISIT**


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You can claim for contractual interest, though the majority of us have claimed for 8%.

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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Steve, can i claim my interest from them and then the 8% on top afterwards?

 

Shovey you either claim contractual interest or s69. What have you actually asked for in your prelim and LBA?

I seem to recall you started your own thread - it would be easier if you posted on there so we can keep up with your story in one place.

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 1 month later...

Hey Gizmo111,

 

Just wanted to wish you luck !!!

I am currently also taking citi to court. Handed in my small claim on 25/01/07

 

Hondamad,

__________________

EGG CC Default Removal: Have reported Egg to Trading Standards, Summery Claim - 2nd Hearing Date 09/10/07. Click here to read posts

Monument CC: received statements, now need to send letters. . . !

BoS Current Account: Settled

Citi Cards: Hhmm seems like I have sued the wrong “entity”. Aaaaahhhhh . . .. oh well back to court I go, and they have settled in full!!!

 

:-D:p:D

This is just advice from me. If you are not sure please seek legal advice. However if what I have said has been helpful, than please add to my reputation by clicking on the scales :D

 

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Hey Gizmo111,

 

Just wanted to wish you luck !!!

I am currently also taking citi to court. Handed in my small claim on 25/01/07

 

Hondamad,

 

Thanks Honda,

 

Court hearing is 22/02.:)

Consumer Health Forums - where you can discuss any health or relationship matters.

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Gonna be there for moral support, and driving duties if need be.

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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Thanks Honda,

 

Court hearing is 22/02.:)

 

 

Wonder if Brian will come to you, me or EmpireStrikesBack on the 22nd??!! Busy day for Citicards if they still don't want to settle beforehand!

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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Wonder if Brian will come to you, me or EmpireStrikesBack on the 22nd??!! Busy day for Citicards if they still don't want to settle beforehand!

 

Be an interesting day - have to share phone no's beforehand.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Good luck on 22nd Gizmo.....I'll be keeping an eye on this one:D

Citi Cards

- S.A.R sent 29/01/07

- Statements received 08/03/07

- First Request sent 12/03/07

- LBA Sent 21/3/07

 

Bank of Scotland

- S.A.R. sent 27/02/07

- Request for Payment sent 14/05/2007

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Hi there, im fairly new to all this but i am currently taking HSBC to court for around £1500 but i am very wary of doing the same with Citi cards as i have read that they are actually contesting the claims?! i have sent the usual 2 letters before court action asking/demanding they pay me the £763 that they have charged me (including 8% interest). I have recieved a letter from a Mark Clibbens saying that "it may take between three and six weeks as they (statements) are retrieved from our archives" blah,blah and that he will confirm in writing the outcome, so what i want to know is do i to to moneyclaim online? Please,please can you/anyone help or advise me? Many thanks-Craig

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Yes it's definately worth continuing your claim against Citi Cards.

 

There current policy once you begin a claim against them is normally to refund the difference between higher charges and £12.

 

Of course if you nolonger have an account with them, you can refuse to accept the cheque. My personal believe is that the refunds are being made to make Citi look reasonable in the eyes of the court, and not necessarily for your benefit.

 

They are contesting all claims at present, however I would urge you to follow through the entire process. AS IT'S CITI WHO HAVE BEEN COMMITTING UNLAWFUL ACTS AND NOT YOU!!!!!!!

 

Court might seem a daunting prospect but the small claims court is in an informal setting, and as long as you prepare thorough enough you should have no problems in attending. There are lots of people here with the knowledge here to help you.

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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My claim against citi had £900 debt which was all charges (and more) and they refunded the difference between charge and £12 and sent it to Cabot (dca) as they had sold the debt. Couldn't fathom that one out..

 

Hi ANdrew and what did you do after that - did you persue the balance - is this still ongoing?

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi Andrew,

 

Also, if they have (I'd check with the DCA) I'd still persue the full amount from City as they have no right for "set off" as citi do not own the dca therefore can't transfer funds from one account to another.

 

Check with the FSA website or google "Set Off" for more info.

 

 

Cheers

 

 

Pj41

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  • 3 weeks later...
Good luck on Thursday, Gizmo.

 

Watching closely!:)

 

Elsinore

 

I'll let you know outcome Thurs night - If I am too drunk on champagne thne Enron who is kindly supporting me in court will let you know.;)

Consumer Health Forums - where you can discuss any health or relationship matters.

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I'll likely be back in the afternoon and will let people know what happens.

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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Good luck Gizmo.....fingers crossed for you!!

Citi Cards

- S.A.R sent 29/01/07

- Statements received 08/03/07

- First Request sent 12/03/07

- LBA Sent 21/3/07

 

Bank of Scotland

- S.A.R. sent 27/02/07

- Request for Payment sent 14/05/2007

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Just got back and must admit it was a very interesting process.

 

The judge has orderred full disclosure. A fact that Citi will be aware of through their solicitor.

 

Aside from that Gizmo1111 will update you later on once she has finished work this afternoon.

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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Probably stupid question but what does Full Disclosure mean?

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Basically means exactly as it says.

The Judge has ordered Citi to disclose full details of their charging regime and that means their actual costs.

 

Come on Giz...where are you ??????:rolleyes:

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.

 

 

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Thanks Martin!

 

Do you think this have any effect on my court date against them in 13 days?

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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