Reclaiming Charges & Cca ?

[hypern12]

Am in the process of claiming back charges made by Citi cards over the last 6 years. Would it be cheeky to CCA them as well ?

[BankFodder]

Not at all.

[hypern12]

Not at all.

Would not like to upset them. ha ha

[MARTIN3030]

They probably wont be too suprised anyway-most of the Citi claimants on CAG have requested it.

[hypern12]

They probably wont be too suprised anyway-most of the Citi claimants on CAG have requested it.

Started claiming the charges before i knew about this forum used the template letters from GMTV site.

They knocked back my claim so sent the threat of court action will see what happens !

[Enron]

They'll likely defend it all the way - most likely instructions from HQ in the USA.

 

However we've had many successes, Citi being most reluctant to back up the conflicting cost pre-estimates with proper figures when orderred to by courts.

[hypern12]

They'll likely defend it all the way - most likely instructions from HQ in the USA.

 

However we've had many successes, Citi being most reluctant to back up the conflicting cost pre-estimates with proper figures when orderred to by courts.

Thanks Will let you know when i recieve response

[hypern12]

CCA on its way

[hypern12]

Seem to have upset Citi cards they are chasing up arrears on account.

[hypern12]

16 days since CCA sent to Citi cards.

No answer of any kind what should i do now ?

[Enron]

They will likely follow normal procedure in this instance, ignore the customer and continue to operate the account as normal despite not being legally entitled.

 

This could impact on your credit file as obviously they will place late payment markers and a default against your credit file...... however if you are ok with that, the law is on your side, wait for their response.

 

I'd be tempted to chase up the copy of your executed agreement in writing, if you hear anything let me know as there should be an ever increasing pile of complaints that the OFT have... which could come into action when Citi begin to commence the process of renewing their credit license later this year.

[hypern12]

They have already placed late payment markers on my credit file not really concerned over that. Should i just resend the original cca request or another type of letter ?

[MARTIN3030]

Send a non compliance letter-theres one in the CAG library.

You should not need to resend a further request,and nor should you do so.

[hypern12]

Thanks Martin3030 will do

[hypern12]

Following my claim for repayment of charges off Citi cards they have not answered my letter dated 3rd May 2009 where i threatened court action if they did not refund the said charges.

I asked for a full response within 14 days and am still waiting. !

What should i do next. ?

[the_shadow]

Following my claim for repayment of charges off Citi cards they have not answered my letter dated 3rd May 2009 where i threatened court action if they did not refund the said charges.

I asked for a full response within 14 days and am still waiting. !

What should i do next. ?

 

If they havent responded then you'll need to issue a court claim to get the charges back.

 

S.

[hypern12]

Got a response from Citi cards today they have offered me the difference between the current £12 charge and the past charges of £20 & £25 that have been applied to the account without admitting any liability. !

Some of these higher charges go back 6 years and they have not even added any interest in their offer.

They also state that if the account is left active i agree to them adding further charges of £12 that will not be refundable.

They enclose an agreement for me to sign return to accept their offer in a full and final settlement of my complaint.

Any thoughts ?

[hypern12]

Not sure if i should accept the offer if it means i agree to all their charges in the future. !

[Enron]

Standard offer, I personally would refuse, but be prepared to have to go all the way to court - as they will defend.

 

That said we do know alot of their weaknesses.

[hypern12]

Have had to send another cca request the Post Office lost the original one even though it was sent to be signed for. Oh well

[hypern12]

Standard offer, I personally would refuse, but be prepared to have to go all the way to court - as they will defend.

 

That said we do know alot of their weaknesses.

Have got financial ombudsman involved in reclaiming charges issue see what they come up with before i take court action.

[Enron]

Sensible, hope you get on ok, from experience Martin3030 had Citi just ignore the FOS...... but keep us posted on what happens.

 

Either way Citi will be billed £450 for the trouble of your complaint going to the FOS.

[hypern12]

Result ! Citi cards back down and offer to pay up in full + interest

:)

[the_shadow]

Result ! Citi cards back down and offer to pay up in full + interest

:)

 

Well done! Citi are well known for playing hardball, you've done well there.

 

S.

[hypern12]

Thanks to all for the help

:):)