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CitiBank, no CCA forthcoming.


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Mee too. Having heard nothing from Citi in over a year other than via Clarity I was surprised when I got a package from City entitled "Your Credit Agreement Request". This is the same as Allets has shown above. Glad to see that I've not been singled out!

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  • 2 weeks later...

Did anyone else get a follow up lettter? I have a letter stating that because they have satisfied my request they are closing my complaint!

 

I responded to their previous letter stating in no uncertain terms that I did not consider that they have satisfied my request and so I'm wondering if I am alone here or if others got the same letter as before?

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Did anyone else get a follow up lettter? I have a letter stating that because they have satisfied my request they are closing my complaint!

 

I responded to their previous letter stating in no uncertain terms that I did not consider that they have satisfied my request and so I'm wondering if I am alone here or if others got the same letter as before?

 

I did not think that their pile of poo was worth a stamp in reply so I filed it under ignore. I have not heard a peep since.

 

I think replying to every letter they send is pointless unless it raises something new. They know damn well what the law is - they are hoping you don't.

 

'No further correspondence will be entered into' is one of their favourite phrases. Take it literally!

Nationwide - Prelim sent 02/07 - MCOL filed 04/07 CHARGES SETTLED IN FULL!!

Woolwich- Prelim sent 04/07 - Offered 90% - 06/07 accepted

MBNA - Prelim sent 02/07 - CCA request sent 03/07 - CCA reply (illegible + no T&Cs) - DCA sent packing - Restons now trying - gone quiet

Citicard - Prelim sent 02/07 - CCA request sent 04/07 - replied 04/07 No contract & not enforcing!- passed to 1st Credit- gone quiet

Egg - Prelim sent 02/08 - 3 letters - full offer 03/08 SETTLED IN FULL!!

(All starry, rep, clicky thingies gratefully received!)

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Hi,

Now subbing to your thread Allets.

 

Not familiar with Citi but after requesting CCA for my OH which is now overdue, they have written advising that they are transferring ownership to CC Asset Management Ltd (CCAM)

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Hi,

Now subbing to your thread Allets.

 

Not familiar with Citi but after requesting CCA for my OH which is now overdue, they have written advising that they are transferring ownership to CC Asset Management Ltd (CCAM)

 

was that sent recorded delivery or just ordinary post?

 

if the latter then i would file and ignore it

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For what it is worth I never ignore their letters, well apart from the obvious crap that they spill out, I reply in detail at first and in each subsequent letter I refer to my previous letters by date. I know that this frustrates the hell out of them when you eventually get someone who notices, something like "I refer you to my letters of xx/xx/xxxx, yy/yy/yyyy, and zz/zz/zzzz from which your should by now fully appreciate why I consider this matter to be in dispute. Whilst the account remains in dispute, you are not permitted to ask for any payment and I am not obliged to offer any payment to you. etc., etc."

 

When they reply they invariably want to know chapter and verse and when you just keep referring them back the letters you previously wrote which no one can find it highlights how inept they are.

 

If the matter ever came to court i would use this to my advantage whereas failing to respond I think could be frowned upon.

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Good afternoon, Mrs Z here,

 

Mr Z has received the exact same documents as the OP but sent from a DCA and not Citi.

 

In their covering letter they quote The Consumer Credit ( Cancellation Notices and copies of Documents) Regulations 1983. They go on to say and I quote:

 

Pursuant to these regulations, we are required to provide you with a 'true copy' of the agreement. Specifically I would refer you to Regulation 3 (2) which states that the agreement is not required to be an exact replica of the original document but may omit certain information including any signature box, signature, or date of signature.

 

They finish with:

 

We consider that this document fulfils our legal requirement and that this debt is now enforcable.

 

Enron, your view on how to proceed would be much appreciated.

 

Kind Regards

 

Mrs Z :)

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Will PM 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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We consider that this document fulfils our legal requirement and that this debt is now enforcable.

 

 

Enron will give good advice on how to respond but just to say that they can give their opinion that this debt is now enforceable but only a court can determine it Yay or nay. Just because they would like it to be so doesnt mean it is :-D

 

S.

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At the end of the day we are all lay advisers on these issues, just that some of us have more experience in dealing with these kind of situations than others.

 

Ultimately what you decided to do is up to you.

 

With reference to what steps to take, we all have asked for copies of the executed agreements, not to escape any liability, but to judge whether the paperwork is properly compliant. In light of being able to scrutinise a copy of the "executed agreement" we can then judge whether it is legally enforceable, and then negotiate with the creditor post this event.

 

But the fact is that Citi have played fast and lose with the facts, to the extent of breaking their own internal code of conduct, getting a copy of an actual "executed agreement" has been like getting blood out of a stone. Even parties to who they sold accounts don't possess copies -- which does bring up the question of right to process data with the CRAs.

 

My feeling is that prior to 2006 Citi had a process of only retaining copies of the front of executed agreements, to the exclusion of keeping a copy of the back...... and this is the reason for all the fun and games. Without the original, they would have to have a very persuasive arguement to how front and back of copied executed agreements related to one another. i.e. were they truely a genuine copy, and not a conjectured reconstruction.

 

And if you were to be threatened with legal action, there would automatically be the option for you to submit a CPR request to view the original executed agreement -- which would clear any doubt in the matter.

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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All current Citi Card holders would have received the same letter, it looks as if all their UK accounts have been sold to a third party.

 

Once the transfer has happened, time to do your s78(1) CCA request again and see what turns up.

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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Yes ltc, quite a few of us have, it seems they have done a bulk sale.

 

There are some links on my OH's thread, only just started with them so the account would have been up to date when ours was sold (never missed a payment either)

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Don't know whether it is just here, or in other countries that the accounts have been sold.

 

But believe me, I think Citi have lots of problems with their documentation -- hence why for the past 3-4 years all that is being sent our are copies of Terms & Conditions. Essentially they've sold the accounts on, and the problem of not retaining full and true copies of executed agreements onto a third party.

 

Still once the transfer has gone through, time to submit those s78(1) CCA requests again.

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 for that but am I right in saying the account should not be sold if it is in dispute?

Yes, that is also my understanding. I think that is why they are trying to suggest they have complied and put to rest any dispute.

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Ah, how looking at your heart icon I've left wondering just what you said that was removed. Was it the wrong thread or the wrong forum? Did you mean to post into one of those dating sites? If so, you could have left the comment and really got us all talking!

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  • 4 weeks later...

Hi all has anyone else had problems with CITI cards not sihning for recorded delivery at the PO Box 49920 address as it could be the reason nobody hears from CITI just had a conversation with Post Office as I have sent 3 recorded and none signed for the Post Office say a lot of them will not take recorded delivery.

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