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    • i would suggest you look at the dates of posts on those other forums paypal do not sell debts and even if they do, there is stuff and all any debts buyer could do yo you in the UK. forget it, or even better go complaint to your bank and tell them paypal did not advise you £1200 would come out of your a/c, which they should do, and that it was the result of fraud. you don't have to tell them any details.   as for the rest of your debts..   debt IS NOT A CRIMINAL OFFENCE IN THE UK..where the beep did you get that from!!   pers i'd be opening a parachute account and getting asll your income paid into that so NO-ONE can get their hands on it. cause NW are just about to introduce 40% OD int rate and they will forever be draining you of money   get OUT NOW from them.   dx      
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[EXHIBIT x, x & x].   5) On 30/07/19, I received a claims form from the County Court Business Centre, Northampton, for the amount of £369.84. The claimant contends that the claim is for the sum of £369.84 in respect of monies owing under an alleged agreement with the account no xxxx  pursuant to The Consumer Credit Act 1974 (CCA).   6) Contained within the claimants particulars the claimant states that the account was subject to assignment from Provident to Vanquis. The claimant states a further assignment to them occurred on 12/06/2017 with notice given.    7) It is denied notice of assignment from Provident to Vanquis and subsequently Vanquis to Lowell were ever received.    😎 The claimant states documents were received at both addresses. The claimant doesn’t appear able to confirm my address and therefore cannot say with certainty said documents were received. Furthermore, the client did not issue said documents and therefore cannot prove delivery.     9) It is denied any communication took place with myself and Vanquis Bank Limited. Any alleged legal assignment to part of the “Fresh Start” initiative had not been informed. I have no previous knowledge.   10) Under the consumer credit act 2006, until debts have been repaid, there is an obligation to send statements and notices to the debtor at prescribed intervals at no more than 12 months. The statement should explain the money borrowed, money paid, interest in all cases and the outstanding amount. Consequences of failing to make repayments and the opportunity of making minimum payments should be informed. The Claimant has submitted a statement of accounts dated March 2019. This having followed my request for a credit consumer agreement. It is denied this document and any such required statement of accounts required under section 77A during the alleged agreement were ever received.   11) The claimant states that a default notice was issued on 18thJanuary 2017. The payment date requested by Vanquis Bank Limited on said document is  28thFebruary 2017. The formal Notice of Default that was accompanying this letter displays a requested payment date, 28thFebruary 2019. (Exhibit x, x)   12) I argue that this is not in fact a COPY of an original default notice, that they state was issued during February 2017, but that this is a fabricated version of a default notice created by Lowell. Either way the default notice was not issued by the assigned creditor (Vanquis).   13) It is therefore contended that the original creditor failed to serve a valid Default Notice pursuant to section 87(1) Service of a notice on the debtor or in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor of a regulated agreement.   14) The Claimant states a default notice was not required. If there is a default in payments during the fixed term a default notice must be issued. The Claimant states they were informed a default notice was sent on 18thJanuary. The Claimants case relies upon being informed and does not constitute fact.   15) It is denied a default notice was ever received.    16) It is admitted I responded to the Claimant’s pre-action protocol letter addressed in my name. I indicated I did not know if I owed the debt. I indicated as such having no recollection of affiliation with Vanquis nor Lowell. A default for the allege debt appearing on my credit file only November 2019.    17) I understand that the claimant is an Assignee, a buyer of defunct or bad debts which are bought on mass portfolios at a much reduced cost to the amount claimed and which the original creditors have already written off as a capital loss and claimed against taxable income.   As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee purchases debts (or otherwise acquires rights under a credit agreement) it also acquires certain obligations to the borrower including the duty to comply with CCA requirements (such as the rules on statements and notices and other post-contractual information). The assignee becomes the creditor under the agreement. This ensures that essential consumer protections under the CCA cannot be circumvented by assigning the debt to a third party.   18) Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
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Varuna v CitiFinancial

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Late last October I sent a s.78 request under the CCA to Citi. They ignored it but after a reminder then sent me 15 pages of what appears to be the current T&Cs together with a confused (and perhaps intentionally confusing) letter. I duly replied in March this year referring them to the OFT guidance on the CCA (www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft1002.pdf), saying that they had not supplied what was needed, that they were in breach and that although I would continue to make payments to them I reserved the right to seek to recover any interest paid in the meantime and to complain to the appropriate Trading Standards Office.


Towards the end of March Citi replied disdainfully saying that I'd better make sure I continued paying, that they'd supplied what they were legally obliged to, that no dispute existed and my complaint was therefore closed and that if I didn't like it I could take it up with the Finance and Leasing Association or with the Financial Ombudsman.


These two letters from Citi are attached in the PDF "Citi letters re CCA".


I duly reported Citi to the local TS office who eventually persuaded Citi to make another effort to fulfil their s.78 obligations and a few days ago I got a letter from someone else entirely at Citi referring to what he called my recent CCA request and enclosing two sets of T&Cs, one current and the other claimed to be the original and those to which I agreed when I opened the account in summer 2003.


I'm attaching a second PDF titled "Citi agreements etc" which contains four documents. Doc 1, 2pp, is a copy of my original application; Doc 2, 2pp, is the original card carrier copy; Doc 3, 1 PDF page is a copy of the first and last pages of an 8pp leaflet printed in blue on 1 1/3 A4 on both sides and folded to 1/3 A4 in size. These three documents are from my own files.


Doc 4 is the first page of the (effective) 9pp set of original T&Cs which Citi has just sent me.


Here's where it gets interesting and it's around this area that I'd welcome some comment and advice.


It happens that with Citi I've actually kept quite a lot of material and so I was able to compare what was sent with what I had and things don't really match in a number of respects.


Doc 1 appears to be a validly completed Application Form. However, it also says that it's an agreement regulated by the CCA 1974 and, assuming the half page goes with it, which I think it probably does, it appears to include the necessary other information such as interest rates. However, a. it's not signed by Citi and b. the interest rates aren't specific to me but consist of a range of figures for different types of card and within those cards themselves. While it's not entirely clear from the copy the box at the very bottom right doesn't have a holograph signature but holds an alphanumeric code of some sort.


My guess is that this is actually a pre-agreement application, despite the claims to the contrary. I'm certain also that I would not have received a copy of this duly signed by an office of Citi Financial (as otherwise it would be in this file). Is this possibly enforceable?


Doc 2 is, as I mentiones, the card carrier agreement and I'm pretty confident it's the first one I received. That being so it could count as the executed agreement although of itself it's not sufficient to ensure enforcement of any agreement.


Doc 3, I'm also pretty confident, is an enclosure which came with that first card although unfortunately I haven't dated it on receit. In the case of Doc 3 and Doc 2 the leaflet IDs suggest a date of [20]04 or possibly earlier.


Partly because of the tiny type in Docs 2 and 3 I haven't fully compared the content with Doc 4. Certainly Doc 4 is laid out very differently from Docs 2 and 3 (let alone Doc 1). However, there are certainly several substantive differences: for instance, the interest rates differ as between Doc 2 or Doc 3 (which are the same) and Doc 4; the address on Doc 4 is Reading while that on Doc 3 is Manchester and on Doc 2 a London PO Box.


Hence it seems to me that Doc 4 cannot in fact be a copy of the executed agreement, assuming that I'm correct about the dates of both Doc 2 and Doc 3 and that Doc 2 is the original card carrier agreement. Nor could it be the executed agreement if Doc 1 turned out to be so, being significantly different from that document.


In short, therefore, I'd say that Citi still hasn't completed its s.78 CCA obligations. Would others agree?

Citi letters re CCA.PDF

Citi Agreements etc.pdf

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It looks like you've managed to achieve the impossible in obtaining a copy of your executed agreement, albeit with the assistance of your local trading standards department.


Citi are a bunch of cowboys in that they operate contrary to law and regulations, as many of us have experienced here they simply are not fulfilling s78(1) CCA requests properly, despite their feeble justifications to the contrary new Terms & Conditions cannot complete a s78(1) CCA request for an earlier agreement. The regulations confirm it, and so does an expert witnesses view on what completes such a request.


Essentially they are trying to pull the wool over customers eyes, whether that is because they have a small Compliance Department and the time to fulfill such requests is not enough for them or because they have many faulty or missing executed agreements is up for question. Either way attempting to mislead customers in direct contravention of Citi's own Code Of Conduct is far from how you would expect a bank to operate. The subsequent damage to peoples credit files is unforgiveable, but Citi basically don't care.


I'm going to request someone who is good with CCAs to look at the copies of your agreement.

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, Enron - and I appreciate the offer of having someone else look at the copies.


In fact, however, I don't think Citi has supplied a copy of the executed agreement. The application form/agreement signed by me (Doc 1) came from my own files. If it was subsequently signed correctly by Citi and it conforms to the requirements of a proper agreement under the CCA then it's the executed agreement. What Citi has sent me is 9pp of what they claim was the agreement in force at the time of opening the account - but this is very different from, and much longer than, my Doc 1 which consists merely of the few paragraphs on the application face and roughly half a page on the reverse (and with material differences between the two).


If, conversely, my Doc 1 is not the executed agreement then there is no agreement assuming that, as I'm certain is the case, I didn't sign any other agreement, post-application or whenever.

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1) I dont see any prescribed terms on your copy of the application form


2) and unless Citi have a copy / original of that with the prescribed terms on the back and THEIR signature then it cant be executed.. can it :confused:

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Apologies - I got confused with another (MBNA predecessor) application form and remembered this one wrongly as having some T&Cs on the face together with a reference to more on the back. In fact it doesn't although I'm reasonably sure that what was on the back was the half page I mention and show in the agreements pdf.


As I say, what I think may be the case is that Doc 1 (that is, the app form + the half page T&Cs) was signed by me and returned, perhaps then being signed by Citi. When the card arrived it would be on the card carrier copy (Doc 2) and possibly accompanied by the blue printed leaflet, Doc 3.


If that's the case then as you say, cB, the document I signed does not have on it the prescribed terms although perhaps both Doc 2 and Doc 3 do have, although of course the first time I would have seen them was after the application was signed and returned and when the card duly arrived. Citi may therefore want to argue - wrongly, of course - that by taking and countersigning my application and duly delivering the T&Cs to which I'm presumed to have agreed, while giving me a period to cancel (as required) I have duly assented to the agreement.

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Citi it seems have produced an application form and not a valid cca?



I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.


Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement


PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc


1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***


Please do not PM me for advice as it may be sometime before I can respond.


Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.


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Citi it seems have produced an application form and not a valid cca?



No - the application form is a copy from my own files. What Citi sent initially was merely the current T&Cs. What it's now sent (following the intervention of the local TSO) is both the current T&Cs and the T&Cs which, it claims, were the ones in force at the time the account was opened. (It's also sent the necessary account balance etc. information).


When I glanced at it when it first came last week I thought everything was probably fine but now I'm not so sure, as much as anything because of the material differences between what Citi has just sent me (identified as Doc 4 in my post above) and what I have in my files from when the card was issued.

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Keep plugging away for a copy of your executed agreement.


Obviously the original T&C, or the new ones are not your executed agreement.

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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