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    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
    • Hi   I am sorry to hear of your recent loss   The Club I assume you joined would more than likely have had Terms & Conditions, Data Protection, Privacy Policy and did you sign any Agreement to join that CLub?   On Facebook did they actually Name (use your name) on the posts or did they use mum/mother etc?   As has been asked could you give us some background for your reason to send the SAR. If they have refused to give you certain Personal Data under your SAR request then I would suggest writing to them and refering to your SAR Request and their refusal to provide XYZ you requested and that you require clarification as to why this was refused and under exactly which Article of the General Data Protection Regulations (GDOR) they are relying on for this refusal.   The Clubs Constitution is only how the Club is setup you need to ask them for copies of the following:   Data Protection Policy   Privacy Policy (note the above policies may be on that Clubs website if they have one)   This link breaksdowns the General Data Protection Regulations (GDPR): https://www.privacy-regulation.eu/en/index.htm      
    • who assured you you'd get notification of no int time limit ending? thats not a normal MO of these BNPL agreements they are not onliged to warn you?   when did you rake this out and when did you try to pay the Org Sum?      
    • well thats why they got you on this vanquis debt they mugged you on the otherone and saw you were an easy touch and a cash cow.   send vanquis an sar  get all the statements.   to be honest it quite shocks me you've here since 2007 and are talking on phone to a dca?   dx  
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
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I decided to CCA Citi cards on 18th June, they cashed the cheque but no CCA. How long is it before I put them in dispute?


Thank you

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12 + 2 working days.






Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Still no CCA, I received a letter last week thanking me for my patience. I have given them long enough 2 months!!!!!!!! will now send them the account in dispute letter.


Meantime they have passed the account on to their collection agency, collections direct????, they are trying to scare me with the CCJ letter. The funny thing is the account is pretty much up to date!

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Citi are well aware that whilst they have not provided a copy of the "executed agreement" to you after the statutory period, they should not be enforcing the agreement.


The Office Of Fair Trading has clarified that a creditor who is in default of the a s77/s78 request is not entitled to enforce the agreement at all either with or without a court order - which would extend to requesting or chasing payments under that said agreement until which time they provide a copy of the "executed agreement", or the details present in that original agreement.


They are entitled to exclude certain information such as signature, signature box, signature date, and can retype the document if needs be, but the document should exactly match the original - and not be a copy of the Terms & Conditions, or varied Terms & Conditions as some creditors have been doing.


In appointing a debt collection agency Citi are being their normal self, rules, regulations and laws don't apply it's only the bottom line that matters.


I would suggest complaining to the OFT about the absence of your s77/s78 request under the Consumer Credit Act being delivered to you, and state that the creditor (Citi) are clearly still enforcing the agreement against you in a period that they shouldn't as they are employing a debt collection agent who is badgering you for payment.

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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Still nothing!!!!!!


I'm getting worried :eek:

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You won't get anything out of Citi, there are lots and lots of us waiting on a reply - this has been ongoing for a couple of years for some of us.


That said they are likely to try to continue to enforce the accounts despite being legally barred under s78(6) CCA.

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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Well after all this time I have received a Small Claim Summons from Cabot regarding the Citi Card!!!!!!!!!!!!! Not sure what to do.

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What have you received? Summons? Do you mean a County Court claim pack and defence forms, etc?


Actually, having them take action against you will be helpful as you can formally request documentation relating to their claim now it's in the Court system - something you can't do without having took action against them yourself.


They must be fairly confident of a win, but I can't see how they can win with no agreement :lol:


Can you post up what the particulars of claim say, removing personal and identifying information?


When was the claim issued - the exact date on the top right of the claim form - and when does it say you have to acknowledge the claim until?


Is there anything attached to the claim form?


Was it issued in Northampton, or a local County Court?


There's more questions I can ask, but let's take one step at a time... :dance:

Always happy to help where I can!


Beware of legal advice given on a private forum - do you REALLY know who is posting? Are they REALLY accountable for their posts? What if you follow their advice and get something wrong?

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This is very strange,since Cabot will usually bombard with monthly letters before initiating any claim.

If that has not happened,then they have not followed CPR protocols.

Can you confirm that you have had nothing from Cabot prior to the summons ?

Also what is the amount being claimed on the claim form ?

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 for looking at this Chris.... you were the very person that sprang to mind when I read the post.


CPR request to view the original executed agreement I believe, knowing that Citi in the past has doggedly resisted parting with them - even to companies who have purchased accounts from them.


Certainly 1st Credit weren't able to obtain it for love or money, despite the fact that Trading Standards were able to furnish me with it months earlier.


Could possibly do with finding out a bit more detail, i.e. when the account was opened etc.

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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