Jump to content


  • Tweets

  • Posts

    • Hmm yes I see your point about proof of postage but nonetheless... "A Notice to Keeper can be served by ordinary post and the Protection of Freedoms Act requires that the Notice, to be valid,  must be delivered either (Where a notice to driver (parking ticket) has been served) Not earlier than 28 days after, nor more than 56 days after, the service of that notice to driver; or (Where no notice to driver has been served (e.g ANPR is used)) Not later than 14 days after the vehicle was parked A notice sent by post is to be presumed, unless the contrary is proved, to have been delivered on the second working day after the day on which it is posted; and for this purpose “working day” means any day other than a Saturday, Sunday or a public holiday in England and Wales." My question there is really what might constitute proof? Since you say the issue of delivery is a common one I suppose that no satisfactory answer has been established or you would probably have told me.
    • I would stand your ground and go for the interest. Even if the interest is not awarded you will get the judgement and the worst that might happen is that you won't get your claim fee.  However, it is almost inevitable that you will get the interest.  It is correct that it is at the discretion of the judge but the discretion is almost always exercised in favour of the claimant in these cases.  I think you should stand your ground and don't give even the slightest penny away Another judgement against them on this issue would be very bad for them and they would be really stupid to risk it but if they did, it would cost them far more than the interest they are trying to save which they will most likely have to pay anyway
    • Yep, true to form, they are happy to just save a couple of quid... They invariably lose in court, so to them, that's a win. 😅
    • Your concern regarding the 14 days delivery is a common one. Not been on the forum that long, but I don't think the following thought has ever been challenged. My view is that they should have proof of when it was posted, not when they "issued", or printed it. Of course, they would never show any proof of postage, unless it went to court. Private parking companies are simply after money, and will just keep sending ever more threatening letters to intimidate you into paying up. It's not been mentioned yet, but DO NOT APPEAL! You could inadvertently give up useful legal protection and they will refuse any appeal, because they're just after the cash...  
    • The sign says "Parking conditions apply 24/7". Mind you, that's after a huge wall of text. The whole thing is massively confusing.  Goodness knows what you're meant to do if you spend only a fiver in Iceland or you stay a few minutes over the hour there.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

mkb v Citi


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5173 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

Well, I've truly got myself tied up in knots with this one :( Having read through just about every post, I don't know what is best to ask for.

 

Background:

 

199?? - got Associates Visa card

Late payments off & on hence charges over the years but more recently making reduced payments but have now missed the last 3 (can't pay, not won't pay!!)

 

Questions:

 

I want to find out if account enforceable so sending CCA - is this right?

If it's unenforceable, will I stand any cats chance of getting back any charges I did pay or is that just storing up more trouble for me?

If I decide to claim charges then I need to send SAR - is this right?

If I managed to get charges back, would this just reduce the balance that was owed or, if its unenforceable would I get a refund to me rather than to the account?

If an agreement is unenforceable, does that mean we can reclaim all the payments that were ever made - hopeful here rather than expectant! :lol:

 

I want to get this right & would rather have the facts instead of me going ahead & just hoping I get it in the right order :-)

 

Thanks for any info/reassurance

Edited by mkb
change of title
Link to post
Share on other sites

Hi,

 

Think it's either one or the other, regarding the CCA or SAR.

 

Trying to get back charges when there is no CCA could be looked on as false enrichment by the courts.

 

If you go the charges route, they will more than likely reduce the debt, I think you can insist they pay you direct, telling them if they don't you will continue with court action.

 

I know when I went through FOS, they told me the bank could take the charges repayment to reduce the debt. Whether thats correct or not, I don't know.

 

Sending a SAR will get you a list of charges.

 

Regards.

 

Scott.

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

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

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Citi are a bit stubborn to claim against, however its worth a go, though they are likely to request for a stay.... unless you claim hardship in which case your claim/complaint would proceed with the Court/FOS.

 

It is likely that the amount of penalty charges would be deducted from any amount due, even where accounts have been sold onto third party DCAs Citi normally pay them - just another dirty little trick from the company everyone loves.

 

Yep, you can't do both unfortunately. Has to be a case of either claiming charges, or going down the CCA route - as the above post mentions to do both at the same time would be considerred unjust enrichment.

 

You should be able to obtain your statements relatively easily, however they are a nightmare for producing CCA requests - normally posting a copy of a recent Terms & Conditions which does not comply to s78(1) and regulations, insisting that they are the 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.

Link to post
Share on other sites

Thnaks guys.

 

I decided to go the CCA route even tho it's a bigger pain because if any agreement unenforceable, I get a much greater benefit than claiming illegal charges ;)

 

CCA request posted today by recorded delivery so time up on 10th Aug (allowing for weekends).

Link to post
Share on other sites

As with all these things the final decision is up to you.

 

The forum does not condone the avoidance of debt, however if the executed agreement which you signed is unenforceable in as much as it lacks prescribed terms and was signed before April 2007 then a court is precluded from making an enforcement order against you - its up to you as to whether you wish to continue making any form of payment.

 

In this instance the only problem here is that you will struggle to get a copy of it out of Citi, should the fail to comply or sent you a copy of recent terms & conditions - a complaint to trading standards to request their assistance in obtaining a copy of this document you are legally entitled to and the OFT will normally work.

 

A word of warning, Citi even if they do not comply are likely to continue to enforce the agreement against you regardless of law and regulations.

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.

Link to post
Share on other sites

Got a letter from Moorcroft today who 'have been instructed by Citicards to collect overdue debt' blah blah.

 

2 problems

 

a) Citi have not yet responded to my CCA request but 12 + 2 days are not up until Aug 4th so don't know what to send Moorcroft in the meantime as technically, on this point, Citi have not failed to comply

 

b) On sorting through loads of paperwork yesterday, I found a TN so really don't know what to do now :confused:

 

Please can anyone advise?

Citi copy of TN dated 4th July.doc

Edited by mkb
change of title
Link to post
Share on other sites

Wait till 5th August then reply.

 

Like I said Citi will continue to operate the account as normal, which will include trying to collect on it.

 

Thing is once they default on your request, they are legally barred from enforcing the agreement against you at all - though Citi will take no notice.

 

I've got the OFT clarification if you want it.

 

In time it is likely that Citi will send you a recent copy of their Terms & Conditions trying to pass them off as your executed agreement..... sure T&C can constitute and agreement - but not the executed agreement which you signed on opening applying for the account.

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.

Link to post
Share on other sites

OK - I am now officially furious with Citi :-x

 

I decided I'd better check my credit report & found this:

 

CITIFINANCIAL EURO...

 

 

 

 

 

 

 

Company name:

CITIFINANCIAL EUROPE PLC

Account type:

Credit card / Store card

Started:

/2001

Default Balance:

£1,5xx

Current Balance:

£1,5xx

 

 

Defaulted On:

30/06/2009

File Updated for the Period to:

02/08/2009

 

 

 

 

 

So they have defaulted me then I find this under previous searches:

 

 

 

 

 

 

 

 

Searched on:

 

29/04/2009

 

Searched By:

 

CIT GROUP (UK) LTD

 

Application Type:

 

Personal Loan

 

 

 

 

I HAVE NEVER APPLIED FOR A LOAN !!!!!!!!

 

OOOOOO - roll on Aug 10th which is the 12 + 2 days to get my CCA back.....

Edited by Rooster-UK
Libellous comment removed.
Link to post
Share on other sites

No response at all from Citi so A/C in dispute letter posted yesterday to Citi.

 

Today I get a letter from Moorcroft (below)

 

Not worried about threats but wondered if I should be doing anything else about this or do I ignore until enforceable CCA produced by Citi? I have not corresponded with M/Croft about this at all.

 

http://img13.imageshack.us/img13/5372/moorcroftaug13.jpg

Link to post
Share on other sites

Moorcrofts letter is likely just scare tactics.

 

Would be tempted to complain to the OFT, sending a copy of that Moorcroft letter as it clearly indicates that they are trying to enforce the agreement at a period they are legally barred from doing so - i.e. they haven't produced a copy of your executed agreement.

 

Might also be worth writing to Citi to state that you have written to the OFT because they are clearly attempting to collect on the account whilst s78(6) CCA is active.

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.

Link to post
Share on other sites

Got this today!

 

http://img10.imageshack.us/img10/9304/returnofpoaug21.jpg

 

BUT.....I sent Citi my CCA request on 22/07/09 by recorded delivery. They never signed for it so I checked with post office & they banked my £1 PO on 28/07/09!

Dispute letter posted 12/08/09 then same rigmarole with Moorcroft (who at least have returned the £1 :|)

 

I posted my Citi letters to

Citfinancial Europe plc

PO Box 54

Salford Quays

Manchester

M5 3BP

 

but the Moorcroft letter says it should go to London address.

 

 

Do I need to start again :confused:

Link to post
Share on other sites

Got this today!

 

http://img10.imageshack.us/img10/9304/returnofpoaug21.jpg

 

BUT.....I sent Citi my CCA request on 22/07/09 by recorded delivery. They never signed for it so I checked with post office & they banked my £1 PO on 28/07/09!

Dispute letter posted 12/08/09 then same rigmarole with Moorcroft (who at least have returned the £1 :|)

 

I posted my Citi letters to

Citfinancial Europe plc

PO Box 54

Salford Quays

Manchester

M5 3BP

 

but the Moorcroft letter says it should go to London address.

 

 

Do I need to start again :confused:

 

did you CCA Moorcroft???????

 

You need to tell moorcroft that you are in dispute with Citi due to their non-compliance with your original s78 request and leave it at that in my humble opinion.

 

letter can be found in the DCA templates library. Hmm the DCA templates bit isnt working.. oh well the library is here http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html Letter 17 and send recorded delivery.....

 

S.

Link to post
Share on other sites

Citi sent me a termination letter then got letter from Moorcroft so CCA to Citi first then when I was ignored, same to M'Croft.

 

Have already sent dispute letter to Citi.

 

Will send again to M'croft.

 

Thanks

Link to post
Share on other sites

Citi sent me a termination letter then got letter from Moorcroft so CCA to Citi first then when I was ignored, same to M'Croft.

 

Have already sent dispute letter to Citi.

 

Will send again to M'croft.

 

Thanks

 

ensure its letter 17 which is specific to a DCA when a creditor has failed to send the CCA.

 

S.

Link to post
Share on other sites

  • 3 weeks later...

Well, the saga continues.....

 

Still no reply from Citi to CCA request

 

Ltr to Moorcroft on 22nd Aug saying Citi in breach of my request so bog off.

 

Today from Moorcroft I get 'you have not contacted us to discuss repayment blah blah blah'

 

So, armed with my truecall in record mode :) I actually called them :eek:

 

They say I need to contact Citi with my CCA request - erm, already done that & posted the A/c in dispute letter!

They also say that they are only collecting the debt on behalf of Citi & have not bought the account & the account still belongs to Citi - erm, thought Citi had terminated it!

 

They also said that they will put the a/c on hold for 14 days for Citi to supply me the information but to ring them if I've still had no response by Friday - how helpful of them :D

 

Honestly, talk about not being able to organise a p***-up in a brewery!

Can't actually decide who is worse, Citi or Moorcroft!

Link to post
Share on other sites

Well, the saga continues.....

 

Still no reply from Citi to CCA request

 

Ltr to Moorcroft on 22nd Aug saying Citi in breach of my request so bog off.

 

Today from Moorcroft I get 'you have not contacted us to discuss repayment blah blah blah'

 

So, armed with my truecall in record mode :) I actually called them :eek:

 

They say I need to contact Citi with my CCA request - erm, already done that & posted the A/c in dispute letter!

They also say that they are only collecting the debt on behalf of Citi & have not bought the account & the account still belongs to Citi - erm, thought Citi had terminated it!

 

They also said that they will put the a/c on hold for 14 days for Citi to supply me the information but to ring them if I've still had no response by Friday - how helpful of them :D

 

Honestly, talk about not being able to organise a p***-up in a brewery!

Can't actually decide who is worse, Citi or Moorcroft!

 

 

haha what a bunch of jokers... its not your job to chase the cca request, if they want to collect then let them chase CiTi.

 

S.

Link to post
Share on other sites

Did you include this in your CCA request?

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Moorcroft rang me every day for a week in respect of my Citi Card....didn't answer but eventually sent them a bog off letter...haven't heard from them since.

 

No CCA ever produced from Citi..I doubt very much they have them!!;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Typical DCA bully boy tactics.

 

If you having not received a response to your s78(1) request that completes it, then as par clarification from the OFT the creditor is not entitled to enforce the agreement AT ALL either with or without a court order.

 

This would include requests for payment in writing or through phone calls to you..... but then again some banks do seem to operate as if the law and s78(6) CCA did not exist.

 

Anymore problems a complaint regarding the DCAs behaviour and that of Citi should do the trick, additionally informing both of those parties that you are making the complaint.

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.

Link to post
Share on other sites

Yes WM, I did & got this in reply:

 

http://img10.imageshack.us/img10/9304/returnofpoaug21.jpg

 

with my £1 postal order :D

 

I have sent both Citi & Moorcroft the account in dispute letter & fully intend to ignore both of them until I get the properly executed CCA from Citi then, IF that's enforceable, I will be reclaiming all the charges but I really don't expect them to have it from 199? cos it was an old Associates account.

 

Interestingly though, on my experian report, Citi appear as started in 2001 :confused:

Link to post
Share on other sites

Typical DCA bully boy tactics.

 

If you having not received a response to your s78(1) request that completes it, then as par clarification from the OFT the creditor is not entitled to enforce the agreement AT ALL either with or without a court order.

 

This would include requests for payment in writing or through phone calls to you..... but then again some banks do seem to operate as if the law and s78(6) CCA did not exist.

 

Anymore problems a complaint regarding the DCAs behaviour and that of Citi should do the trick, additionally informing both of those parties that you are making the complaint.

 

Complain to Citi & Moorcroft directly or to FOS and/or OFT, Enron?

Link to post
Share on other sites

Moorcroft are purely the agent operating on behalf of Citi to make attempts at colleciton.

 

Citi should reply, however you will likely eventually get a standardised letter stating that they are not looking to enforce the agreement against you - a basic fob off and delaying tactic as they will continue to attempt collecting money and operating as normal, or a recent copy of the terms & conditions which do not fulfill s78(1) of the CCA - in that those recent T&C are not the executed agreement.

 

But as with all these things banks, especially Citi like to try and bend the rules, regulations and law.

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.

Link to post
Share on other sites

  • 3 weeks later...

STILL no response from Citi but today I got a Litigation Warning letter from Midas Legal Services.

 

Both Citi & Moorcroft have had the 'in dispute' letter so stuck now as to what to send to who.....

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...