Citi Card Debt now Moorcroft/Cabot Chasing

[Pushonup]

Hi Everyone,

Not sure where to begin.

Was unable to keep paying citi visa card repayment back in April time.

Offered them a nominal £1 for a 6 month period to try to get myself sorted.

Thanks to having read lots of your great posts I sent them a CCA request on 12th May this year with a £1 Postal Order fee.

They didn't send anything within the required time so I sent them the "you have failed to respond to my legal request to supply a true copy of the original CCA etc" letter on 3rd June.try

On the June they wrote saying that they were still collating the documents see scanned letter below.

Eventually I sent them a SAR on 3rd to try to get more info from them.

See my next post.

[Pushonup]

Hi Again.

Having sent off the SARN on 3rd August I eventually received a large envelope on 9th September with reams of computer printout detailing old statements and letters both to and from Citi Bank along with a letter saying that they are not able to locate any statements for my account prior to March 1998

 

On the 23rd and then on 24th September I received identical letters saying that they were still collating documents from my CCA request

I've heard nothing since then.

Yours Pushonup

[Pushonup]

Help Please.

I've received this letter today the 5th december from Moorcroft Debt recovery saying that I have to pay them a shed load of money that i do not have by 10th December.

 

Citi have put a default on my credit file on 30th October 2009.

 

I have never received a default notice from them or had an account termination letter. (unless they got lost in the post!!)

I have been through all the data that they sent in the SARN package and can not see anything either.

Should I submit another SARN request?

How should I respond to Moorcroft please?

I'm sure that I've seen a letter on here that tells them that I do not recognise the debt or something similar and to stop harassing me.

 

Any one have an idea how to stop them?

Yours

Pushonup

[dx100uk]

more history on the alledged debt please

this is just a threat-o-gram

if, maybe, could, might,

ignore it

 

dx

[cerberusalert]

Send Morecrap this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

[silverfox1961]

HI,

Firstly, you need to send Moorcroft a "bemused letter" because Citi sold this debt on while it was in dispute. It may be that Moorcroft are collecting on behalf of Citi but it matters not. If you bookmark this link as you will need some of the letters on there but for now, I think that letter 17 is the way to go:

 

The Consumer Forums - Debt collectors

 

On to Citi. They are the most unco-operative bunch of threat monkeys I have ever come across

The will try and get out of supplying anything if they can. Don't expect them to supply anything resembling an agreement. I have heard they did a mass shred of documents in 2006 (hiding the evidence???).

 

If there is no sign of a default notice anywhere within the screenshots I would write to them and query it. The same with the termination (if it has been) and the Notice of Assignment. They will respond with dates and probably that they don't issue NOA's.

 

Back to Moorcroft. You don't have to pay them a penny (as yet). They have to prove they have the right to collect and the only way they can do that is to provide the agreement. These letters are designed to intimidate.

Do not ring them

Do not sign anything, just print your name

Send by recorded delivery. You will be surprised how many letters "disappear"

 

Hope that helps.

 

fox

[Pushonup]

Hi Everyone and thank you for swift replies.

The visa credit card account was originally opened with Peoples bank way back in about 1998, I seem to think, looking at the statements that they have provided.

Citi keep on adding interest at an alarming rate to my outstanding balance.

If they have put the account into default will they stop aincreasing the debt at that point or not?

I'll take a look at the letters and follow your advice.

Will write to Moorcroft and Citi separately to try to get any further information or copies of letters as you suggest.

Will keep this post going once I have some more information.

Thanks again

Pushonup

[supasnooper]

Have Citi sent you a Default Notice served under s87 Consumer Credit Act 1974 for the account ?

[Pushonup]

Hi Supersnooper,

No I haven't had a default notice, unless it has gone astray in the post.

I certainly have not received one.

Not had an account termination / closure letter either.

Yours Pushonup

[silverfox1961]

Hi Supersnooper,

No I haven't had a default notice, unless it has gone astray in the post.

I certainly have not received one.

Not had an account termination / closure letter either.

Yours Pushonup

 

 

Surely Supasnooper, you didn't expect a different answer to your question did you

Nothing has gone missing. They can't be arsed to send them. British law-PAH! Nothing to do with us

[hungrybear]

specialist team are still collating - run out of ink and potato stamps more like!

 

I also like the 'as part of the application process' bit, that sounds promising

 

Right it's not sold to moorcroft is it, it says client on the letter.

 

so an alleged citi credit card pre 1998, I think you've got pretty good odds here.

 

Write to MC as snoops says with the 'sod off in dispute under 78(6) of cca with citi, I wont reply to you again.

 

Then I would just sit back and have a good crimbo really.

 

and the important word in the MC letter is MAY as in may be issued. The objective of that letter is to scare you into phoning them so they can commence the possible alleged:D bullying process. What you are not supposed to do is post it on cag and get some sensible advice!

[SteveH2508]

If it was a Peoples Bank account is is VERY unlikely that they have the agreement, judging by the posts on this site (and my personal experience ).

 

The general concensus is that they bought up all of the Peoples Bank accounts without any enforceable paperwork and it has come back to bite them on the a*se!

[supasnooper]

Surely Supasnooper, you didn't expect a different answer to your question did you

Nothing has gone missing. They can't be ar$ed to send them. British law-PAH! Nothing to do with us

 

Sorry sf1961 ........but one must ask the most stupidest questions just to be sure.

 

Remember, the only question not asked is the most stupid.

 

Ahh Moorcroft and Citi...........nuff said.

[Pushonup]

Thanks for all your replies,

Letters going off tomorrow to Citi and Moorcroft.

Will keep you posted on future action.

Pushy

[Pushonup]

Hi again,

It's time for an update about Citi Cards.

After my last post I sent a letter to Moorcroft Stating "Account in dispute since 13th September 2009" "any legal action will be averred as Unlawful and Vexatious" etc

Also sent letter to Citi stating that Moorcroft have no authority to act as Citi had failed to respond to my legal request for CCA etc. etc.

I heard nothing further from either Moorcroft or Citi until 19th February when Citi sent a letter as shown along with what they determine is a "true copy" of 7 printed A4 sheets containing what they purport to be the terms and conditions that applied to my account when I initially joined Peoples Bank of Connecticut and a separate set of 14 A4 sheets containing terms & conditions relevant to the Citi credit card account.

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I have now received their next letter and will carry that to the next posting.

Yours

Pushy

[Pushonup]

Well they (Citi) have finally decided to take the next action by assigning my account to Cabot Fibnancial.

Amazing as I have never received a default notice from them, no correctly signed CCA with attached terms so where do we go from here?

Here are the letters for you to look over and see if anyone else is getting the same response.

Citi's first although these three all arrived in the same envelope and are all dated 19092010!

 

http//i931.photobucket.com/albums/ad156/Pushonup/Citi/CitiAccountassignedtoCabot.jpg%5B/IMG%5D"]http://

 

http//i931.photobucket.com/albums/ad156/Pushonup/Citi/CitiCabotLetterofWelcomebyAssignment.jpg%5B/IMG%5D"]http://

 

http//i931.photobucket.com/albums/ad156/Pushonup/Citi/CabotFinancialtermsandconditions.jpg%5B/IMG%5D"]http://

 

I'm thinking that my next move will be to write to both of these and suggest that there actions are not lawful.

Any further advice will be most welcome.

Looks like things may be moving in the banking sector to recoup some of their losses!

They seem to be making enough with their actions and interest rates anyway at the moment.

Good luck all,

Keep fighting the banks.

Yours

Pushy

[silverfox1961]

Hi again,

As you have probably guessed, Cabot send out the NoA on behalf of Citi.

 

As Citi sent you the terms and conditions for your account at the time, they think that they have complied with your s78 request and sold the debt accordingly.

 

Along with the bemused letter to Cabot, I would be asking,"By what written authority do you assume the right to be charging 12% on this account" and,"Do you have a fully compliant signed agreement in your possession should you decide to litigate" (or words to that effect)

 

The thing is (and dependant on how old the account is) Citi are rubbish at keeping old paperwork so the chance of them actually having your original agreement is slim to none.

[the_shadow]

Hi Pushonup,

 

Received the same letters myself, there's a bunch of us in the Citi part of the site all with the same docs. Seems Cabot have purchased a bulk load of Citi offloaded accounts.

 

Personally I'm limiting the amount of info I give Cabot at this stage and just sending the bemused, cos this account is in dispute, send it back

 

S.

[Pushonup]

Hi Foxy and Shadow,

Thanks for the replies. One of the comments from Citi going back to September 09 when the stated that they have no statements prior to 1998!

I'll send off a couple of letters later to Cabot & Citi as you suggest.

I've not had a Default Notice from Citi and they've now terminated any agreement by selling the account.

Makes for a complicated but interesting state of affairs all round.

Yours

Pushy

[silverfox1961]

Morning,

Just shows how much this site has got to me:| I woke this morning thinking of this thread??

 

Would you like me to move this thread to the Citi forum?

I can amend the title as well to include Cabot

[Pushonup]

Hi Foxy,

Yes Please move it and amend title as you see fit.

a good idea to consolidate the threads for others to follow.

Yours

Pushy

[silverfox1961]

Thread moved and title edited to include Cabot

[letsgeteven]

exactly the same position as pushonup, the only difference is that cabot are not charging 12% interest. Am I best to just ignor them or write back explaining that Citi do not have a signed agreement etc etc?

[Bosund]

Subbing, have just been introduced to those nice people at Cabot...

[Pushonup]

Hi all,

continuing the ping pong of letters here is my bemused reply to cabot along with their acknowledgement.

Hopefully this may help others who are trying to decide what to write.

If you have any observations or comments about how I've written this or anything I should have included or omitted please let me know.

 

 

I hope this is useful and will let you know their reply as and when I get one.

Yours

Pushy

Edited October 19, 2010 by Pushonup
Copied my letter twice in error changed to cabot reply