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the zebra

the zebra -v- Citi Cards Platinum account

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hi everyone,

1 st post so sorry if this should be somewhere else but you guys seem pretty flexible so ... here goes

 

have a dispute with citi card (platinum) since the summer. they've now served default notice although they've been writing to an old address for months. They have finally changed it to the new one. They never sent the original contract which I asked for. Do they have to start from scratch with me because they communicated to an incorrect address and since I am alledgedly owing six thousand pounds does this still belong to small claims?

I can only come up with 25 canada square and vikram pandit as the ceo - is this still correct.

Many thanks, the zebra.

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Welcome to the site.

I will move your thread into its own area here.

5k is the ceiling for small claims track-although the Court can allow a little more using its discretion.


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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Thank you Martin,

since citi didn't alter my address when I informed them and continued sending correspondence to the previous address, despite it being returned to them unopened and I still haven't had an answer to my sars request or a certified true copy of the original 'contract' can they do all they threaten by dec 28th. which is commence proceedings in the county court. terminate the agreement (which I don't mind) register defaults on my credit file and sell on my 'account' also the one letter I did get is from Mike Green, head of collections. Shall I write to Vikram pandit ceo at canary wharf or mike green at a po box? btw the notice I ( haven't got - because I went to the old address and found it - is dated 3rd dec and served under 87(1) of the cca 1974.)

Many thanks - should I be worried??? I'm new to this but determined.

 

the zebra

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Did you keep proof of notifications that you sent them informing of change of address ?

Did you send payment with your SAR ? and has that payment been cashed ?

Which address did you make the SAR from - your old one or new one ?


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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Hello,

the date by recorded del on which I sent the sar, my change of address, my request for true copy of my "contract" and proof of lawful behaviour on their part, was 16th july 2009.

I included a postal order for ten pounds for which I had a chit (i think) .... no clue where it is or if it was cashed. I do have the chit for the recorded delivery and a copy of the notice I sent, which also included the fact that i had been in hospital if that's of any relevance.

the zebra

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Was the requested for a copy of the "executed agreement" made specifically using a s78(1) Consumer Credit Act request?

 

If so then Citi shouldn't be enforcing the account i.e. attempting collection, or updating your credit file, that said Citi being Citi still will regardless of s78(6) CCA legally barring them from doing so.


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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Will do you good and fill you in to read some threads in this forum Zebra you will see theres many here who have been through the same and are still finding resolution-one things for sure -theres not much we havent seen with these.


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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I would mention the word cowboys but maybe thats being too generous.

 

Certainly if you are trying to claim back charges Citi litigate in a very underhand manner, and if you want a copy of your "executed agreement" which is a legal request under fair access laws - as enshrined in their code of conduct - well you won't get it. And if you have a genuine dispute, they're not meant to report data against you to the CRAs under the banking code, but hey that gets ignored as well.

 

So just a little detail to let you know what your up against, an obstructive and unfriendly institution where you are just a revenue stream.


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 guys,

okay I didn't ask under the cca1974 , I just asked because then they could have sent me any old copy and I want the original .....

I'm going to ask for it again under the cpr rules I found on this site - but- I'm having huge problems reading any of your library info, I just get bounced out and I did make a donation , so I'm confused... is there something else i have to do..?

is vickram pandit ceo at 25 canada square the person to aim my requests at, he might be personally accountable for the actions of the company he directs .. :-)

the zebra

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Access to the library has nothing to do with donations-registration on the site auto allows that.

Try clearing your internet cache and clear cookies then log in again you should get it from front page.If you still have problems after,then hit the red triangle for a team member to help.

Yes Canary wharf address is current so you can send there.

I am not sure who is current CEO ...to be honest


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 - cleared all as suggested and it works now! Thanks, by the way to who ever posted, I have experto credite based in reading! after me, with mbna still writing threatening letters about everything under the sun - has anyone actually spoken to gail powell ?

the zebra

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