Laura Cooke -v- Citicard

[Laura Cooke]

Form removed as it still showed personal details.

Edited December 30, 2009 by sea-sidelady

[Gazza112]

Hi Laura

 

I would take the above form off that you received from Citi, as you have left the barcode showing they can pick you info up from that.

I know what you mean on the info you receive, you just need to siff through the good advice from the bad.

I only really got the jiffs of it all, when i had to go to Court on my other MBNA account. It was only than it all made sence when the Judge was giving me the verdict in my favour.

Without the original agreement a valid Default Notice if you've got one they can't do anything without them.

I will let you know how i get on in Court next Tuesday for my wasted cost's order.

 

Gaz

[Laura Cooke]

Thanks Gazza can`t understand why had no responses to anything I`ve posted it really is deflating as I was advised "All you need to do is post and someone will help"

 

Look forward to hearing about your result at court do wish others would come forward and advise it really is a lot of pressure on my own as my hubbie as a brain injury and it`s hard enough seeing to him never mind all this added stress

Edited December 30, 2009 by Laura Cooke

[SteveH2508]

You have also left your account number showing!

[Laura Cooke]

[MARTIN3030]

Ok Citicards issues moved here.

[Laura Cooke]

Thankyou to everyone at the site team for going out their way to help put me on track with my threads/posts best wishes to you all I am very grateful

[MARTIN3030]

Okie doke-it wasnt quite as easy as it should have been-because in the MBNA thread people are trying to respond to all of the issues in the same posts.

If you take a look in this Forum you will get a little insight as to how Citi work-I have to pre-warn you they are pretty hard work and not as simple as the others,but you have the benefit of those who have gone before you here and done lots of homework so thats a bit of an ease.

[Laura Cooke]

Is the default notice ok or are their things missing? I will put my trust in the good folk on here to help me through it`s hard work when their is 5 creditors and looking after a sick man but hey others in a worse position than me I will have to stay strong and plod on really appreciate the help I`m feeling a bit easier that I`m doing things right for once I have found it difficult as you already gather

[Laura Cooke]

Sent for sars last week from CITI should I have also or should I send a cca request as my hubbie as 5 creditors I have been dealing with one at a time and as CITI recently sent a default notice thought I`d be best sending for hubbie`s sar?

[silverfox1961]

Hi,

I have some experience of Citi's deceitful behaviour.

 

You have sent the SAR but Citi might say that the agreement and terms & Conditions do not form part of the Data Protection Act (they have tried this with me)

The best bet is to CCA them as well, then they cannot get away with not sending your agreement (if they have it).

 

I'm not that good on compliant default notices but to me, they have sent a good 'un.

 

How long ago was the account opened?

 

fox

[MARTIN3030]

Can you give us a little background info about the Citi issues ?

 

1.When was the card taken out ?

 

2.When did you fall behind with payments ?

 

3.What communications did you have with them ?

 

4.Was anything put in writing ?

 

5.Has there been any debt collectors involved ?

 

6.Have you got copies of statements ?

[MARTIN3030]

Hi,

I have some experience of Citi's deceitful behaviour.

 

You have sent the SAR but Citi might say that the agreement and terms & Conditions do not form part of the Data Protection Act (they have tried this with me)

The best bet is to CCA them as well, then they cannot get away with not sending your agreement (if they have it).

 

I'm not that good on compliant default notices but to me, they have sent a good 'un.

 

How long ago was the account opened?

 

fox

 

 

Yes agree they WILL say that CCA does not fall within personal data.

There are numerous temps for requesting a Copy of your agreement,you need to make sure that you send the correct one-theres details in this forum.

[Enron]

Citi seem to be up to old tricks again, for your CCA you will likely get a copy of the original Terms & Conditions, and the varied Terms & Conditions for your account.

 

But not the "executed agreement", i.e. the document you signed on applying for the account.

 

Keep us posted on this issue..... but it would appear that it's normal service for these people in not properly complying with peoples requests.

[Laura Cooke]

Thanks for responses not sure when card was opened it could be anywhere as early as 2002 (see enclosed letter I`m posting up wasn`t aware account was closed?) only got statements for 2009

 

Fell behind in June 2009 all payments up to date before then

 

Never heard a thing from CITI other than response to a standard letter I was advised by CCCS (dm) to send back in June informing them to withold any action for 28 days whilst my husband`s affairs were sorted I wrote 2 letters and I signed them both with hubbies signature I have copies of these letters in letters I asked to freeze interest or write debt off due to circumstances we on benefits they said no to both requests

 

Only thing we have had is the default notice I`ve posted up not had a phone call or anything but they have sent a couple of generated letters about not being able to contact my hubbieI will send cca to them as well then can you supply a link to best letter to send please, so the default is legally compliant then?

[MARTIN3030]

Have you had penalty charges imposed on the account?

If it goes back to 2002 then its likely there cwill be a few £25 charges !

[Laura Cooke]

May have a couple or so hubbie paid all bills on time etc but on the odd occasion we`ve been away and payment as been late hese had a penalty charge we will never know how many till they cough up the info

[Enron]

Think with this it's an issue of either chasing repayment of the charges, or if Citi do not come up with a copy of the "executed agreement" or have one which is not compliant (i.e. missing prescribed terms) then you have a choice - but you can only reclaim charges OR go down the CCA route.

 

From memory if it was to ever get to a court judges will only allow one of these actions.

[Laura Cooke]

suppose as he will only have around a couple of penalty charges we`ll have to go the cca route? could you recommend which letter to send to them

[Enron]

Think there should be a template for s78(1) CCA requests in the templates section.

[silverfox1961]

There is a CCA request letter here:

 

The Consumer Forums - Debt collectors

 

Letter 8 and if I were you, I would also bookmark the entire page of letters as I'm sure (especially with Citi) you will need some of them.

 

You will need to alter the letter froms77 to s78 (s77 is for loans)

 

I have been advising people not to sign and just print your name but with Citi (and a couple of others) they refuse to supply the agreement without a signature so you may as well give it but try to give your signature a difference to your true signature. This is because there is a real concern that some creditors without an original agreement will "lift" a signature from a letter and copy it to an old agreement. (not saying Citi will do this your honour )

 

Make sure you send it recorded delivery. You would be surprised how many creditors will say they never got your letter if it's sent normal post.

[MARTIN3030]

Earlier charges were £25 for being late and £25 overlimit so there was potential for £50 a go.

[Laura Cooke]

Couldn`t find the correct template wanted to send it today as I was going out only saw the one to send dca and the sars or one for hp/loans

[Laura Cooke]

Silverfox I have sent a template letter today to Halifax it may be wrong as I think you are saying wherever it says 77 you should change it to 78 I have posted what I sent in the Halifax thread so wherever it says 77 I change that to 78? and bookmark how do I do that? it is very hard work for me computers and understanding what all the things mean sorry to be dim at this game trying hard to grasp it. Will sent the CITI template when i`m sure I know whats what

[silverfox1961]

Don't belittle yourself, you have done well.

 

If you are using Mozilla Firefox as your internet browser it will have a "bookmarks" tab at the top. If you click that it comes up with a list. the first one is Bookmark this page. click this and then click done in the new box that appears.

 

If you are using Internet explorer you click Favourites and then click add to favourites and them click ok. Job done

 

I have just replied on your halifax thread.