Jump to content


  • Tweets

  • Posts

    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
  • 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

Laura Cooke -v- Citicard


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4497 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

  • Replies 178
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

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

Link to post
Share on other sites

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 by Laura Cooke
Link to post
Share on other sites

  • 2 weeks later...

Ok Citicards issues moved here.

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.

 

 

Link to post
Share on other sites

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.

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.

 

 

Link to post
Share on other sites

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

Link to post
Share on other sites

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

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

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 ?

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.

 

 

Link to post
Share on other sites

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.

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.

 

 

Link to post
Share on other sites

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.

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

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 hubbieth_Photo0002.jpgI 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?

Link to post
Share on other sites

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 !

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.

 

 

Link to post
Share on other sites

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.

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

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

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

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.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

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

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.

 

 

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...