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CITI Need some advice - who/where to complain? Data protection breach


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This might sound odd or even genius but i'm currently on an agreement with citicard 6 months reduced payments and frozen interest which is fine. I imagine they are likely to default me pretty soon as it is as of now 2 payments in arrears and the letters are getting petty now.

I have just defaulted on another unenforceable agreement so have resigned myself to the fact my credit record is shot to pieces for 6 years.

Now considering this Citicard is from 2008 and done online I imagine it will be enforceable so I have all intentions of paying but would my best option of paying it off for as near to the actual balance as possible be to let them terminate and sell it on to a DCA and repay them without the interest?

Sorry if this sounds strange and is a stupid idea but it just makes sense to me. Unless i'm mistaken the DCA wont add to the balance so i'd be saving thousands in interest long term and I think a f&f might be an option at some point.

Balance is about 4k and its on a 24.9% apr, but I can see that going north after this takeover and my situation.

 

To be clear : I am not trying to get out of repaying this, I just want to pay back the minimum amount I can.

 

Is this a stupid idea or worth doing?

Edited by Craigbadger
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It would make sense to do that, but have you tried going through the CCCS first and work out a repayment plan? They may be able to get the interest frozen or drastically reduced.

 

The trouble with the DCA's is that a few months down the line they want more money. Depends who you get taking over the debt.

 

Have you claimed back all of the Credit Card charges?

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Hi thanks for your quick response

The only thing is that I have another 3 creditors all of which i'm making real inroads with and wouldnt really want to lower payments to. 2 of these will be paid off within 12 months at the current rate, dont really want another default in a years time or anything.

+ I have serious grounds for reclaiming on 4 ppi policies and masses of charges, just a matter of waiting on SAR requests.

 

It is certainly something I will look at though and think about. No hastey decisions or anything. I'd be bankrupt by now if I hadnt of tripped over this site so I do take notice of what I read. :)

 

Thanks again.

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Good, well you seem to know where to go next with the charges and PPI. When you go after the charges you can add interest of 8% per charge or ask for the contractual rate of interest of 24.9% APR. They may kick up and refuse to pay that amount, but on Credit Cards you may get the purchase rate which would'nt be too far away from the 24.9%.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

Basically 3 weeks ago I spoke to a bloke from citicard, he called on a blocked number so I refused to give my details but told him if he knew who I was to confirm it and I would speak to him so he confirmed my name, address, dob etc and then took a payment off me on condition of the following. He said he had made an agreement for me to pay 6 months of 50% payments with no interest added and this would be detailed in my statement. Statement arrived today and nothing, charges and arrears added + interest and no mention of the agreement.

 

I did however get his full name and took note of the date and time of the call.

Where to complain?, pretty peed off with him tbh as he clearly lied to get my money and i'd now like to get him and the company in trouble for a serious data breach.

He made it clear he was a manager and had the power to hold the charges etc but clearly didnt do a thing.

Not surprised tbh but was gonna keep quiet as he had been helpful despite my initial bad attitude towards him.

Any advice :evil:

Edited by Craigbadger
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Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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Silly thing is I know that aswell and that was why I refused to give my details yet he really didnt care, just wanted money. I was happy to pay tbh and had planned to.

Will get some nice letters off to the above. Should I get 1 off to citicard aswell?

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You could write and request their Complaints' Procedure. Do not reveal your hand yet as they will deny everything.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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DO NOT let on about the breach and let the ICO go get 'em :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

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Will send a letter off this week to the ICO.

Surprisingly I recieved a letter confirming the agreement on friday and then phonecalls yesterday chasing money. Surely they must make some notes.

 

Ive decided not to name the agent yet as he was good to his word after me being rude. He was pretty ok for a collections agent despite the obvious cock up.

 

Think i'll send 1 about the state of my sar from Lloyds aswell. Turned up as a foot high pile of paper wrapped in white paper and selotape, massive tear and nearly falling out of the packaging. And to top things off they spelt my surname wrong despite what must be 700 sheets containing the correct spelling being in the parcel.

 

Will see what happens anyway.

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  • 2 weeks later...

Just that really. Ive got 4 days till a payments due and i'm really struggling this month. It was 2 months arrears before the arrangement.

Not that bothered tbh as ive defaulted recently on another debt, would just like to know. :)

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Would depend on a number of things, what was loan for, what was in the Credit Agreement, who/how did you come to the arrangement, have you received a Notice of Default yet, this would give an amount and a date to pay it by.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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It was a Citi credit card taken in early 2008.

Arrangement made on phone but have received paperwork(in a box at the old dears), no notice of default received.

All it said was something like pay £60 a month for 6 months, during which time no interest will be added and not further action taken providing I keep to it however the arrears from before will still be payable at the end. Arrears are about £260 I think.

 

Cant be sure exactly, guess I need to get the letter and see what it says.

If they default me for the arrears now I wont have them so I guess it will terminate :)

 

Half tempted to anyway and see if I can do a f&f as I have a fair bit of ppi reclaim money due.

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  • 5 months later...

I'm currently on an arrangement to pay citicard. Its 6 years and is being added to my credit history as arrangement to pay.

I just had a thought that surely this will still be on my history in 11 years time where if I was to just default it and repay at the same rate to a dca it would not show once the amount was settled.

Can someone tell me if this is right?, if so surely I would be better off long term to go ahead and default the debt.

With 3 accounts defaulted already this year I would not mind 1 more but dont wanna be effectively blacklisted for 11 more years.

To add my account is being sold to Opus on the 21st of november so I suspect these wont be honouring the agreement, esp after looking at the new fees they are adding ie £19 if they ring me.

Edited by Craigbadger
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they can add unlawful fees but only in relation to what is stated in the original agreement, not something they pull out of a hat

 

and dont forget, you can claim them back!

 

is not the arangement to pay a status report on the A/C?

 

so once its finished , the status wil show satified?

 

so not an issue

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The account is moving to Opus on the 21st so maybe its a generic agreement theyve sent. They have decided not to send me a card which I guess is not surprising.

 

See the attached pdf, this is from another account but shows the arrangement from sept 2007.

What im concerned about is that in 6 years time I will of paid the debt but will have 6 years of red arrangement to pay markers on so will still find credit hard where if I just default it now, it will be gone in 6 years.

exui.pdf

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yes but they'ed still report the D surely each month?

pers i think AP ans settle dwould be better than a row od 'd's

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no, [well yes if you dont pay or ack it!]

a DN or any info [markers] themselves disappear as they pass 6yrs.

the info on the A/C when settled, is held if people look that far.

but credit searches don't neither does your score.

 

so your A/C will be shown as setlled when you complete the AP.

thats ok.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 months later...

Sorry its not really DCA related.

In simple terms I decided late last year that I couldnt keep up with repayments a with an account with Opus(previously Citi). Using my personal judgement I decided to just let it default purely because I have 4 other very recent defaults and lets get the 6 years rolling asap then try and repay it later.

I just checked my Equifax and its showing as defaulted 14/02/2011 however i'm sure there has been no default notice. unless it was stuffed in with a statement.

Apart from a few arrears letters etc ive had no default notice. I dont have my statements here as they go to my mums so i'm going to go and have a proper dig through see if I can find 1.

 

What would be the situation had they not sent a default notice?, I imagine this is as serious as a bad notice but could they say they had sent it?.

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  • 1 month later...

Opus(was Citi)

Strange, I had been in an arrangement for a while and got to a point where I could no longer afford this. I decided i'd be best defaulting it so atleast the balance would be frozen then wait for the scrum.

Received a random letter in december saying that they had been unable to contact my debt management company(me) and the arrangement had come to an end.

Checked credit report and account shows defaulted early jan.

However ive never received a default or termination notice and there has been no other contact by phone or post.

 

I dont wanna contact them but this is really odd behavior imo.

 

Just wondered what people thought was going on here?

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