HFO chasing 3 CITI Loans + **WON PPI**

[dx100uk]

OK please find attached CCAs from OC. Questions and points i have collated so far ( with help from Coledog). Any further questions comments or pointers much appreciated!

• Three credit agreements dated 22 Sept 04, 11 Feb 05, 22nd July 05 all for loan refinances. There is NO agreement for the original loan or whatever was refinanced in Sept 04.
  
• Insurance cover documents for these three loan ( PPI argument?)
  
• An application form dated 20th July 05 - but no other application forms, plus supporting id, payslip and bank statements etc
  
• No default notice or any correspondence about missing payments
  
• No statement of account or record of payments made/charges etc
  
• No record of any telephone calls or manual intervention
  
• No Notice of Assignment or anything whatsoever about who the debt was sold to or how this got to HFO
  

 

 

cca's.........

no right to cancel boxes

 

fleeced blind on PPI

which is rolled over from loan to loan.

PPI on PPI and Interest on Interest!!

cause i bet you got no rebates

 

 

you can reclaim £1000's here!

 

pers i'd PM DJ1971

 

he'll do a calc for you.

 

dx

siteteam

[sillygirl1]

Shows how little paperwork HFO actually have when they start threatening people doesn't it, and how spurious their claims are. Pity there can't be a law against this blatant 'debt buying'.

[batleyboy]

Thanks DX i will,

 

You re right Silly, i can only imagine how many people do get caught out though! I just thank my stars i found this site. Def want to make a contribution to keep this site going !!

[coledog]

Did you send it to:

 

Data Request Team

Citibank

PO Box 49944

London

SE5 7YG

 

I think these ar the people who sent the last one

 

The only other address I can find is:

 

Citibank International plc

PO Box 49930

London

SE5 7XT

[batleyboy]

Hi cole sent it to the 49930 originally and got a reply..will send again to the first one too... worth paying the extra postage!

 

thanks

[coledog]

Told you that PPI looked dodgy

[batleyboy]

Told you that PPI looked dodgy

 

Never doubted you CB !

[batleyboy]

to update, have sent further letter to the other po box ( 49944) today!

[batleyboy]

further update, checked rec del online..still shows as no signature on both OC addresses..strikes me as odd...may have to hand deliver at this rate =D

 

Googled them and cant see any posts on change of address etc

[coledog]

Can you give them a ring and ask if they have received it? If so are they going to respond?

[batleyboy]

hunting the t'interweb for a number as we speak

[batleyboy]

strangely ( or not I cannot find one!) when i speak to their call centre they say there is no number available. the PO BOX 4944 address is the correct one..odd

[coledog]

Problem is Citi are no longer a properly functioning company any more and only seem to service existing/old accounts.

Not sure what is going on with them.

[batleyboy]

update,

 

although not signed for, I got a reply from Derby..

 

They advise that all sent on 10/10 ( date of their original reply with the semi complete info) saying they ve sent everything and what do i think is missing.

 

In my mind this is;

 

complete statement of account

Original CCA

letter of default and notice of assignment

 

am I missing anything else?

[coledog]

Yes - I would have expected statements, default notices, who they sold it too. If they have confirmed that this is all they have, it is all you can do for now. A distinct lack of paperwork.

[batleyboy]

do you think it is worth stating this is what i believe is missing ? worth the postage i guess..

 

whats the implications of them having so little?

[coledog]

Well - I would say that there is actually no proof of what is owed or a legal default notice being served. There is also no proof that this was sold to the wombles! Someone could actually 'find' something I suppose but you now have written confirmation that this is all they have.

[DonkeyB]

update,

 

although not signed for, I got a reply from Derby..

 

They advise that all sent on 10/10 ( date of their original reply with the semi complete info) saying they ve sent everything and what do i think is missing.

 

In my mind this is;

 

complete statement of account

Original CCA

letter of default and notice of assignment

 

am I missing anything else?

 

Add

 

Written confirmation of to exactly whom and when the account was sold

[coledog]

You certainly need to try and get this.

[batleyboy]

update, got an interesting reply yesterday to my letter asking for the above.

 

Wont go word for word and will scan letter up on Monday but it says...

 

"thank you for your recent letter. We would like to point out that the information provided on xx /xx/10 ws pursuant to your data subject access request for information under the DPA 1998.

 

If you would also like information under the cca 1974 we wiill require payment

 

our fee is £1 please send this to the above address.

 

"

 

Question for me, if I have paid £10 under the DPA 1998 for all information they hold on me ( for presumably the last 6 years) why on earth would I need to pay for this....?

 

The pound isn't of course an issue but something strikes me as odd in this reply!

[coledog]

Send em this - they are just being stupid! adapt to suit

 

 

Dear Sir/Madam

 

Account:

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated --.--.-- The disclosure of personal data is incomplete in that at least the following documents are missing.

 

 

1) You have failed to provide a notice of assignment

2) Whom the debt was sold to in this must include company name, full address, and Telephone numbers

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

You have a further 24 days to comply.

 

Yours faithfully,

 

-------------------

[batleyboy]

update, got an interesting reply yesterday to my letter asking for the above.

 

Wont go word for word and will scan letter up on Monday but it says...

 

"thank you for your recent letter. We would like to point out that the information provided on xx /xx/10 ws pursuant to your data subject access request for information under the DPA 1998.

 

If you would also like information under the cca 1974 we wiill require payment

 

our fee is £1 please send this to the above address.

 

"

 

Question for me, if I have paid £10 under the DPA 1998 for all information they hold on me ( for presumably the last 6 years) why on earth would I need to pay for this....?

 

The pound isn't of course an issue but something strikes me as odd in this reply!

 

 

Thanks Cole, thats what i thought! just wanted to run it past your good ears to be sure! strange reply to say the least! is 24 days too long?

[sillygirl1]

HFO seem to have a large portfolio of lemons they are trying to suck dry... wonder if they have anything more positive than we have seen.

 

I really feel sorry for the people who haven't found this forum and have either paid up, are paying up and have had CCJs by default because they didn't know how easy it is to defend their rubbish.

[coledog]

It is basic telemarketing technique, SG, the more people you contact/phone the more chance you have of getting a bite. HFO also add the threat element. I think that BB has had every threat in their toolbox!

[batleyboy]

ok have heard back from citi with a bit more info, they have given me a date in 2007 that it was sold to HFO SERVICES