Citi Cards being obstructive with SAR

[coledog]

Hi and welcome

 

Citi still have up to 40 days to supply a SAR and asking for Id should not delay this, they should still provide this within 40 days. I have received the same letter from them and think it must be a standard response, I would suggest a quick reply saying that id has already been forwarded but attach a copy of your utility bill anyway.

 

Citi are probably quite busy with SARs at the moment, poor loves but are probably just following process.

 

Are you able to share with us who is harassing you?

[coledog]

they are truly a crudite compnay of the first degree

Yes understood - they are all bottom feeders. You need to weight up the importance of getting the SAR from Citi ASAP, that it why, I say, just send them the bloody gas bill and then also make a complaint about them. They probably have so much to do - 're-constituting' documents and justifying their dubious lending practices etc that they need the time! (In my humble opinion anyway).

[coledog]

I have just looked at my letter and I think that it is a stock response to each SAR request they get. Also I notice that they have got my post code wrong (good job I have an alert postie) and I now live in a 'Terrance' - muppets! Hopefully the id will help them get this right at least!

[coledog]

That seems direct and to the point - fine. You must really have it in for Citi!

[coledog]

Yes - obviously they have problems with actually dealing with correspondence which does not promote confidence in their abilities to handle anything else!

[coledog]

Subbing

[coledog]

Interesting to see what the Citi SAR throws up, I think that you need both. A DCA will not necesarily have a credit agreement or default notice as it is the most annoying thing that they are chasing debts without the necessary paperwork or knowing if this exists.

 

I assume that the letter of introduction is being classed as the Notice of Assignment - you could do with posting that up.

 

You need Citi to confirm exactly when this was sold.

[coledog]

The telephone info is an interesting one and I would certainly have a word with ICO about that to confirm if that is their view of things.

 

There is plenty of 'personal information' (anonymous of course) posted on here and it does enable people to offer advice to you and is informative to others.

[coledog]

All depends where you are going with this but there are lots of people with similar problems and worse.

[coledog]

Sorry - can't seem to see anything, just the logos. Try saving as PDF files

[coledog]

I am just seeing a letter heading on the Citi one. Can anyone else see it? Have already seen the 1st crud one

[coledog]

Hi

 

I think that you have a lot of evidence to contest this and don't really understand why you are not sending the account in dispute letter.

 

I have received an almost identical response from Citi and, as with you, there are no copies of any corespondence sent to me, as they are saying that they do not keep these, which appears to absolute rubbish. Also no details of who the account was sold to and when and no details of manual intervention. I am going to send the following - the list can be adapted 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,

 

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

[coledog]

This is my letter - snap, although I think I got less than you!

SAR Anon.pdf

[coledog]

I don't either but if you have a look at Batleyboy's thread, Citifinancial have tried to say that he has to ask for this info under CCA, I have no idea where they are going with this or why they have no records of correspondence sent out. Link to BBs thread, look at the latest posts.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?273801-HFO-have-today-contacted-me

[coledog]

There is something funny here (not just BB and MC union which is hilarious), If a debt is sold on, the CRA does not record it as 'settled' as normally the record will just be changed to show the debt 'in default' and show it to to be in the name of the new owner. CRAs normally only record a entry for 6 years after the default date so this should actually have gone completely by now.

 

I still think that you should tell all these fffffers to Foxtrot off and put it behind you. BUT keep up the complaints.

 

My SAR has revealed one interesting thing in that Citi received a letter from a Social Services department that revealed that I was in a a very bad place and was not to be harrassed. Also that I had been recommended to apply for BR and that there was no way I could ever come to an agreement with them. What did Citi do? Immediately off load this to lowlifes and I now would be very interested to know if any of this info was passed on.

 

I am happy to keep the official complaints going in the hope that someone will take some action and prevent this misery from happening, again and again.

[coledog]

Very suspect - will take an overworked ICO to sort this out

[coledog]

Keep it up:razz:

[coledog]

Go for it - well done

[coledog]

Send them this. They will probably come back and quote Carey back at you but that ruling was in completely different circumstances. Welcome back!

 

 

Address

 

Date

 

Dear sir/madam

 

I acknowledge no debt to your company.

 

Thank you for your response to my request under the Consumer Credit Act section 78.

 

As you have forwarded a reconstituted agreement, you will need to confirm that you have the original signed Agreement, and in what form, ie microfiche, together with the reason this has not been sent at this request.

 

I consider that this account is still in dispute.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer Credit Act 1974 and would therefore only be enforceable by a court under s65. However, the absence of any ( signature ) means that a court would be prevented from enforcing it under s127(3).

 

I am granting to you a further 21 days to produce a copy of an executable agreement. After that I will consider that the above account is closed and that you will no longer pursue the alleged debt.

 

After this period you should close the file and cease processing an personal data relating to me on this matter.

 

Yours faithfully

[coledog]

Thanks Nicklea, I agree but I strongly suspect that Citi do not have the originals or are not prepared to divulge them. They cannot even supply application forms. No original documents have yet been produced in court in my experience, in a Citi case. I am not sure that these 'recons' even meet with Carey as they only show T and Cs at the start and end of the account and no variations in between.

 

Never used an s10 application so this is interesting. Just continuing to object to the CCA response does seem effective with these DCAs, though.

[coledog]

The 'recon', MC is a standard Citi recon but have never heard of one presented to a court, unless someone can enlighten me.

[coledog]

My advice is based on the fact that I have never yet seen a DCA produce a Citi agreement in court, even if they have previously issued a recon in response to a CCA request. I could be wrong and I would like any more info anyone has on this. The Citi recons are also normally made up of two sets of T&Cs, one suppose to be when the account was opened, usually with 'The Associates' and one when the account was closed, they do not cover any changes that may have occured in between. Citi seem to be a very disfunctional company IMO and I am not sure that they would actually supply information to support the limited documentation they are providing

[coledog]

Hi Mate

 

Glad to see you back! I would ignore and send a complaint to OFT about them sending you misleading and threatening pseudo legal correspondence. 1st Crud have been under a 'warning' for years so about time they got more stick.Think they are a bit busy with some other DCA who will remain nameless. Did you write back to them and inform them that the recon was a load of old bull and Account still in dispute?