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Hi everyone,

 

I'm helping my Dad claim his charges back from Citi. Been reading other threads about Citi on here and they seem to be taking a totally different tac to other insituations.

 

After the lba, Dad's account has been credited with £130, this being the difference between their old charge of £25 and their new charge of £12. This seems to be a standard reply from them now and I am NOT deterred by them saying that if we pursue it any further that they will defend it.

 

But, please could someone advise as to what I should do next?

 

When claiming from my own banks, I wrote back declining the partial offers to which they all responded positively with a full refund, but as this lot have already applied the money to Dad's account I guess I'm going to have top accept it as a partial refund. Do I give them another 14 days to cough up the rest or go straight to MCOL?

 

Thanks in anticipation

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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Hi Hennie,

 

Citi have indeed take a different tact.

 

Try this letter.

 

 

Dear xxxx

 

Re Account no xxxxx

 

I note from my account balance that the sums totaling xxxx have been placed into my account. I can only assume that these amounts have been credited in to my account in furtherance of the claim which I am currently pursuing. I therefore thank you for this sum which I accept in accordance to with my duty to mitigate my loss as partial satisfaction of my claim. However, I must inform you that I fully intend to continue my claim for the full amount.

 

In accepting this part payment, I am in no way consenting to any variation in terms of the contract. I note that no variation of the terms in the contract can be conducted by yourselves unless 30 days notice in writing is ganted as per clause 30.1 of the terms and conditions of the contract. If I am in fact mistaken about the payment being made in relation to my claim, please rectify the mistake by removing the amount from my account and please be so kind as to let me know if this is so.

 

Yours Faithfully

 

xxxxx

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Having a similar problem:

 

Citi card offered me 40% of my total claim of approx £800. I sent the standard letter saying "i will only accept this as a part payment". They've come back to me saying bascially this is all you're getting.

 

So i've raised an action on MCOL for the full amount of £800. Anyway, just received my statement and they've credited my account with the £372 (40%) already.

 

I've just spoken to their complaints line saying 'are you going to take this back as i've taking you to court for the full amount?'' and they said no and that this was their final offer but if i was to win in court they'd give me the rest back????

 

Does this mean i need to contact the court and tell them i've been offered a part payment???

 

Thanks guys - need your wise advice.....

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

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Can anyone help me with this?

 

Cheers

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

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Hi Acestealer,

 

Don't panic. If you've lodged a mcol for the full amount, the follow up paperwork from the court will allow you to inform the court of any part payments since the date of your claim.

 

Court proceedings are slow but effective and efficient.

 

Just let the paperwork catch up.

 

 

Hope this helps

 

Cheers

 

 

Paul

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You could not make this up.

 

This is funnier than a Bernard Manning Christmas special.......what are they on at Citi ?:rolleyes:

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.

 

 

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talk about taking the biscuit ?????:rolleyes:

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.

 

 

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I know it's absolutely ridiculous - the man i spoke to at Citi kept putting me on hold to speak to his boss as he clearly didn't have a clue what to say to me.

 

He was bascially giving me advice on how to put my claim through the court and get the whole lot back - you have to laugh. He very strongly implied i'll get my full claim from them as soon as i raise a court action!!!

 

Bless them.....

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

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Hi Hennie,

 

Citi have indeed take a different tact.

 

Try this letter.

 

 

Dear xxxx

 

Re Account no xxxxx

 

I note from my account balance that the sums totaling xxxx have been placed into my account. I can only assume that these amounts have been credited in to my account in furtherance of the claim which I am currently pursuing. I therefore thank you for this sum which I accept in accordance to with my duty to mitigate my loss as partial satisfaction of my claim. However, I must inform you that I fully intend to continue my claim for the full amount.

 

In accepting this part payment, I am in no way consenting to any variation in terms of the contract. I note that no variation of the terms in the contract can be conducted by yourselves unless 30 days notice in writing is ganted as per clause 30.1 of the terms and conditions of the contract. If I am in fact mistaken about the payment being made in relation to my claim, please rectify the mistake by removing the amount from my account and please be so kind as to let me know if this is so.

 

Yours Faithfully

 

xxxxx

 

Thanks zootscoot for the template - it sounds very impressive!

 

Please may I ask though what clause 30 is? I'm not sure that I fully understand that bit.

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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He was bascially giving me advice on how to put my claim through the court and get the whole lot back - you have to laugh. He very strongly implied i'll get my full claim from them as soon as i raise a court action!!!

 

 

Follow their expert advice then!

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And ask him to tell Brian to get his finger out with the other claims.;-)

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.

 

 

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And ask him to tell Brian to get his finger out with the other claims.;-)

 

I hope Brian doesn't take any work expeirence from local uni's as the students could well end up on comic relief instead of in a court.

Consumer Health Forums - where you can discuss any health or relationship matters.

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I hope Brian doesn't take any work expeirence from local uni's as the students could well end up on comic relief instead of in a court.

 

 

 

 

:rolleyes:

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.

 

 

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Now lets not make this personal. I`m sure that outside of work Brian is a perfectly nice person who is just doing his job and representing his employer to the best of his ability.

 

Its just a shame that his employer has been charging more than its administrative cost and as such breaking the law for some considerable time.

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.

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Now lets not make this personal. I`m sure that outside of work Brian is a perfectly nice person who is just doing his job and representing his employer to the best of his ability.

 

Its just a shame that his employer has been charging more than its administrative cost and as such breaking the law for some considerable time.

 

Just a shame about the level of his abilities! And come to that his choice of employer.

Consumer Health Forums - where you can discuss any health or relationship matters.

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The money must be good! Albeit had a friend who was a student in Salford and wasn`t entirely complimentary about the area.

 

At the end of the day.... now that Citi Card have stated £12.88 is there cost for a default will they be refunding ALL customers who have been illegally charged in excess of this amount, not just the ones who take the trouble to contact them.

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.

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The money must be good! Albeit had a friend who was a student in Salford and wasn`t entirely complimentary about the area.

 

At the end of the day.... now that Citi Card have stated £12.88 is there cost for a default will they be refunding ALL customers who have been illegally charged in excess of this amount, not just the ones who take the trouble to contact them.

 

They may have stated that to one judge but the battle is so not over yet - take the £12.88 with a pinch of salt at present I am sure there will be more to come.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Now lets not make this personal. I`m sure that outside of work Brian is a perfectly nice person who is just doing his job and representing his employer to the best of his ability.

 

Its just a shame that his employer has been charging more than its administrative cost and as such breaking the law for some considerable time.

 

 

You dont work in his office do you:rolleyes: ?

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.

 

 

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Nope, live down south.

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.

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I can't believe how incompetent this lot are, its getting beyond belief!

 

Dad got a letter today, to say that they've been charging him the WRONG amount of interest on his credit card!

 

It didn't say how much they had been charging OR how long they'd been doing it for - no wonder the balance had been going up each time Dad made the mimimum payment!!

 

Anyway, they are "refunding" the over charge and state that the correct interest rates are 24% and 27% respectively - what a rip off!!

HSBC Bank Account £70 Settled in FULL

HSBC Credit Card £160 Settled in FULL

Marbles Credit Card £150 Settled in FULL

Sainsbury's Credit Card £100 Settled with £5 interest after LBA

Lloyds TSB £95 Settled in FULL

 

On behalf of my Dad:

Yorkshire Bank Credit Card £302 Offered half

Citi Cards £250 Refunded automatically half to card

Capital one £672 Offered a third

Lloyds TSB £105 - Sent request for repayment

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I can't believe how incompetent this lot are, its getting beyond belief!

 

Dad got a letter today, to say that they've been charging him the WRONG amount of interest on his credit card!

 

It didn't say how much they had been charging OR how long they'd been doing it for - no wonder the balance had been going up each time Dad made the mimimum payment!!

 

Anyway, they are "refunding" the over charge and state that the correct interest rates are 24% and 27% respectively - what a rip off!!

 

Well at least this is one dispute in which they did not quote their overrated ill informed infamous Northern Ireland victory...........:rolleyes:

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.

 

 

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Well at least this is one dispute in which they did not quote their overrated ill informed infamous Northern Ireland victory...........:rolleyes:

 

Would have been too many subjects in one letter and they would have lost focus - clear explanations are not their strong points!

Consumer Health Forums - where you can discuss any health or relationship matters.

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Would have been too many subjects in one letter and they would have lost focus - clear explanations are not their strong points!

 

 

You can say that again.................:rolleyes:

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.

 

 

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