citi A word of encouragement for citi claimants

[lickthewallfatboy]

got the statements in for my wife and myself.Totted up the total for both and we're claiming back £1085 between us.

 

Are these guys the sticklers some others seem to be?

[natalie]

I think they are all as bad as each other, trying all sorts of delaying tactics, just stick to your guns, follow YOUR timetable not their's. Good luck and keep us informed.

 

Natalie

[lickthewallfatboy]

standard sod off letter received today from Claire Morrisey,in the office of the Chief Executive,no less!!

 

Also helpfully included a financial ombudsman leaflet and advice to consult them on the problem.This was quickly consigned to "file 13" i.e. the bin!!

 

Letter before action for £1085 now composed and ready for the off this morning.

 

WHY DON'T THEY JUST GET OFF THEIR HIGH HORSES AND PAY UP?THEY KNOW THEY WILL HAVE TO EVENTUALLY!!

[natalie]

They are tring to save money, simple as that. They figure thatsome people, however small a percentage, will give up when they receive that 1st standard "No" letter and then more will give up when they receive the 2nd standard "no"letter.

 

They basically try as many delay tactics and "fobbing off" tactics as possible in hope that people will give up.

 

Natalie

[lickthewallfatboy]

well,today is the deadline for CITI response to LBA-waiting on postie any time now.If nothing is forthcoming,and I suspect that this will be the case,it's off to NI courts website!!

 

Have already totted up that including new charges and interest,we are looking at £1280 between us!!

[MARTIN3030]

Keep at it.

 

I am still waiting for statements from them.

Nice to know that will prob have to take em all the way.

 

Good luck we will be following your case. !

 

[rachel2609]

Hi there,

 

I have just received back (on my Mums behalf) over £2k from Citi, we had less problems with them than Yorkshire Bank and Lloyds TSB which are still ongoing.

 

It got as far as issuing Moneyclaim to Citi which they duly acknowledged, and then about 5 days later a cheque to my dear old Mum arrived from their Solicitors! Keep to your timetable and I am sure that you will reap the benefits

 

Best wishes

 

Rachel

[lickthewallfatboy]

thanks for the goodwishes

 

2 small claims lodged in NI small claims court for Lickthewallfatboy and good lady

 

including interest and court costs,the silly beggars at CITI will now have to fork out £1396.64....

 

my heart bleeds for them;-)

[rich2568]

Hi There

 

Keep a watch on my thread and take a positive view from it as you will see them eventually crumble!!

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/12913-rich2568-citicards-interesting-development.html

 

They feel jthat just 1% of the outsatanding claims saved will save them thousands of pounds ,so they are filing as many defences as possible!!

 

KEEP AT IT!!

[lickthewallfatboy]

Got the complete fob off letter from Claire Morissey this morning,about how CITI are reviewing their charges and hope to be able to advise customers by the end of July.

 

ah well-totally irrelevant,I'm afraid, Miss Morrisey-this letter will be winging its way to you today...

 

CLAIRE MORRISEY

OFFICE OF THE CHIEF EXECUTIVE

CITICARDS

MANCHESTER

M5 3BP

 

30 JUNE 2006

 

Dear Ms Morrisey

 

RE::xxxxxxxxxxxxxxx AND xxxxxxxxxxxxxxxxxx

 

Thank you for your letter of 29 June 2006,which was received this morning.

 

As the deadline for repayment of unlawful charges has now come and gone without full reimbursement,I have to inform you that 2 claims in respect of the above mentioned accounts were lodged with the Northern Ireland small claims court for a combined total of £1396.24,to include interest and court fees.

 

Claim nos xxxxxxxx and xxxxxxxx

 

As service of papers to the UK mainland will take slightly longer than service to an address in Northern Ireland,CITI should expect service in the next few days,according to information received from the Court processing Office in Belfast yesterday.

 

Further to this,we still are receiving incessant calls from your Asian sub-continental call centre,who do not seem to understand what a “balance of account in dispute” means,and also what “action has been taken to recover unlawful charges” involves.

 

The number of calls,and timing of them is bordering on harassment,and should stop forthwith.We formally request that all future correspondence in connection with these accounts be conducted solely in writing,due to the fact that calls from India will be completely ignored.Please inform your call centre of this and update your records to reflect this.

 

Yours sincerely

 

 

 

Wonder if we'll get a pathetic offer,full capitulation or defence of claim?MMMMMMMMMMMMMM

[lickthewallfatboy]

Despite sending this letter to citicards,the incessant telephone calls persist.-

 

10 JULY 2006

 

Dear Sir/Madam,

 

Re. ACCOUNT NOS xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

 

Despite our letter regarding ANY communication from your company, which stated that we require ALL communications in writing, your telephone calls continue.

 

This behaviour constitutes harassment; the letters stated quite clearly to you that we require ALL communications in writing for future Court use. Do not telephone us again - remove any telephone numbers you hold for us from your systems.

 

Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. For your information note that ALL telephone calls are recorded.

 

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint, containing copies of all correspondence including yours, has now been submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.

 

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

 

Communicate in writing and ONLY in writing, your telephone calls will NOT be answered.

 

HOWEVER, CALLS WILL TRIGGER COMPLAINTS TO THE REGULATORY BODIES.

 

We trust that we have made ourselves fully understood on this matter,

 

Yours faithfully,

xxxxxxxx

 

I got the template off this site,but can someone advise me as to my next steps?I'd love to initiate criminal proceedings against them.Sorry if I am missing the obvious,but this is now a serious matter.

 

thanks

[alanfromderby]

The next step would be to contact Trading Standards. It is possible that they may decide to deal with the matter on your behalf.

 

Keep us posted of progress.

[lickthewallfatboy]

thanks Alan-I always take on board what you say,and I am enjoying your thread about the mortgage penalty!!

 

Would it be best if I contact the TS nearest to Citi head office?

[alanfromderby]

It would be worth a try as they will have a good knowledge of other complaints about them.

[lickthewallfatboy]

I have drafted this letter for tomorrow's post-

 

 

 

MANCHESTER TRADING STANDARDS SERVICE

1 HAMMERSTONE ROAD

GORTON

MANCHESTER

M18 8EQ

 

18 JULY 2006

 

Dear Sir/Madam

 

I wish to register a complaint with you concerning harassment telephone calls from -

Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

 

My wife and I are currently in the process of taking 2 small claims actions against Citi Cards for recovery of unlawful charges levied against our credit card accounts.Despite 2 “cease and desist” letters being sent to them via recorded delivery(copies of which I enclose),the telephone calls continue,sometimes up to 6 times a day,and at varying times of the day-sometimes beginning shortly after 8AM in the morning.

 

I have informed them that I would be informing the relevant statuory bodies if their actions persisted,but they have clearly chosen to ignore this,and flaunt the current legislation protecting the consumer.

 

I trust you will be able to assist us using your good offices to ensure Citi Cards comply both with the law,and with our legitimate requests.

 

Yours faithfully

 

 

etc etc......

[lickthewallfatboy]

as we have continued to get incessant phone calls from citi,despite them being told to desist,I have drafted this letter for trading standards to ensure they comply with the law-

 

MANCHESTER TRADING STANDARDS SERVICE

1 HAMMERSTONE ROAD

GORTON

MANCHESTER

M18 8EQ

 

18 JULY 2006

 

Dear Sir/Madam

 

I wish to register a complaint with you concerning harassment telephone calls from -Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

 

My wife and I are currently in the process of taking 2 small claims actions against Citi Cards for recovery of unlawful charges levied against our credit card accounts.Despite 2 “cease and desist” letters being sent to them via recorded delivery(copies of which I enclose),the telephone calls continue,sometimes up to 6 times a day,and at varying times of the day-sometimes beginning shortly after 8AM in the morning.

 

I have informed them that I would be informing the relevant statuory bodies if their actions persisted,but they have clearly chosen to ignore this,and flaunt the current legislation protecting the consumer.

 

I trust you will be able to assist us using your good offices to ensure Citi Cards comply both with the law,and with our legitimate requests.

 

Yours faithfully

 

 

 

 

This should make them sit up and take notice instead of trying to ride roughshod over people's wishes!!

[MARTIN3030]

Sounds ok but why not quote the legislation ?

 

Quite often thrading standards have to look up this,and either way will ask you which specific sections of the legislation you are reffering to.

 

Putting the relevant sections down will save them contacting you again for your clarification.

 

Reason I am suggesting this as on 2 occasions recently I have been asked following my complaints to quote the sections.

 

[lickthewallfatboy]

cheers Martin.I've added this sheet as well

 

LEGISLATION/GUIDLINES WHICH CITI HAVE BEEN IN BREACH OF-

 

 

1 .This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient.

 

2. Continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

 

3. Protection from Harassment Act 1997-

 

Every individual has a right to be free from harassment and, accordingly, a person must not pursue a course of conduct which amounts to harassment of another and-

(a) is intended to amount to harassment of that person; or

(b) occurs in circumstances where it would appear to a reasonable person that it would amount to harassment of that person

 

The offence of causing harassment is arrestable under the provisions of Section 24(2) of the Police and Criminal Evidence Act 1984 and attracts the powers associated with such offences.

 

Section 3 enables a person who is, or may become, the victim of behaviour prohibited by Section 1 to take civil proceedings against the perpetrator.

 

 

4. Breach of the Office of Fair Trading guidelines on harassment

para 2.2-sub para G-

 

“Ignoring or disregarding Debtors legitimate wishes in respect of when and where to contact them.”

[MARTIN3030]

Bob on !

 

[lickthewallfatboy]

bit of an update-

if you need to report harrassment calls to trading standards,it has to be lodged with your own local office,not the office local to the institution you are complaining about.

 

So if you're reading in,CITI,expect a letter from mine this week!!!

 

Anyway,the trained monkeys at CITI decided,in their infinite wisdom,to send me a default notice -ROFLMAO

 

The stupidity of this "bank" crosses new boundaries every week.

 

This is the reply I sent today-I think you can tell by the tone of the letter that I have just about had it up to here with these leeches!!

 

 

COLLECTIONS DEPARTMENT

CITICARDS

SALFORD

MANCHESTER

 

24 JULY 2006

 

WITHOUT PREJUDICE

 

Dear Mr Ryan

 

IMPORTANT- YOUSHOULD READ THIS EXTREMELY CAREFULLY!!!!

 

RE DEFAULT NOTICE ISSUED ACCOUNT NO xxxxxxxxxxxxxxxx

 

 

Thank you for the default notice I received today.After I had finished laughing,I decided to enlighten you somewhat as to relevant issues.

 

I am undecided as to whether CITI are -

 

a.in ignorance of consumer law

 

b.in complete denial of the pending legal action against CITI in respect of the account.

 

c.attempting to bully their customers whom they suspect are easily upset,and who take such letters seriously

 

Or indeed a combination of the 3 options.

 

I regret to inform you that options (a) and © do not apply to me,so you have wasted both your time and a sheet of paper,not to mention postal costs in sending a totally unlawful,and,therefore,inapplicable default notice.When my pending legal action is settled,my account shall be cleared.

 

Furthermore,and I do not intend to repeat myself again,your call centre insists on harassing us despite requests for this to cease and desist.These calls are being logged,and as you so helpfully advise in the default notice, Trading Standards have been fully appraised of the situation,so expect to be in communication with them very soon.

 

In the unlikely event that CITI decide to actually defend the action in court,your default notice shall be included in any evidence I present for consideration.This will demonstrate to the court that CITI have failed to even attempt to amicably resolve the issue leaving me no alternative but to resort to legal action.The court will undoubtedly be very interested to hear that CITI are seeking to subvert any legal proceedings by attempting to extract payment,not just once,but twice,of unlawful charges.

 

 

Yours faithfully

ltwf

[MARTIN3030]

Hmnn

 

I suspect that trading standards in Salford have had quite a few letters too.

Be prepared for them making an application to have any hearing held there.

 

Your letter is quite straight to the point and if used in court should liven up the proceedings maybe giving some joviality to an otherwise formal procedure.

 

 

[norvernrob]

I don't know what it is with CITI and written correspondence, but I have written 4 times in the last 3 months to give them my new bank account details, 1 letter to my branch and 3 to the offices in Sunderland that send me letters. They obviously haven't been read as they keep sending letters saying my account is going further into arrears! I got a letter today asking for a payment within 7 days - well I've been trying to pay them for the last 3 months and I haven't got the money to pay within 7 days now!

 

They are definitely shocking with the telephone calls, my sister recently got a job working for them and she couldn't stand it, she gave it up after 2 months because of how they had to harrass people, some that simply had no money.

 

I also asked them to stop ringing me as i'm never in and father is ill and doesn't like constantly answering the phone, obviously they either haven't read that either or ignored it as I get calls from them from 8am at the earliest to 9.30pm at the latest! I know the number and don't answer it now. I have proof of postage and copies of all letters so i'll write yet another letter and see where it gets me.

[Rooster-UK]

Hi norvernrob.

Phone harrassment is an absolute nightmare.

 

Have a look at Malcontent's thread......

 

http://www.consumeractiongroup.co.uk/forum/general/14977-reporting-harassment.html?highlight=harrassment#post115034

 

 

Or try the following, tailored to fit your details.....

 

Katherine Blunt,

Legal Compliance Specialist

Capital One Bank (Europe) plc

Trent House

Station street

Nottingham

NG2 3HX

 

Dear Ms. Blunt,

 

Over the last few days I have been receiving a string of phone calls from you regarding a missed payment. I should point out, as I have already done verbally, that the problem is solely due to your unlawful charges against my account, which I shall be pursuing separately. These phone calls have been coming at the rate of several a day, and were initiated by a woman describing herself as your Accounts Manager.

 

This clearly constitutes unlawful harassment, and breaches:

 

1) Section 40 Administration of Justice Act 1970.

2) Protection from Harassment act 1970.

3) Article 8 Human Right Act 1990 - Right to respect for private and family life.

 

If you do not wish me to take action against you under the above Acts, I require these calls to cease immediately. In addition, I am no longer willing to communicate with you via the phone. Any further communications must be in writing ONLY, to the above address.

 

Please note that all phonecalls are recorded. These recordings will be presented as evidence in any ensueing legal action.

 

Yours sincerely,

( Tailor to fit. )

 

Whatever you decide to send, send it recorded delivery, then they can't deny receiving it.

[lickthewallfatboy]

CITI have rung my mobile 3 times in the last 2 hours-I just hit the red button and cut them off.I have written twice to tell them that they will be ignored.

 

I really want to make these guys pay.....I have totally had it with them!!

[ian.bjj]

Great fun init!..

 

might be worth contacting your local CAB.. they can put extra pressure on them to get them to stop. If not Trading Standards

 

But dont forget to make the Court aware of the breach of sect 40... a criminal action means they can rule the whole contract unlawful and therefore unenforcable!