Citi accident cash plan

[jay2014]

Can anyone help me make a claim for PPI or do they like to call it CRP

 

on a old ex Associates Citi card account

 

whats the best thing to do where to start

 

any help would be great

 

i no longer have the account, got rid of the card, shredded the statements

 

but have the 17 digit number

 

i'm even confused about the 17 digit number do i miss the last digit off ?

 

Jay

[BRIGADIER2JCS]

Can anyone help me make a claim for PPI or do they like to call it CRP

 

on a old ex Associates Citi card account

 

whats the best thing to do where to start

 

any help would be great

 

i no longer have the account, got rid of the card, shredded the statements

 

but have the 17 digit number

 

i'm even confused about the 17 digit number do i miss the last digit off ?

 

Jay

 

 

A good start would be a SAR to Citi to get all the data, there is a £10 statutory fee for this and Citi have 40 days to comply (use a blank Postal order, marked " for statutory fee only".

 

 

Use the template from the CAG library, quote the account/card number you have, your full name and address and any previous addresses, a copy of a utility bill showing your name and current address can be sent as further proof of ID.

 

 

Address the SAR to the data controller at Citi, use signed for post and check delivery date the 40 days starts then.

[jay2014]

Thanks

 

might sound silly never bought a postal order before where do i mark it ? on the back and should i put my account number and name on the p.o

 

also do i have correct address for sar

 

Data Request Team

Citi

Riverside Road

Pride Park

Derby

DE99 3GG

 

i found this via this forum for ex citi cards

[BRIGADIER2JCS]

Thanks

 

might sound silly never bought a postal order before where do i mark it ? on the back and should i put my account number and name on the p.o

 

also do i have correct address for sar

 

Data Request Team

Citi

Riverside Road

Pride Park

Derby

DE99 3GG

 

i found this via this forum for ex citi cards

 

 

leave Payee blank.

 

 

Write " for statutory fee only" along the top edge back/front or both.

 

 

Nothing else is necessary.

[jay2014]

Ok i shall do that today

 

if anyone can confirm the address that would be a great help

 

and if anyone has any info on how to make a claim for the ppi or crp with citi that would be a great help too

 

as i know i had it with the Associates who then became citi

[BRIGADIER2JCS]

Ok i shall do that today

 

if anyone can confirm the address that would be a great help

 

and if anyone has any info on how to make a claim for the ppi or crp with citi that would be a great help too

 

as i know i had it with the Associates who then became citi

 

 

The address is still current as far as I am aware.

 

 

Get the SAR data and then come back there's people on the forums very experienced with PPI reclaims.

[theoldrouge]

be prepared for a very long fight over this, took me 2 years and in the end a very strongly worded personal complaint to citi europe chief

exec settled the matter. Citi will most likely give you the run around and send your complaint to Opus(who you will probably never have heard of:???

 

who will come up with any excuse, as due to age of the card the fos wont help.

 

The underwriters were Cumberland Life for Associates Cards

 

what are youre reasons for the mis-sale?

[BRIGADIER2JCS]

Just get the SAR off asap.

I've dealt with a number of Citi ex associates problems and they have been resolved in a reasonable time frame.

[jay2014]

No Problems

 

Sent, took scans of postal order and receipt

 

and sent 1st class recorded and even put all my stuff in a folder on my pc and usb

 

bring it on

[BRIGADIER2JCS]

No Problems

 

Sent, took scans of postal order and receipt

 

and sent 1st class recorded and even put all my stuff in a folder on my pc and usb

 

bring it on

 

 

Excellent jay please keep us up to date on progress.

[jay2014]

Update

 

well i messed up a bit

 

provided them with the wrong account number, spotted this mistake myself on the 25th aug when i found a old letter from them

 

anyway i sent them a fresh letter on the 25th basically a fresh SAR with a photocopy of my first sar and postal order the lot that i had sent them

 

gave them the correct details they needed, and asked if they could take it from there.

 

really thought they would say sod off to be honest, but i checked if the postal order had been cashed, which it had not, great

 

And to my surprise i had a letter back dated the 27th Aug from Citi

 

Basically saying no problems

 

We are currently in the process of retrieving the relevant information. This will be sent to you in 40 calendar days.

 

As per your request you can expect to receive the following information:

 

> Your agreement/application form

> Statements

> All correspondence we hold

> The personal details we hold on you

> Account notes

> Complaints information (if applicable)

 

Some of the information you requested falls outside the provisions of the data protection act as

it is not personal data. Therefore we will not be supplying this information within out response to you.

 

Yours Faithfully

Citifinacial Europe plc

 

So besides the last bit all good i would say so far

[BRIGADIER2JCS]

Update

 

well i messed up a bit

 

provided them with the wrong account number, spotted this mistake myself on the 25th aug when i found a old letter from them

 

anyway i sent them a fresh letter on the 25th basically a fresh SAR with a photocopy of my first sar and postal order the lot that i had sent them

 

gave them the correct details they needed, and asked if they could take it from there.

 

really thought they would say sod off to be honest, but i checked if the postal order had been cashed, which it had not, great

 

And to my surprise i had a letter back dated the 27th Aug from Citi

 

Basically saying no problems

 

We are currently in the process of retrieving the relevant information. This will be sent to you in 40 calendar days.

 

As per your request you can expect to receive the following information:

 

> Your agreement/application form

> Statements

> All correspondence we hold

> The personal details we hold on you

> Account notes

> Complaints information (if applicable)

 

Some of the information you requested falls outside the provisions of the data protection act as

it is not personal data. Therefore we will not be supplying this information within out response to you.

 

Yours Faithfully

Citifinacial Europe plc

 

So besides the last bit all good i would say so far

 

 

What else did you request?

[jay2014]

Hmmm

 

just what's in the sar template letter from the cag letter template

 

so guess they are saying recordings and that sort of stuff

[BRIGADIER2JCS]

Hmmm

 

just what's in the sar template letter from the cag letter template

 

so guess they are saying recordings and that sort of stuff

 

 

Have to wait and see I think.

 

 

There is an anomaly in that letter i.e. the statement that you "can expect to receive the agreement/app form" that is the one thing there is no obligation to send as sections 77/78/79 CCA 1974 deal with the supply of the agreement.

 

 

From what I 've seen just today the use of "templates" for information requests is leaving DCAs/Creditors with opportunities to avoid compliance.

I've said before all the parties are fully aware of all the templates being used and which sites they are taken from, some considerable amount of " Individuality" is needed as complacency and obsession with templates is going to cause more problems as time goes on.

[jay2014]

So your saying not to use the templates recommended by the people on CAG from the CAG templates section ??

 

[BRIGADIER2JCS]

So your saying not to use the templates recommended by the people on CAG from the CAG templates section ??

 

 

 

No, I am saying that Templates are not the always the ideal way of communicating!

[caro]

So your saying not to use the templates recommended by the people on CAG from the CAG templates section ??

 

 

You may have noticed cag templates have something along these lines alongside:-

 

template letters are not intended to simply be copied, pasted and sent. You should spend some time to ensure that the wording is appropriate for your needs and amend template letters accordingly.

[caro]

Have to wait and see I think.

 

 

There is an anomaly in that letter i.e. the statement that you "can expect to receive the agreement/app form" that is the one thing there is no obligation to send as sections 77/78/79 CCA 1974 deal with the supply of the agreement.

 

 

From what I 've seen just today the use of "templates" for information requests is leaving DCAs/Creditors with opportunities to avoid compliance.

I've said before all the parties are fully aware of all the templates being used and which sites they are taken from, some considerable amount of " Individuality" is needed as complacency and obsession with templates is going to cause more problems as time goes on.

 

I've just checked the sar template and can't see the anomaly you mention.

[BRIGADIER2JCS]

You may have noticed cag templates have something along these lines alongside:-

 

template letters are not intended to simply be copied, pasted and sent. You should spend some time to ensure that the wording is appropriate for your needs and amend template letters accordingly.

It seems Caro that templates from here and elsewhere are being treated with some measure of contempt by DCAs/Debt Purchasers/ Creditors, we all know and instantly recognise the DCAs " we might" / "we may"/ "we could" templates that flood out daily.

 

 

The problem is that templates are used indiscriminately and not amended /edited/ personalised in any way thus becoming an ineffective and frustrating medium for dealing with debt problems.

[BRIGADIER2JCS]

I've just checked the sar template and can't see the anomaly you mention.

It's just another generic "letter" as used by DCAs.

[jay2014]

I understand now sorry didn't mean any trouble about templates because to be honest i think they are great

 

now i will use them as a great starting point and use some personal input as well

 

problem with me is, my personal input is normally offensive

[jay2014]

Got my SAR back from Citi today and i had no CRP

 

But i found i have something called Accident Cash Plan 28/01/04 £7.60 a month till 28/05/04 it went up to £9.35 till 02/05/06 then my account went over its limit, so the plan stopped

 

also spotted on the 23/09/04 card protect £30.00 ???

 

Lots of nice £25.00 card fees that i will be chasing them up for i be thinking as well.

 

But 1 last thing i found while my account was closed and over limit you would not guess this they put card protection £29.99 and id protection for £59.99

 

I'm sure they would have had to sell me them, can i not have them for that they even charged me interest of £1.21

 

They put me more in debt the cheeky monkeys.

[jay2014]

Has anyone ever bought the Citi card accident cash plan ?

 

what was it for and can i claim it back, i'm sure i was mis-sold it

 

my reason for being mis-sold i would say always been self-employed

[jay2014]

Worked out the card protect bit

 

got that going all the way back to 2001, so sending of a claim for that tomorrow, pre 2005

[jay2014]

Had a reply about the card protection pre-2005

 

And no problems paying me back in full £105.00 plus interest at 8% £95.07

 

So that's 1 result from them