Citi card - PENALTY AND Cardholder Repayment Protection reclaiming

[plastered]

Received my DSAR from CitiFinancial re; platinum credit card taken out in 2003.

 

 

received copies of statements and original application form, which includes a ticked box for "Cardholder Repayment Protection"

 

 

which statements show I paid an average of £20 per month ,

 

 

is this the same as PPI??

 

 

I cannot remember asking for this.

 

the statements also shows numerous Late Charges and Overlimit Charges for £20 a time.

 

 

Also, £5 charges for cash advances.

 

Many advice would be welcomed.

[dx100uk]

yes its PPI

 

 

the charges will be very difficult as they are outside of 6yrs.

[maroondevo52]

Send your complaint to...

 

Citi Card

PO Box 4904

Worthing

BN99 3AS

[citizenB]

I suspect you wont get the cash advance charges back either they are standard with most cards.

[maroondevo52]

Fill in the FOS consumer questionnaire and return it with your complaint.......

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/PPI.html

 

 

 

You will get all the help you need here without using any claims companies

[plastered]

not sure of my next steps,

 

 

do I send that form to citizens?

 

 

Do I ask highlight the cardholder repayment protection and charges all together or separate?

 

 

What do I state on letter?

 

I have no experience of any of this?

 

 

Is there any sample letters I could use to help me?

 

 

Any advice welcome.

[dx100uk]

PENALTY charges & PPI claim MUST be kept separate.

 

 

what have you done

and filled out to date please

on each reclaim

 

 

dx

[theoldrouge]

Over limit charges caused by addition of misold PPI

 

Should be refunded as further redress

 

As per FCA handbook clause 3.9.2G

[plastered]

I have done nothing. Just looked through the 100's of pages sent to me! No idea where to start

[plastered]

I have done nothing. Just looked through the 100's of pages sent to me! No idea where to start

[plastered]

PENALTY charges & PPI claim MUST be kept separate.

 

 

what have you done

and filled out to date please

on each reclaim

 

 

dx

I have just searched through the statements for now and highlighted the CARDHOLDER REPAYMENT PROTECTION. What is my next move?

[dx100uk]

CISheet v101.xls

 

 

find their APR on their paperwork

 

 

enter that in cell d 15

 

 

then enter EVERY CRP on the date it occurred and its cost

individually on a new row

[plastered]

I cannot open the link

[dx100uk]

is it saying attachment.php for the filename when you click it?

 

 

dx

[plastered]

yes it is, my son says we don't have excel , it seems to be opening in Microsoft office 2010 - im a technophobe!..

however , another site (consumerwiki) has suggested this spreadsheet link from blue yonder

 

 

it is ok to use?

[dx100uk]

if you have office you have excel

 

 

click to download it by choose save as

 

 

save it as CISHEET.XLS

 

 

then open it

 

 

dx

[plastered]

YES, I have got that sorted. now what?

[dx100uk]

post 12 refers

 

 

dx

[plastered]

Sorry, you have lost me!!

[dx100uk]

CISheet v101.xls

 

 

find their APR on their paperwork

 

 

enter that in cell d 15

 

 

then enter EVERY CRP on the date it occurred and its cost

individually on a new row

[plastered]

CISheet v101.xls

 

 

find their APR on their paperwork

 

 

enter that in cell d 15

 

 

then enter EVERY CRP on the date it occurred and its cost

individually on a new row

 

OK, I am filling in all the CRP on each line.

looking at the various statements ,

the interst seems to change.

 

 

I took out the card in feb 2003 with a cash advance ( for balance transfer )of £1550 which says "0% P.A. FOR 6 MONTHS PROMOTION".

also "cash interest at 0.94% per month"

 

Interest summary on statement June 2004 shows:

retail 0.945% APR 11.9%

cash 0.945% APR 13.3%

 

this increases in feb 2005 and again in july 2005

[dx100uk]

then you'll have to use an average. for cell d15 of all the relevant rates and years.

 

 

dx

[plastered]

THANK YOU DX. I will keep going as best I can and finish tomorrow. good night, thanks again.

[dx100uk]

take it easy

 

 

go read a few like threads to

 

 

all helps the self help ethos as well

 

 

dx

[plastered]

Many thanks