Cabot chasing old OPUS debt with a 6yrs+ CCJ - Statute barred?

[thelightbrigade]

Sending sar off tomorrow, not sure if there are many charges on this one, I have been pretty good with Citcards even though I dont have the card anymore............

[elsinore]

Be patient and resolute, TLB.

 

Citi will make it as difficult as possible for you.

 

Els:)

[thelightbrigade]

The sent me a form dated 15th feb looking for 2 forms of id and I had to fill out more info on the form, most of which was on the cover letter anyway, what a load of nonsense.

So I have the reply ready to be sent tomorrow, They cashed the cheque on 24/01 but stated that the 40 days is from the receipt of my id???

I am not going to restart the clock, 40 days is up from when the signed for my sar.

I have a feeling tht they are going to be rather silly.......ah well

[WendyB]

They sent my stuff fairly quickyly, and I hadn't even sent the ID anyway. That bit is quite efficient, its once you've put the claim in that they turn into complete morons:)

[Bigmark]

Hi

Unfortunately Citi informed me that the 40 days does not start until they receive any additional information they need. CITI certainly know how to flaunt this ruling.

On three occasions they waited thirty eight days then requested more information,

 

good luck

[thelightbrigade]

I sent the form and ID back to arrive yesterday morning, but in yesterdays post I received my statements with a cover letter saying that the id request will be required for the manual intervention details.

Anyway, did my calcs last night and mailed prelim today. a lot more than I expected, I wasn't such a good boy with one as I thought!! Claiming charges plus CI so adds up to a bit.

[Enron]

You'll need the manual interventions, though surprised that they have sent you your statements but not those.

 

Its just stalling, if you have a registerred account with them and they already send a monthly statement there - its a bit eronious to then request further ID.

 

YOU WILL NEED MANUAL INTERVENTION SHEETS, for your claim to cover a period when charges were made to your account.

 

However if they dont supply manual intervention sheets i've got the complaint forms for the Information Commissioners Office - and you can raise the issue of non-compliance with the judge if nothing materialises.

[thelightbrigade]

Thanks Enron, I should get my first fob off letter soon, better get my LBA ready

[Enron]

As with everything, keep copies of everything sent to and from yourself.

 

If you have received your statements after providing ID, and they are requesting ID again for the manual intervention sheets - they are just wasting your time.

 

Write a letter of complaint to Citi because they shouldnt need more ID when you've already provided it, and they've supplied your statements. And another to the Information Commissioners Office (you can google and get the website) including a copy of your letter which you'll send to Citi attached.

 

Someone has said that they purged their manual intervention system, so everything pre-2006 is gone. Which is very naughty indeed.

 

However i'm going to write a letter as I did get my manual intervention sheets - and they prove that late payment charges are a fully automated process.

 

If you need any help let me know, the Allocation Questionnaire stage is the most important part for claimants - get in touch with me when you get to this stage.

[thelightbrigade]

I have only had the one request for ID. I have not had an AQ for any of my other claims, is it just Citi being akward with this?

[Enron]

Ok, you should still request the Manual Intervention sheets if they are not included.... by writing to Citi stating that they havent fully complied with your request.

 

Then if you get no joy, which is highly likely, write to the Information Comissioners Office to make a complaint.

 

Allocation Questionnaire - this is a document that you will have to fill in that the court will send to you.

[thelightbrigade]

Prelim was signed for on 20/2 and ID was signed for on 22/2

Will send my LBA on 6/3

[thelightbrigade]

This morning I have received what is supposed to be the manual intervention info.

a 1 page list of 18 items, most saying a letter is being sent to me??

With a footnote

"All customer service notes prior to this date purged from the system"

[thelightbrigade]

Received on 1/3, an acknowledment letter " we are looking in to it etc."

 

As a general guidline we aim to fulfil the following service timeline:

1. Acknowledge all complaints within 24 hours of receipt.

2. Provide a full written updae to you with 10 working days.

3. 80% of all section 75 claims o be remedied within 21 days, subject to verificaion.

4. We will kep you informed with the prgres of your complaint, however ifwe have not resolved your compaint after 4 weks, we will write to you with an explanation for the delay and when to expect a final response.

 

I assume this is the standard reply.

I am sending my LBA to reach them on the 6/3.

[mkandy]

Yup, certainly is. Citi took 3 months to get back to me though!

[thelightbrigade]

LBA sent today

[thelightbrigade]

LBA signed for on 12/3

[Enron]

Did you get any "manual intervention" sheets along with your copy statements when you requested them??????

 

If not contact Richard Cooke in writing, saying that they have not complied fully with your request.

[thelightbrigade]

They did arrive later, just a 1 page list of what looks like freetext database entries - list of 18 items, most saying a letter is being sent to me??

With a footnote

"All customer service notes prior to this date purged from the system"

[thelightbrigade]

Been out of the loop for a while, I have just printed off my N1 and POC Will drop into the court tomorrow.

I received a letter a while ago saying they are not paying anything, so time to get the ball rolling again.

[thelightbrigade]

N1 done, so lets see what next. Does Citi usually file a defence?

[Enron]

Its like that Eversheds will file a defence on the behalf of Citi.

 

Eversheds are based in your home town funnily enough, in between the centre of Cardiff and the new Millenium centre..... drove past the building at the beginning of the year.

 

They'll be working off materials supplied to them by Citi.

 

When you have your AQ arrive get in touch with me, as I have materials that may help get the draft order adopted in your claim.

 

Citi will not validate their pre-estimate costs by providing a full breakdown of their charges which is requested by the draft order - which is half of the battle.

[thelightbrigade]

Received the notification today that they intend to defend

 

Thanks Enron, yes I know the building. Thanks for the offer, I will be in touch as I hear Citi can be tricky!

[Enron]

Yep, Citi can be tricky.... the thing with them though is they have really big holes in their defence.

 

If the draft order gets adopted you wont have to do a reply to their defence as they won't validate their charges - and there defence gets struck out. If the draft order isnt adopted then we'll handle it at that point.

[thelightbrigade]

Citi have filed their defence and I have until 26/08 to complete and return the allocation questionnaire. Better get moving.