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    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
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Tinkerbelle

Citi Cards Address ***UPDATED NOVEMBER ***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2983 days.

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Mark Clibbens

Office of the Chief Executive

Citi Cards

CitiFinancial Europe plc

P.O. Box 54

Salford

Manchester

M5 3BP

  • Confused 1

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Here's the name & address of the Data Protection Officer, Citi Cards.

 

Richard Cooke

Data Protection Officer

Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

 

It looks like the place to send the intial DPA request.


Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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Hi Did You Have Any Problems Getting Letter To Citi Bank, As Mine Has Been Returned Once Already, Yet Address Was Correct, It Was On Form They Sent Asking For Extra Info. Have Sent Again 5 Days Ago Yet Royal Mail Still Has No Confirmation Of Delivery ??

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Hi there,

 

Yes I have was able to get hold of them using this Address with the P. O Box number. Use that and you should be fine, well I did so you too should be okay.

 

Later!!


:o :o :lol: :D :D

 

 

 

 

More Power to the PEOPEL!! LONG LIVE the CAG!!!

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Hi Did You Have Any Problems Getting Letter To Citi Bank, As Mine Has Been Returned Once Already, Yet Address Was Correct, It Was On Form They Sent Asking For Extra Info. Have Sent Again 5 Days Ago Yet Royal Mail Still Has No Confirmation Of Delivery ??

 

Yes sharman24, I had the same problem.

Based on this thread, I sent my Data Protection Act Subject Access Request to:

Richard Cooke

Data Protection Officer

Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

 

It reached Richard Cooke the next day. He wrote back to me requesting confirmation of ID if I wanted details of manual intervention. His enclosed form said "please return the completed form to:

The Data Protection Officer

Compliance Department

1 Exchange Quay

Salford Quays

Manchester

M5 3EA"

 

So I sent the form and two forms of ID as requested to the address on the form. It didn't arrive, but came back to me about three days later with a Royal Mail sticker on it. The sticker with check boxes had a cross in the "address incomplete" box.

 

I returned the form the same day to the original address:

Richard Cooke

Data Protection Officer

Citi Cards

CitiFinancial Europe plc

1 Exchange Quay

Salford

Manchester

M5 3EA

...with no problem. I received my data 13 days after my Data Protection Act Subject Access Request arrived with Citi Cards.

 

I have contacted Richard Cooke to suggest the incorrect address on the form is amended (as I think quite a few people may try to use it!)


Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Richards Phone number is 0800 0 569 569


:o :o :lol: :D :D

 

 

 

 

More Power to the PEOPEL!! LONG LIVE the CAG!!!

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If you get a defence back, it's signed by Brian Smith - SOLICITOR!, however he has a habit of using headed paper with no telephone number, so if you need to talk to him here is his number (I had to talk to four different phone monkeys before eventually getting the number):-0800 146 188

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Hi

 

Do we use the same address for all CitiGroup(i.e CitiBank, CitiCards, CitiFinancial) DPA requests?


Just some guy. I try to help, but all advice is my opinion.

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Hi guys,

 

I work for CItigroup (I'm really NOT proud of it). Maybe I can help.....

CitiCards use the Exchange Quay address, CitiFinancial & Future Mortgages go to 6 Admiral Way, Doxfor Park, Sunderland, Tyne & Wear SR3 3XW and for CitiBank it's 25-33 Canada Square London (Canary Wharf). I'll use the internal address book to find you names and numbers if you let me know who you're after.

 

http://www.innercitypress.org/citi

 

D

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Hi, Can I Chase Up Citi Cards If My Debt Has Been Passed To A Debt Collection Agency.

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Yes you can.


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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Hi Shovey, please start your own thread on this case. You will receive more help.:wink:

 

I remember a case on this forum, I think it was Citi cards, where the debt had been sold to a debt collection agency for a sum greatly reduced from that owed. However, the DCA tried to collect the full amount, thereby making a nice profit. Citi cards tried to argue that as they had sold the debt on, they could not be approached for any penalty charges. WRONG!! Perhaps someone could help out in finding this thread. I have tried but without success so far.:(

 

You need to continue paying the DCA and start proceedings against Citi cards using the templates on this forum. Good luck.:)

 

 

Don't let the fatherless chillen get ya!:grin:


Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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However, the DCA tried to collect the full amount, thereby making a nice profit. :

 

 

DCA's are in business to make a profit, what they buy the debt for makes us feel they shouldn't get full whack but to be honest it's non of our business ( and I am no lover of DCA's believe me) that is down to the banks bad negotiating and the DCA's good fortune. They probably only pay about 7-12% of the face value but that's just good business. We can use that knowledge best by negotiating full and final settlements knowing that as long as they pick up a relatively reasonable profit they will do a deal.Whatever it ends up as it'll be less than you owed in the first place so there's the benefit. They love the £5 or £10 a month merchants and they use their mind blowing arrogance and deceipt to frighten the living daylights out of most people knowing most people will buckle to their intimidation. This site is helping people take them on at their own game by using what they ignore - the law!

 

So don't be too angered by what they might have paid for the debt, use your loaf and get the CCA requests going because they are nototiously bad at having all the correct paperwork in place to enable them to collect these debts, they play on our ignorance, they have little knowledge about your rights to restrict telephone calls from them Communications Act etc. and they don't like it when you stop their harrassment tactics by using the law so get them that way and you'll find you'll win.

  • Haha 1

Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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Andrew1, am I correct in thinking that you are saying that Shovey should go after the DCA for the refund of penalty charges? Penalty charges have been applied by Citi Cards and it is they who should be made to refund them whether they have sold on the debt or not.:|

 

You are right when you say that if you quote the law at DCAs, they will back off. I have a thread concerning Certegy (Transax) who threatened to pass on (sell) my amount owed to a DCA. This amount was comprised purely of charges and I pointed out to them that as the charges were in fact unlawfully applied they would be obtaining money by deception. In the end they waived the charges in full as a gesture of goodwill. Read the thread here.:D

 

 

I'm still looking for the thread where the debt was sold on and the CC company tried to wash their hands of it.;)

 

 

Don't let the fatherless chillen get ya!:D


Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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yes any penalty charges should be claimed from the bank as it was them who applied them.


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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Andrew1, am I correct in thinking that you are saying that Shovey should go after the DCA for the refund of penalty charges? Penalty charges have been applied by Citi Cards and it is they who should be made to refund them whether they have sold on the debt or not.:|

 

 

 

 

It's an interesting and debated point although what Martin has said above is true, you should go after the bank, it seems to be what most are doing. - I haven't really had the time to follow the thought-trail of what was initially discussed earlier on the site ( way back!) that when the debt was sold the buyer (dca) took with it the responsibility of the contract and therefore should repay the charges also. Martin might be able to throw some light on it though. My citi card debt was sold on to Cabot and they have fouled badly by not responding at all to my CCA request but my claim for charges is being levied at Citi - still at the fob off stage! I can't see cabot paying them although going by the Lick the Wall fatboy experience in N.Ireland it might be a better option just now.


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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Whoooops!!


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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Andy the contract between you and the bank effectively becomes void once the account is closed.

Lets not forget also that the DCA pays a fraction of the debt value to buy the debt from the Bank........The banks take advantage of debt write offs /Tax etc

 

Although the DCA then usually re registers any defaults with the Cras.

 

As regards removal of defaults the section 10 notice is there to prevent further processing of your data (or to seek to demand this )

 

There is the point that once the contract between you and the bank ends then so does their right to carry on processing your information and that includes third parties.

The DCA therefore is also in the wrong unless you have expressly given them permission to process your data to third parties.

This becomes a Data protection issue.


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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Andy the contract between you and the bank effectively becomes void once the account is closed.

 

.

 

Martin, Tinks is going to give us a hard time if I respond to this but maybe she'll move us somewhere else ;)

 

If the contract becomes void, you are saying that with the debt being sold NO part of the contract passes to the DCA? I can't remember exactly how it was explained previously, but I was of the opinion that some the contract responsibilities passed to the dca in some form or another.

 

I'm okay with the Default bits that's no problem.

 

Anyway I'm off before Tinks comes back ! :D


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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I would imagine the only contract that exists would be of that between the bank and the dca.

 

You certainly would not personally be any part of the contract.


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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What are you suggesting.............Tinks is in a mood today ??????:o


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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What are you suggesting.............Tinks is in a mood today ??????:o

 

 

No - wouldn't dream of it! but when she says buzz off she normally means BUZZ OFF !!!:D


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 2983 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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