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adl999 vs Citibank (formerly People's Bank Connecticut)


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Gost some statements dating back to 2001 showing at least 3 late charges of £15 each. Not sure what is on the statements I haven't dug out yet! Anyway, SAR letter off to them in post tomorrow... I'll keep this thread updated with progress!

MBNA - S.A.R sent 17/11/06

CitiBank (Credit Cards) - S.A.R sent 17/11/06

RBS Advanta - S.A.R sent 17/11/06 Response received 30/11/06

Lloyds TSB - S.A.R sent 17/11/06

 

To follow... Mint... Egg... Marbles...

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Gost some statements dating back to 2001 showing at least 3 late charges of £15 each. Not sure what is on the statements I haven't dug out yet! Anyway, S.A.R - (Subject Access Request) letter off to them in post tomorrow... I'll keep this thread updated with progress!

 

Good Luck

  • Haha 1

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 2 weeks later...

Can you please tell me what address you used for peoplebank ?

 

I am going to send SAR to them for one of Hubbies old accounts - and I can't find an address for them - would appreciate it if you have it - thanks and goodluck !!!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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I sent mine to:

 

CITIBANK INTERNATIONAL PLC

CITIGROUP CENTRE

CANADA SQUARE

CANARY WHARF

LONDON

E14 5LB

 

Which I got from the Information Commissioner's website (http://www.esd.informationcommissioner.gov.uk/esd/Search.asp) but think I should have used the Salford address posted elsewhere here. Hopefully they'll forward it...

 

Good luck!

MBNA - S.A.R sent 17/11/06

CitiBank (Credit Cards) - S.A.R sent 17/11/06

RBS Advanta - S.A.R sent 17/11/06 Response received 30/11/06

Lloyds TSB - S.A.R sent 17/11/06

 

To follow... Mint... Egg... Marbles...

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Thank you Adl999 - I shall use that address and they can forward mail to begin with if they need to - it's so I can send an SAR - I shall make sure I send ID with it so they can't give me the fob off excuses and hold things up etc..

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Thanks PJ - sometimes despite reading etc.. - it's easily missed - I was going round in circles reading stuff and completely missed it - I reckon I got side tracked reading some of the threads trying to read up on what to expect etc.. (forewarned is as good as bring forearmed and all that?)

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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  • 1 month later...

Got this reply from Richard Cooke of Citi Cards just before Christmas:

 

"I have been unable to find this account on our system. Please supply the dates the account was opened and closed. If the account has been closed for over six years, it may be that we no longer hold this information.

 

I do not have this information, I have statements (showing charges) dating from late 2001 and don't think I closed the account until 2002 so they must have the infomation. How should I respond?

MBNA - S.A.R sent 17/11/06

CitiBank (Credit Cards) - S.A.R sent 17/11/06

RBS Advanta - S.A.R sent 17/11/06 Response received 30/11/06

Lloyds TSB - S.A.R sent 17/11/06

 

To follow... Mint... Egg... Marbles...

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  • 4 weeks later...

Sent my reply giving them a further 7 days to provide the requested information and included a copy of a statement 'to assist them'. Statements were received a few days later, although in the accompanying letter they claimed that "the 40 day time period to provide the information starts only when we receive the necessary details to locate the account".

 

I replied with my preliminary letter giving them 14 days before my LBA and also stated that all the information they required was included in my initial request, yet as I now had the information, I would not take this further.

 

I claimed for the bank charges, contractual interest and costs incurred (£10 DPA charge and £10 per letter sent to cover time, materials and postage)... Reply awaited!

MBNA - S.A.R sent 17/11/06

CitiBank (Credit Cards) - S.A.R sent 17/11/06

RBS Advanta - S.A.R sent 17/11/06 Response received 30/11/06

Lloyds TSB - S.A.R sent 17/11/06

 

To follow... Mint... Egg... Marbles...

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