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    • Many thanks for those helpful comments. I have done a revised draft - not sure that Point 2 re signage is expressed very well. Still looking for more ammo on POFA Section 4. Does this look a bit tidier?  DRAFT DEFENCE.docx
    • If you’ve handed in your notice : what help do you want / expect?. You’ve handed in your notice & not raised a grievance .... that is the wrong way around. Now you’d have to prove constructive dismissal, and (if you hand in your notice rather than pursue the grievance route first) that is a high bar to meet.   How long have you been employed there?
    • Thank you so much for heads up.
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
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dunnie1

Egg loan/card PPI claim - now Canada SQ Ops

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Hi,

 

First time potential PPI claimant - Hopefully your into the whole brevity thing:

 

Used PPI checker with Canada Square, and confirmed two loans and one credit card with PPI - approx from 2000/2001. I don't have statements, loan agreements or any paperwork. I now know the account numbers however by using this online checker.

 

Drafted SAR addressed to data controller so I can assess whether it is mis-sold and if so, interest payments (reciprocal compound plus stat 8%?)

 

I was completely unaware (from memory) of having PPI, and certainly didn't know to claim when I lost my job soon after. All debts written off and sold to DCA - I understand this doesn't affect PPI claim (should I have one)

 

PPI is also not statute barred I assume.

 

Next steps:

1) raise speculative complaint whilst I await SAR return using online complaint form

2)receive SAR output, assess for mis-selling, independently calc amount, challenge above if applicable

3) Either complete FOS questionnaire or prep for SC court? (bit hazy on best approach here)

 

Welcome any advice - thanks in advance!

 

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no just send them an sar.

THEN WHEN YOU HAVE THE INFO...

 

cards use the CISHEET with a claim to date when they stopped their int, then that whole figure goes into the statint sheet [to get the 8% you are entitled to until they settle] as a whole sum the day after

 

loans solely use the statint sheet detailing every PPI payment made and its date..till they settle.

 

each claim needs an FOS questionnaire and a brief covering letter.

 

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thank you DT100uk

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post things up here 1st and well check them.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Posted (edited)

OK, thanks - I've used the standard SARs template, included the acct numbers, my name, current address and address history (only additions to letter) and plan to send to this address

 

Citigroup Centre 
33 Canada Square 
Canary Wharf 
London 
E14 5LB

Edited by dunnie1

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have you moved since taking this out and CITI are not aware of the move?

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I had the loans\card back in 2000/2001 (ish), defaulted and have moved 5 or 6 times since yes. I initially supplied 3 prev addresses and Citi couldn't find any record of me, I then re-submitted an additional 2 previous addresses (5 in total) I found within my CRA file, and had success in finding the accounts mentioned above.

 

Thanks,

 

Dunnie1

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so you are awaiting the data then?

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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yes, only sent SAR's today

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you only need one sar


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Yes, I did send one - should have said SAR

 

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Regarding my proposal to raise a speculative complaint whilst I await SAR return using online complaint form

- I totally appreciate you can't trust these companies to provide accurate information and properly calculate interest etc,

it was more to find out whether they initially thought I had a claim,

and what amount they might offer

- and to then calculate it separately using the info from the SAR

- more out of interest to see how close they would be

- certainly not to replace the SAR/FOS q approach

- you think this would just muddy the waters as I have no information on which to base a PPI claim at the moment then?

 

Thank dx btw, for your prompt replies

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you don't tip them off!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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fair enough :) I shall follow the CAG way..

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Hi, should I have received confirmation from Citgroup with respect to my SAR request? I've heard nothing thus far - Should I chase or wait the 40 days? I sent the request to this address.

 

Citigroup Centre 
33 Canada Square 
Canary Wharf 
London 
E14 5LB

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its 30 days


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Its 30 days from the date of the letter tomorrow, so I'll raise an ICO complaint and send it tomorrow, as per SAR guidance. Should I also chase this with Citigroup as well?

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no harm in ringing them and asking.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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thought so, cheers dx

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I've raised a complaint both with the ICO, Citigroup direct via customercareunit@citi.com and re-sent a SAR request to another address as advised by Citigroup, explaining their still in breach of the 30 day deadline regardless of the address I used (as the original was listed as the data commissioner address)

 

Citigroup
CS Operations

PO Box 4903 
Worthing

BN99 3AR

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Thank you for submitting a complaint about the processing of your personal information.
 
The ICO’s role 
 
Part of our role is to consider complaints from individuals who believe there has been an infringement of the Data Protection law. 
 
We use complaints to build up a picture of an organisation’s information rights practices so that we can identify and target poor performing organisations. Details of the action we have taken is available on our website.
 
Your complaint
 
We have considered the issues that you have raised with us and have written to the Chief Executive, via the Data Protection Officer, to explain that we expect their organisation to work with you to resolve any outstanding matters. 
 
One of the ICO’s strategic goals is to increase the public’s trust and confidence in how personal data is used and made available. 
 
In this case, we expect the organisation to fully explain to you how they have complied with their obligations under the law as comprehensively as possible, including correcting any issues that they have identified or clarifying any areas of misunderstanding.  
 
I have attached a copy of the letter that we have issued to the Data Controller and expect they will be in contact with you in due course. 
 
 
Yours sincerely
 
Angela Payne
Case Officer (Mon, Tues, Weds & Thurs am)
Information Commissioner’s Office
0330 414 6515
casework@ico.org.uk

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Received my SAR back finally, suddenly once I'd complained they were super quick - strange that. Had a look through and have:

 

Credit card 

  1. credit agreements
  2. statements for credit card (each mthly statement has credit card payment protector amount deducted - assuming this is ppi)
  3. date ppi commenced (11/06/2002)
  4. various system & database outputs detailing the account history, up to closure and movement to DCA

Loans (4, but 2 with ppi)

  1. PPI hub report
    1. detailing interest accrued and maturity date (4 records)
    2. Which accounts had ppi, and date the were cancelled (not by me, probably by top up)
    3. loan balance when cancelled
  2. loan agreements for each loan (2 with loan payment protection amounts on)
  3. account info report, with princial amount, interest, PPI balance, PPI rebate, PPI type
  4. Statements

I'll post specifics soon.

 

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so as post 2 now then.

 

if one loan refinanced another, it will be ONE claim for all the loans in the chain


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I'll get on it - its difficult to understand what's going on as the information is linked by internal reference\application number rather than my account number for the loans, but I'll see how I get on - thanks

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I'm getting charged 1.093 a mth which is 13.11 (multipled by 12)

 

Date of
Charge
Description Amount of
Charge
Number of
Days Elapsed
Compound
Interest
                   
10/07/2002 Credit Card Payment Protection £2.60 6166 £18.25
10/08/2002 Credit Card Payment Protection £9.44 6135 £65.48
10/09/2002 Credit Card Payment Protection £12.09 6104 £82.87
10/10/2002 Credit Card Payment Protection £16.99 6074 £115.11
10/11/2002 Credit Card Payment Protection £18.52 6043 £123.97
10/12/2002 Credit Card Payment Protection £18.63 6013 £123.26
10/01/2003 Credit Card Payment Protection £0.12 5982 £0.78
10/02/2003 Credit Card Payment Protection £1.50 5951 £9.69
10/03/2003 Credit Card Payment Protection £2.34 5923 £14.95
10/04/2003 Credit Card Payment Protection £7.42 5892 £46.83
10/05/2003 Credit Card Payment Protection £10.47 5862 £65.31
10/06/2003 Credit Card Payment Protection £13.30 5831 £81.96
10/07/2003 Credit Card Payment Protection £14.55 5801 £88.61
10/08/2003 Credit Card Payment Protection £15.60 5770 £93.86
10/09/2003 Credit Card Payment Protection £18.45 5739 £109.66
10/10/2003 Credit Card Payment Protection £22.05 5709 £129.51
10/11/2003 Credit Card Payment Protection £22.11 5678 £128.28
10/12/2003 Credit Card Payment Protection £22.28 5648 £127.74
10/01/2004 Credit Card Payment Protection £21.99 5617 £124.53
10/02/2004 Credit Card Payment Protection £22.07 5586 £123.46
10/03/2004 Credit Card Payment Protection £22.02 5557 £121.76
10/04/2004 Credit Card Payment Protection £21.98 5526 £120.05
10/05/2004 Credit Card Payment Protection £22.43 5496 £121.04
10/06/2004 Credit Card Payment Protection £0.29 5465 £1.55
10/07/2004 Credit Card Payment Protection £0.25 5435 £1.32
10/08/2004 Credit Card Payment Protection £0.25 5404 £1.30
10/09/2004 Credit Card Payment Protection £10.50 5373 £53.93
10/10/2004 Credit Card Payment Protection £23.36 5343 £118.54
10/11/2004 Credit Card Payment Protection £23.42 5312 £117.36
10/12/2004 Credit Card Payment Protection £23.81 5282 £117.87
10/01/2005 Credit Card Payment Protection £23.97 5251 £117.18
10/02/2005 Credit Card Payment Protection £24.61 5220 £118.80
10/03/2005 Credit Card Payment Protection £25.15 5192 £120.03

 

Inputted into CIsheet above, and taken compound interest figures and put into statintsheet, as below

 

Date of
Charge
Description Amount of
Charge
Number of
Days Elapsed
Interest at
8% Simple
                   
10/07/2002 Credit Card Payment Protection £18.25 6166 £24.76
10/08/2002 Credit Card Payment Protection £65.48 6135 £88.38
10/09/2002 Credit Card Payment Protection £82.87 6104 £111.28
10/10/2002 Credit Card Payment Protection £115.11 6074 £153.81
10/11/2002 Credit Card Payment Protection £123.97 6043 £164.82
10/12/2002 Credit Card Payment Protection £123.26 6013 £163.06
10/01/2003 Credit Card Payment Protection £0.78 5982 £1.03
10/02/2003 Credit Card Payment Protection £9.69 5951 £12.68
10/03/2003 Credit Card Payment Protection £14.95 5923 £19.48
10/04/2003 Credit Card Payment Protection £46.83 5892 £60.71
10/05/2003 Credit Card Payment Protection £65.31 5862 £84.23
10/06/2003 Credit Card Payment Protection £81.96 5831 £105.14
10/07/2003 Credit Card Payment Protection £88.61 5801 £113.09
10/08/2003 Credit Card Payment Protection £93.86 5770 £119.14
10/09/2003 Credit Card Payment Protection £109.66 5739 £138.45
10/10/2003 Credit Card Payment Protection £129.51 5709 £162.66
10/11/2003 Credit Card Payment Protection £128.28 5678 £160.24
10/12/2003 Credit Card Payment Protection £127.74 5648 £158.72
10/01/2004 Credit Card Payment Protection £124.53 5617 £153.89
10/02/2004 Credit Card Payment Protection £123.46 5586 £151.72
10/03/2004 Credit Card Payment Protection £121.76 5557 £148.86
10/04/2004 Credit Card Payment Protection £120.05 5526 £145.94
10/05/2004 Credit Card Payment Protection £121.04 5496 £146.36
10/06/2004 Credit Card Payment Protection £1.55 5465 £1.86
10/07/2004 Credit Card Payment Protection £1.32 5435 £1.57
10/08/2004 Credit Card Payment Protection £1.30 5404 £1.55
10/09/2004 Credit Card Payment Protection £53.93 5373 £63.75
10/10/2004 Credit Card Payment Protection £118.54 5343 £139.34
10/11/2004 Credit Card Payment Protection £117.36 5312 £137.15
10/12/2004 Credit Card Payment Protection £117.87 5282 £136.97
10/01/2005 Credit Card Payment Protection £117.18 5251 £135.37
10/02/2005 Credit Card Payment Protection £118.80 5220 £136.43
10/03/2005 Credit Card Payment Protection £120.03 5192 £137.10

 

I'm assuming I would be due compound interest and stat for the same duration

i.e. 10/07/2002 charge is £2.60, plus CI is £18.25, plus stat is £24.76 as both use elapsed days of 6166

 

Question on CISheet - what APR do I use?

 

Credit agreement states:

12.6% purchases

13.9% balance transfers

cash advance 16.3%

 

Highest/lowest/most used? (that would be purchases)

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