Citi hearing. Judge decided £8.00!!

[deathshead]

hi in court monday afternoon with citi

 

think im ready...

 

any advice

[Robertxc]

Before your case is called

 

Arrive in good time.

 

Don't drink to much liquid beforehand - if your case is called while you're in the toilet, it might get dismissed because of your 'failure to appear'.

 

Make sure you have copies of everything with you. Even the things you think you'll never need. A looseleaf binder is good for this, so that you can take out pages if you need to.

 

Have a written list of any important points you want to make, or questions you need to ask. Don't rely on memory for this.

 

Take a notebook and pen.

 

During the hearing

 

Don't interrupt or butt in when someone else is speaking.

 

NEVER call anyone a liar.

 

Don't be afraid to ask for things to be explained to you.

 

Keep calm, don't shout. Take your time if you need to explain something complicated.

 

Write down any instructions from the judge there and then (using the notebook and pen). Likewise, be sure to note down any dates for future hearings, deadlines etc.

 

Good luck!

[deathshead]

judge seemed to have handled a number of these cases, he went through the points quickly, said he could believe costs to banks were c£8,

was not happy citi would not share the data behind there figure of £12 said the burden of proof was theirs to show the figure of £12 not mine as I am not privvy to their accounts

 

anyway he set a figure of £8 for the charges and i get the difference, in essence i get 2/3s of the claim from start to finish

 

citi hired an outside barrister to plead the case, polite and friendly, not au fait with these cases, though will be checking her accounts..

[keren29]

interesting!

 

Wonder why the Judge believes it is £8??

[deathshead]

believed it "could be" £8 rather than believed it was

he probably set the figure to finish it quickly

[BankFodder]

Well it's not what we want but it is a step in the right direction.

 

Could you contact me urgemtly please. A landline number would be useful

[marcopolo]

That is very interesting did Citi not provide any evidence as to thier costs. Can an arbitrary figure be handed down with out any basis in evidence?

[marcopolo]

Sorry where were you in court? Was it anywhere near London as this may be the same team that I will be with tomorrow?!

[deathshead]

sorry out all night yesterday

heard it went well today

[marcopolo]

Yes not too bad, full post on the mercantile court thread

[goforit]

It appears the judge may of erred here.

 

I have posted my thoughts on this in the general forum before. However, have copied them here as they are particularly relevant to these cases:

 

http://www.consumeractiongroup.co.uk/forum/citicards/51086-consequential-charges-arguement.html

 

However, I suspect BankFodder has already thought of most of this.

[kateandpete]

I thought that in one of the relevent historical cases a precedent was set whereby if any of the charge is deemed to be an unlawful penalty, then the entire charge is an unlawful penalty.

[deathshead]

judgement order against citi came through post today

 

now which frame to use

[lickthewallfatboy]

please start your own thread in the halifax section.You will get more relevant help there,but this is a well known tactic with most banks.Tell them you accept this as part settlement only,and that you will be pursuing the rest