help with Citi

mymoney001 · January 8, 2007

I have just received statement from citi card and found that I have paid £150.0 in payment protection Q. can I claim this back.

Enron · January 8, 2007

Nope, this was a service to which you agreed so doubtful.

If you did not agree to this you will have to study the details of your contract, sometimes payment protection is hidden in the small print.

mymoney001 · January 9, 2007

Thanks Stevenelmes

mymoney001 · January 30, 2007

Hi Can you advise of next step

recently rec'd statements and sent of initail letter to citi card only to receive a letter in return post stating

On Wed 5th April 2006 the office of fair trading issued a statement regarding the default charges levied on customers by credit issuers for breach of contract such as making late payments or going overlimit.

Within the statement the OFT stated that it believes the those charges are too high and has recommended credit card companies review thier position.ect.ect.ect

Card issuer had been requested to review and respond by the 31May 2006.

Although not party to the OFT investigation, Citi card is aware of the report and we have undertaken to reconsider our charges in light of the OFT statement

How do I proceed with this as the 14 days for the initial letter are nearly up. is this a standard fob of letter. and how do I respond

Many Thanks

bs58 · January 30, 2007

Hi,

From what I've read in these forums the answer to your question is 'Yes'..its a standard letter that you should ignore and proceed as normal with your next letter after the 14 day period is up.

mymoney001 · February 13, 2007

Hi All

Can you advise I have sent my LBA letter and the 14 day period expires tommorrow, I have not rec'd a reply from citicard, should i proceed with my MCOL or do I wait to hear from them first.

thanks:?

BaldyBaldwin · February 13, 2007

dont hang about, you are in for the long haul with this bunch,if no reply by tommorow, go straight to mcol

have thet offered the difference between the 25 pound they have cha\rged you and the 12 pound they now say ios the true cost?

mymoney001 · March 27, 2007

Got home today to find letter from Courts and request for in formation from Citi. How do i repsond to this plaese help. some of the information is incorrect and not true but hear goes

The defendant is a credit card company whose registered office is at 87 castle street reading RG1 7DX
The defendant admits that the claimant has accredit card account ( the Agreemant) with the defendant during the relevant period and continues to have an account which is current outstanding balance of £375.13 and which is 10 days in arrears.
The defendant avers that the agreement with the claimant contains terms entitling the defendant to levy default fees and avers that the claimant was aware of and agreed to the same as before entering in to the agreement
The defendant denies that the same are:
A disproportionate penalty and unforeseeable or irrecoverable as penalty charges at common law and / or
In valid under section 4 of the unfair contract terms act 1977 and / or para 8 and sch 2 (1) of the unfair in consumer contract regulations 1999; and /or unreasonable under section 15 of the supply of goods and services act 1982 and,puts the claimants to proof of this by specific reference to the case law relied upon and /or the exact citation of the relevant parts of the section of law and regulations relied upon.
The defendant denies that it has unlawfully debited the claimants account . the defendant avers that the particulars of claim do not particularize the amount claimed nor show the exact dates upon which the amounts claimed arose and puts the claimant to strict proof of this. Particularly as the defendant charges are whole figures, it does not understand how the claimant has arrived at a sum of £1200.
The defendant avers that between 2001 and November 2007 the claimant breached the agreement no fewer than 75 occasions, entitling the defendant to debit £215 to the claimants account . account by way of default fees , as per the terms and conditions of the agreement
The defendant made ex gratia refunds during the same period on various occasions totaling
The claimant is claiming as a money claim a sum equivalent to that which he claims unlawfully debited to his account over the term of the agreement in late payment and overlimit fees.
The claim is entirely based on the recent OFT statement on the alleged unfairness of such default fees
The OFT stated that the level at which the default charges though not the principle of default charging itself was unfair in the context of the unfair terms in consumer contract regulations 1999
It also reported that the charges were in its opinion , a penalty contrary to common law principles of damages for breach of contract.
The defendant has agreed to abide by the OFT report and adopt a lower level of default fees which it has set at the new industry std of £12
Over the lifetime of this account the claimant has set its default charges at £25 and 312.
The defendant has made an ex gratia refund to the claimant of £566 which is the difference between (1) current default fee of 12 and (11) amount at which default fees claimed were charged

stan5131 · March 30, 2007

Can you give a little more info. What figure are you claiming back and did you claim interest etc. I agree, the figures do not make sense. Can you claify what exactly you have claimed.

mymoney001 · March 31, 2007

Can you give a little more info. What figure are you claiming back and did you claim interest etc. I agree, the figures do not make sense. Can you claify what exactly you have claimed.

Stan comparing the details with what Citi are saying it is totally incorrect in certain parts amount being claimed is £3,287.79 calculating the intrest at 8% = 747.71 total 4035.50

gratia refunds of £60 not £450

Claim between 2001 and Nov 2007

again in the defence they state claimant has rec'd ex gratia of £566 refunded by cheque ( never )

In reply to thier defence can you confirm if this is the correct approach :

In the XXX County Courts

Claim No:

This document has been attached for consideration and I believe will bring a speedy end to Litigation. This was devised by the Mercantile Courts for a similar case.

Between :

Claimant

And

CitiCard Financial – Defendant

Draft Order for Directions

1. The Claimant shall within 14 days of service of this order send to the Defendant and to the Courts :

a) a schedule setting out each charge repayment of which is sought, showing the date, amount, and reason given (if any) for the charge being made.

b) Copies of any statement or other documents relied upon as showing that every charge has been made;

c) A statement of evidence of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise;

d) Copies of decided cases and other legal materials to be relied upon.

If the Claimant fails to comply with the order the claim will be struck out without

further notice.

2. The Defendant shall within 14 days thereafter file and serve a response to the claimants schedule , stating in respect of each item claimed ;

a) Pursuant to what contractual provision such charge was made, produce a copy of the contractual document relied upon;

b) Whether such charge is accepted to be a penalty, and if not why not;

c) If such charge is alleged to be a pre- estimate of the defendants loss incurred by the Claimant’s actions ( whether or not such action is treated as a breach of contract between the parties) all facts and matters intended to be relied upon as showing that such was a proper estimate of such loss, and all evidence to be adduced at trial as to what the true cost of dealing with the matter was;

d) If such charge is not alleged to be a pre – estimate of the Defendants loss incurred by the Claimant’s actions then facts and matters intended to be relied upon showing the basis upon which the charge was calculated and all evidence to be adducted at trial as to show that the charge was fair and reasonable.

e) Any witness statements

f) Copies of decided cases and other legal materials to be relied upon

If the Defendant fails to comply with this order, the defence will be struck out without further order.

stan5131 · March 31, 2007

This sounds good to me.

stan5131 · March 31, 2007

You also need to write to Citi pointing out the discrepancies and asking for clarification. Also copy this to the court.

gizmo111 · March 31, 2007

Stan comparing the details with what Citi are saying it is totally incorrect in certain parts amount being claimed is £3,287.79 calculating the intrest at 8% = 747.71 total 4035.50

gratia refunds of £60 not £450

Claim between 2001 and Nov 2007

again in the defence they state claimant has rec'd ex gratia of £566 refunded by cheque ( never )

In reply to thier defence can you confirm if this is the correct approach :

In the XXX County Courts

Claim No:

This document has been attached for consideration and I believe will bring a speedy end to Litigation. This was devised by the Mercantile Courts for a similar case.

Between :

Claimant

And

CitiCard Financial – Defendant

Draft Order for Directions

1. The Claimant shall within 14 days of service of this order send to the Defendant and to the Courts :

a) a schedule setting out each charge repayment of which is sought, showing the date, amount, and reason given (if any) for the charge being made.

b) Copies of any statement or other documents relied upon as showing that every charge has been made;

c) A statement of evidence of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise;

d) Copies of decided cases and other legal materials to be relied upon.

If the Claimant fails to comply with the order the claim will be struck out without

further notice.

2. The Defendant shall within 14 days thereafter file and serve a response to the claimants schedule , stating in respect of each item claimed ;

a) Pursuant to what contractual provision such charge was made, produce a copy of the contractual document relied upon;

b) Whether such charge is accepted to be a penalty, and if not why not;

c) If such charge is alleged to be a pre- estimate of the defendants loss incurred by the Claimant’s actions ( whether or not such action is treated as a breach of contract between the parties) all facts and matters intended to be relied upon as showing that such was a proper estimate of such loss, and all evidence to be adduced at trial as to what the true cost of dealing with the matter was;

d) If such charge is not alleged to be a pre – estimate of the Defendants loss incurred by the Claimant’s actions then facts and matters intended to be relied upon showing the basis upon which the charge was calculated and all evidence to be adducted at trial as to show that the charge was fair and reasonable.

e) Any witness statements

f) Copies of decided cases and other legal materials to be relied upon

If the Defendant fails to comply with this order, the defence will be struck out without further order.

Yep this is correct - they have just had that ordered on another case as well.

You also need to write to Citi pointing out the discrepancies and asking for clarification. Also copy this to the court.

Wouldn't bother with this, when it comes to compiling your bundle and statement of truth then bring it up then.

Enron · April 1, 2007

Yep, the draft order was adopted in my case.

mymoney001 · May 25, 2007

Hi

Got a reply from the court after no communication from citi court date for the 12 July Letter states I have 21 to submit documents as follows,

What do I need to prepare for this help required

The hearing of the claim will take place at 2.00 am on the 12th July 2007 and should take no longer than 30 minutes .

1. Judge has considered the statements of case and allocation questionnaires

filed and allocated the claim to the small claims track

2.The claimant shall within 21 days of service of this order send to the Defendant

and to the court :

a) A schedule setting out each charge repayment of which is sought , showing the date , amount and reason given ( if any) for the charge being made.

b) Copies of any statements or other documents relied upon as showing that every charge has been made

c) A statement of evidence of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise.

d) Copies of decided cases and other legal materials relied upon.

If the claimant fails to comply with the order the claim will be struck out without further notice

3. The Defendant shall by within 21 days thereafter file and serve a response to

the claimants schedule, stating in respect of each item claimed.

a) Pursuant to what contractual provision such charge was made , produce a

copy of the Contractual document relied upon.

b) Whether such charge is accepted to be a penalty, and if not why not.

c) If such charge is alleged to be a pre-estimate of the defendants loss incurred by the claimant’s actions ( whether or not such action is treated as a breach of the contract between the parties) all facts and matters intended to be relied upon as showing that such was a proper estimate of loss and all evidence to b adduced at trial as to what the true cost of dealing with this matter was.

d) If such charge is not alleged to be a pre-estimate of the defendants loss occurred by the claimants actions then facts and matters intended to be relied upon showing the basis upon which the charge was calculated and all evidence to be adduced at trial as to show that the charge was fair and reasonable.

e) Any witness statements

f) Copies of decided cases and other legal material to be relied upon

If the Defendant fails to comply with this Order the defence will be struck out without further notice.

The court must be informed immediately if the case is settled by agreement before the hearing date.

Worried about what to do, Help greatly needed.

vbrep_register("836202")

mymoney001 · May 25, 2007

Please ignore right thread wrong location

mymoney001 · May 25, 2007