****y-card

[JudgeDread]

[EDIT]-card

 

I am one step away from going to court with these [EDIT]. They have [EDIT] me with;

1. Their interest rate which has gone up in 5 months from 17% to 29% (!!)

2. Their charges - £ 400 since 2003 when I first got their [EDIT]-Card !!

My qns are:

a. Is there anything I can do about the 1st? (I doubt it)

b. In their letter response to mine Before Action, they mention the [EDIT] vs [EDIT]Financial in NI. does this mean that we now have to settle for the difference between the newly set £ 12 fee and the £ 25 that was before?

In that case, it's half of what they owe me, ie £ 200.

c. If I go ahead and make my day, will they then withdraw my credit facility and demand payment for the balance (ca £ 3000 atm). I don't trust them one bit as they are the worst of a bad bunch.

Anyone that has [EDIT] experiences, pls let me know.

JD

[gizmo111]

I am one step away from going to court with theseThey have me with;

1. Their interest rate which has gone up in 5 months from 17% to 29% (!!)

2. Their charges - £ 400 since 2003 when I first got their Card !!

My qns are:

a. Is there anything I can do about the 1st? (I doubt it)

b. In their letter response to mine Before Action, they mention the xxxx vs Financial in NI. does this mean that we now have to settle for the difference between the newly set £ 12 fee and the £ 25 that was before?

In that case, it's half of what they owe me, ie £ 200.

c. If I go ahead and make my day, will they then withdraw my credit facility and demand payment for the balance (ca £ 3000 atm). I don't trust them one bit as they are the worst of a bad bunch.

Anyone that has experiences, pls let me know.

JD

 

 

Hi,

 

Welcome to the fantasy world of Citicards.

A) Nothing you can do about the interest rise I'm afraid (apart from change card provider)

B)Thisis not entirely correct - Citi did not win in NI, they produced evidence at the last moment thatthe claimant was not allowed to see and the judge allowed it. This case is under appeal. You do not have to accept the difference between the £25 and £12 Citi claim is the new industry standard, this is their own interpretation of the OFT report.

C)Go ahead and claim the full amount in the normal manner - by the time you get to court stage things with Citi should be alot clearer.

The only person I know who has claimed against Citi with an active account had their credit limit increased substantially.

 

Keep us posted on your progress and have a read of this forum to see what Citi tactics are.

Here is the link to the NI case http://www.consumeractiongroup.co.uk/forum/citicards/9085-citi-cards-request-repayment.html

Good Luck

[zootscoot]

Hi Judge Dread,

 

Firstly can I congratulate you, you must be the record holder for the most edits in one post!

 

Answers

 

a.Unfortunately there is nothing you can do about interest rates if these were provided for in your terms and conditons.

 

b.No. Citi have settled claims in full since Kissick.

 

c. Possibly.

 

All the best

 

Zoot

[zootscoot]

Ok Gizzy you can edit your own!

[JudgeDread]

Thanks guys (that includes the moderator) for your prompt replies. I am new to the forum, so I'll keep to the rules. Can't help it though - my hair stands on end every time I mention [edit]-cards!

[zootscoot]

I can see I'm gonna have to keep my eye on you! I can tell by the user name.

 

Is that after the Judge Dread I'm thinking of?

[JudgeDread]

Oops, I did it again! (brings back memories of young Britney!)

I have been member of a jury with a judge like Dredd , I'd love to be one!

[Enron]

Yes, I still have a balance with Citi Cards and am in the process of claiming against them.

 

As I am in the process of paying off this balance asap I have not spent on the card for some time, and have significantly been reducing the amount outstanding on the account.

 

So what do they do to a person taking them to court, increase their credit limit to £15,800. Hardly responsible lending.