Citi Cards - *****WON & PAID IN FULL****

[deathshead]

he is incorrect, the case would be in your local court

[gizmo111]

I`ve just read through this thread as we have received a letter from Citi lawyer Brian Smith. It is as previously stated they say that default fees are not unlawful and that if we breach our contract they are entitled to levy a default fee, just not one in excess of £12.

He goes on to state that in line with the OFT statement he recommends that Citi write off £279 of our £615 claim and that accordingly our account has been reduced by that amount.

He then goes onto state that should we wish to proceed for the full amount that they will defend the action on the basis of the OFT`s statement and that they will have the right to have claim transferred to Salford County Court.

We are in Scotland and would pursue this in our local court or is he correct.

Any advice gratefully received,thank you.

 

It is a standard reply from Brian - is this in response to your Prelim or LBA. If prelim just write back accepting partial refund unconditionally, and take it off spreadsheet, write with new amount he will probably then withdraw offer - not sure as it has been refunded then it is off to MCOL after 14 days.

[morsy]

Well I guess that I will just have to wait till mid Nov when the case is listed for...

[BaldyBaldwin]

i am fileing claim on the 30/08/06, so will be watching with interest.

 

best of luck (proberly not required) kevluff

[hondamad21]

Hello morsy,

Just wanted to wish you the best of luck

 

I seem to the one ahead of everyone else. I handed in my form to Edinburgh Sheriff court on the 11.08.06.

I have had two very nice letters from Mr Brian Smith

Check out my Citi’s Threat

hondamad

[kevmaxthom]

I`ve just read through this thread as we have received a letter from Citi lawyer Brian Smith. It is as previously stated they say that default fees are not unlawful and that if we breach our contract they are entitled to levy a default fee, just not one in excess of £12.

He goes on to state that in line with the OFT statement he recommends that Citi write off £279 of our £615 claim and that accordingly our account has been reduced by that amount.

He then goes onto state that should we wish to proceed for the full amount that they will defend the action on the basis of the OFT`s statement and that they will have the right to have claim transferred to Salford County Court.

We are in Scotland and would pursue this in our local court or is he correct.

Any advice gratefully received,thank you.

 

Hi

Read Andyace, he has a letter which he sent to the Jugde to have the case moved to his local court. I used the same letter to have my case moved to Swansea. Hearing set for mid October.

Regards

kevmaxthom

[morsy]

Has anyone been to court against citi Cards yet?

[keren29]

have a look at lickthewallfatboy and his claim......

[hondamad21]

return date for citi for my claim is 03/oct/06

 

Any one before me?

[morsy]

I got my court date through which is in 4 weeks !

 

HELP ... Any pointer on what I need to do now?

 

Please PM me if there is any thing that you can't post on here

[morsy]

Martin3030

 

your inbox is full ...

[deadbeat]

hi everyone,

love the work you're doing here.

 

reading these posts has inspired me to dig out my account statements with citi. so i have a quick question... on one of the letters they sent me several months ago i noticed they referred to their late/missed payment charges as 'service' fees. does it matter what they call these punitive charges?

[MARTIN3030]

Right I have just been having a discussion with the other Mods and we are concerned about the contents of the latest AQs from Citi defence.

Their requests to have both the hearings at Salford as well as the meetings in private with the Judge should be vigourously contested.A letter to address this is currently being drawn up and will be made available soon.

You should make the court aware of your concerns so that these requestd are not directed.More on this soon.

[morsy]

Just finished my document bundle and been to post it (recorded delivery of course)....

[morsy]

Just to update:

 

Sent off my documents received Citi docuemtns ... Now sit back and wait ....

[Jaynekul]

Good luck. when & where is it? Have you got a Court Buddy to go with you?

[morsy]

My full hearing went ahead today ... Before the main hearing started I made an application for Citi to disclose full details of their procedures with detailed costing and for the case to be adjourned so that Citi can supply this information and time for me to examine it.

 

The judge agreed that the cost justification supplied by Citi in there defence didn't show any information and that they have to disclose full details. The case has been adjourned so this can take place.

 

Again Citi tried to use the NI case, I pointed out that this was subject to appeal and the Judge dismissed this.

 

So now I await Citi Next move.

[morsy]

It may be an Idea to ask for full details of Citi costing's on your AQ questionnaires as the information they supply is just a sum.

 

Indirect cost + Direct cost

--------------------------- = average default cost

Number of breaches

 

I had to make and pay for a N244 General Application after I received Citi defence bundle asking the court to order Citi to disclose more information, maybe this can be done at the AQ stage, Citi will try to appose it, they will not always be successful.

[Jaynekul]

You can ask for this on AQ by filing a list of suggested directions and that way it wouldnt cost you anymore. You could also include a strike out clause say unless the docs are recd by .......... the defence be struck out and Judgement entered for the Claimant with costs

[morsy]

Things are moving along very slowly at the moment .... not much to report back.

[morsy]

Well just to bring this thread up to date

 

Citi defence was struck out on 18th Jan 2007 due to failure to disclose a full breakdown of costs as ordered in November 2006 with detailed figures to back up there £12.88 cost justification.

 

The judge also stated that Citi was abusing the court system and that all the cases he has had, the banks have paid up in full (he did not say if any where citi claims).

[Enron]

More bailiffs, guess Citi like bad publicity without going into detail.

[morsy]

They do indeed

[morsy]

Well the threat from the Bailiff to take all there computers away has done the trick and my cheque arrived this morning in full and final settlement so off to the bank I go.

 

I WIN I WIN I WIN I WIN I WIN I WIN I WIN I WIN I WIN I WIN I WIN I WIN ....

[Enron]

Congratulations.

 

Think a mod needs to change your title to "Morsy v Citi ** WON"