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    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
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    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hax vs Citi Cards


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Hi folks - just looking into starting my claim for charges on my Citi Card account.

 

Basically, I had a £650 limit, hit some difficulties and ended up owing in excess of £1850 :/ I've had a year of reduced interest which has helped me get the amount owing down to £1400 - but they've just started me back on the "high" interest rate and are sending me letters demanding the excess back so I thought it time to take action - so am preparing my request for data letter.

 

I was just wondering though, with my limit being £650 and Citi Cards effectively lending me another £1200 on top of that through their charges, have they ever been brought up for breaching the "responsible lending" rules/guidelines that banks are supposed to adhere to?

 

I had previously asked Citi Cards on a couple of occasions before the debt reached anywhere near the £1800 mark if there was anyway they were able to strike a deal with me and stop charges so that I may make lower repayments and not incur any more penalites, but I was told point blank that unless I made payments of the amounts specified that I would continue to incur the charges, regardless.

 

To my mind, they had been told that I was struggling, it was obvious from my repayment "history" that I was struggling, but they still kept piling the charges on and effectively increasing the amount owed to them. This sounds far from responsible to me.

 

Anyway - just a thought that had entered my tiny little mind... Back to the S.A.R - (Subject Access Request) letter :)

 

Cheers folks

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Hi hax and welcome to the world of Citi claimants:)

 

basically your story is the same as most of us just the amounts are different - when you send your SAR they will ask you for proof of ID - if you want to you can send the ID off with your SAR and a line saying that is what you are doing.

have a read around some of the older Citi threads so yuou are ready when the battle starts - if you eed any help just ask.

 

Good Luck -

Consumer Health Forums - where you can discuss any health or relationship matters.

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  • 2 months later...

Well, I've been a bit slow in getting things moving properly - mainly because the rest of my life has been pushing forward for attention.

 

Anyway, I've just waded through my past statements and found that I have £1275 of charges although at one point Citi did refund 3 lots of £25 of charges so I'll be putting in a claim for an even £1200.

 

One thing that has me curious though is that during the time when Citi were piling on the charges at a rate of about £50 a month (1 late payment and 1 overlimit @ £25 each) I was also receiving a huge interest charge - a large part of which would have been due solely to the large sum of fees that I had incurred. My credit limit was only £650 but Citi inflated the amount owed to in excess of £1950 at it's worst - at this particular point in time I was also being charged £40 for a month's interest.

 

Just wondering if I should somehow be claiming for this interest that was levied against the charges? If I hadn't been making any payments to Citi at all then I would estimate that my highest balance would have been in excess of £2500 - but the payments I was making seemed to be just about covering the interest and maybe a little extra too - but not enough to stop Citi then slapping on another £50 of charges the gits - meaning that I was simply fighting a losing battle with them :/

 

(I agree that I should be paying interest on the amount that I'd actually borrowed/spent and interest on top of that interest - but it's not like I had ever actually "had" the money from the charges)

 

Thanks for any help/advice!

 

Hax

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  • 1 month later...

Well, I wrote to Citi and for my first letter, I decided to try and take a less official route leaving open the option to take a more official route at a later date if necessary.

 

Today, I received this reply:

 

Thank you for taking the time to write to us about the above account. I will be looking into your query for you.

 

I am sorry that you have had cause to complain. The issues that you have raised will be given prompt attention and I will respond directly to you on behalf of our Chief Executive.

 

As a general guide we aim to fulfil the following service timeline:

 

* Acknowledge all complaints within 24 hours of receipt.

* Provide a full written update to you within 10 working days.

* 80% of all Section 75 claims to be remedied within 21 days, subject to verification.

 

I would make you aware that you may refer your complaint to the FLA at any point during the first 8 weeks of your complaint, at the following address:

 

The Compliance Manager

4th Floor Imperial House

15-19 Kingsway

London

WC2B 6UN

www.fla.org.uk

 

I have enclosed a copy of our complaints procedure for you. In the meantime, if I can be of any further assistance, please feel free to call me

 

Yours sincerely,

 

 

Mark Clibbens

 

Anyway, I'm just wondering what this "Section 75" is all about... From what I can tell, it's all to do with recovering costs under the insurance offered when making purchases with a credit card. This most definitely does not apply to me here - so I'm assuming that it's just a standard response letter for covering most situations.

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