rpjones78 vs citi

[rpjones78]

Hi there!

 

I've been busy claiming back my barclays money, and that should be with me within the next few weeks. Once it has come through I will pay off various debts - including my citi finance credit card. Once this is paid off I will then begin to claim back the charges against Citi. I've one question though. For the last few years I have been paying my debts through Gregory Pennington Financial Services, and they stopped all interest charges on all my creditors. My worry is, if I demand all my charges back from Citi could they turn round and say that they are entitled to claim back the intetest from me (I estimate that the interest was cancelled off my account for approx 2years). If they could do this then I would be a bit anxious about beginning my claim. If someone could share their thoughts i'd be very grateful.

 

Many thanks,

 

Rich

[MARTIN3030]

Welcome to the site.

I would first of all be looking at the charges that Citi levied as unlawful on your account.

You then have the arguement that any interest would have been applied on charges that should not have even been there.

It seems a strange idea to repay Citi first and THEN try and claim back..........I can tell you that they wont be as forthcoming to repay you !!!!

[rpjones78]

Thanks for that Martin.

 

It's a bit of a tricky one at the moment regarding payment. Gregory Pennington have managed to stop Citi from charging me interest while I am trying to pay the remaining balance off my card. So my worry was that if I started my claim while I still had this arrangemnet, Citi might turn round and start applying intetest on my account (or worse still, calculate how much interest they have stopped putting on my account over the past few years and demand for me to pay it all back to them, yikes!) Howeevr, I certainly don't think it would hurt for me to send out the letter asking for my staements back, as then, like you say, it will allow me to see how many unlawful charges they have applied to my account over the years.

 

Thanks again,

 

Rich

[rpjones78]

Hi there -

 

I've had a letter from Richard Cooke at Citi today asking me to send proof of name and addressess along with a request for info to fill in. I've just put the info together for him and that will go recorded delivery tomorrow - so the 40 day count down starts from then!

 

Cheers

 

Rich

[gizmo111]

Personally I think it is very sensible to pay these off, before claiming as you then take away any opportunity for them to counterclaim.

Don't worry about them backdating interest, they made an agreement and they cannot change it retrospectively.

 

Use the 40 days to read some of the older threads to see how this outfit operates. Lots of us here to help.

 

Good Luck

[rpjones78]

Cheers Gizmo. I won my claim against barclays last week so wqas able to pay of Citi credit card with part of my 'winnings' as my instincts were telling me to wait til the card was paid off. I'll certainly read some of these threads over the next few weeks, i'm sure they will be very useful! I will keep you posted with my progress...

 

Cheers,

 

Rich:)