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Casper V Citicards

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Hope I have got this right as it is my first post to the forum! Wondering if there is any update on this thread?


Has anyone successfully reclaimed charges on a Citi Card once the account has been passed to Hillesden.


My Citi Card defaulted in August 2006 and nothing happened until January 2007 when I heard from Citi to say my account had been assigned to Hillesden. Also had a letter from Hillesden to say the account was in default and copy of default notice. They have charged over £70 in interest for January! They now tell me the account is not in default and have written to confirm this (no record on my credit file of default notice).


I am now trying to claim over £600 in charges. I have all my statements and made a schedule of costs and copied all relevant statements and sent them to Citi financial on Friday along with LBA. This was after I had spoken on the phone to both Hillesden and Citi. Hillesden said no way will they refund any charges as they did not impose them. Citi cards were very civil on the phone and gave me the address to send my claim.


Since sending my letter I have found this thread and feel as though I am going to have a battle on my hands. I still have a fairly large outstanding balance and am asking that the £600 be deducted.


I have read that there are problems for those of us who are dealing with a DCA who have bought accounts as opposed to just collecting debts on behalf of banks.


I hope someone can give me a ray of hope!

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