Citicards tactics adjustment?

[icepop55]

I was considering this but, awaiting conformation from a 'moderator' on the 'ordering full disclosure' aspect.

 

Thanks Martin for the information.

[icepop55]

GC nice to hear from you.I willing you in a particularly way to succeed in your pound for pound flesh with Citi.

 

I know with such backing from not only these threads but others experience, you will win.

 

I await.....

[groovycaz]

Thanks Ice

I hope we all win our cash back from the SHARKS, you know we work hard to earn it and raise our familys, I used to think at one time that I was the only person to be penalised by the banks and credit card companies (and felt a bit ashamed to be honest)but since joining CAG there are a lot of us out there, I believe the drive in us all is the way these financial institutions make you feel when they STEAL our money, its a nice feeling when you get it back (with interest of course) good luck you and every one claiming back charges, its a bit adictive this site my hubby thinks im in a chat room, well it is a bit like that, had a good laugh at some of the postings... we'll have to have a on line party when we win eh... ha ha:smile: .GC

[icepop55]

Hi all,

Received this morning this post from the courts? Defendant: CITIFINANCIAL EUROPE PLC (CitiCards)

 

IN the NORTHAMPTON (CCBC) County Court

 

TO the Claimant

TAKE NOTICE that the WARRANT in this action has not been executed for the following reasons:-

 

The bailiff visited the address which you provided but it is only the registered office of the company and there are no saleable goods there. In the circumstances the bailiff cannot do more unless you are able to provide further information to re-issue the warrant ( for example, trading address or another business outlet).

You may have to pay a fee to re-issue the warrant.

 

The warrant has been returned to the court which issued it

 

 

PLEASE NOTE : This notice is a final return. You are therefore no longer required to notify the Court of any payments you receive.

 

Return Date 06-JUNE-2007

READING COUNT COURT

 

N.317 - Return on a warrant of EXECUTION

 

 

Please could someone explain? and further more where do I stand on this. I find this action nonsensical. THe courts conduct is meaningless.

[elsinore]

If the bailiffs went to the registered office address in Reading, then it's no surprise that they came away empty-handed.

 

A registered office is frequently just that, the address given when the business is originally incorporated and registered. It is often the address of the company solicitors or accountants/auditors. Quite different from the head office, from where the business is actually run. In citi's case the head office is Salford.

 

I would always recommend that all correspondence and court documents are addressed to Salford. Using the Reading address will give Citi the excuse that they knew nothing of the claim/correspondence/warrant. This applies to any bank/credit card co, where the address of the registered office differs from the head office.

 

Icepop, you will have to re-issue the warrant using the Salford address.

 

Els

[groovycaz]

Bet they had a couple of computers they could have seized, you know the ones holding all the claimants information, that way they could have a genuine reason for ALWAYS BEING LATE when submitting paperwork...GC

[icepop55]

Hi all

 

I am hoping this can be resolved?

Before I re-issue the warrant, I do need a MOD to re-examine this hypocritical issue.

 

a) CitiCards has not responded to any of the courts issues.

b) Letter sent by Citicards to infom me that althought still not addressing the courts issues that a payment has been sent to 1st Credit to pay my (late payment fees), this I doult as I express payment to me only.

 

 

What do I next?

 

No dault READING has informed SALFORD about the Warrant!

 

I do need an input on this.

[gizmo111]

Hi all

 

I am hoping this can be resolved?

Before I re-issue the warrant, I do need a MOD to re-examine this hypocritical issue.

 

a) CitiCards has not responded to any of the courts issues.

b) Letter sent by Citicards to infom me that althought still not addressing the courts issues that a payment has been sent to 1st Credit to pay my (late payment fees), this I doult as I express payment to me only.

 

 

What do I next?

 

No dault READING has informed SALFORD about the Warrant!

 

I do need an input on this.

 

Can you give me a quick chronology of dates and amounts?

[icepop55]

Hi Gizmo

 

All -:

Dated 05/03/2007 LBA

Dated 10/04/2007 MCOL

 

L/P/Fees £111.00 Interest@8%=£6.66 plus£0.02 Daily rate.Plus £30.00 Court Fees.

Defendant has until the 30th April 2007 to reply. NO REPLY OR RESPONSE TO COURT ORDERS.

 

Dated 24/05/2007

 

Cheque issued to DCA(1st Credit) £147.66 but sent to me. I still have the chq.

 

Dated 02/05/2007

 

Notice of Judgement Entered. No reply or response.

 

Dated 10/05/2007

 

Request for Warrant of Execution.

Fee paid £55.00 (outstanding £202.66)

Sent Reading Office and returned to Northampton(06/06/2007)

 

Dated 12/06/2007

 

Request for Reissue of Warrant. Sent to Salford.

 

Sent today. Fee £25.00 (now outstanding £227.66)

 

Gizmo, do you need any more information?

[icepop55]

Hi to all.

 

Received today from Citi its resonse to the CCA request.Please click on the thread to read.

[icepop55]

http://i176.photobucket.com/albums/w180/icepop55/citi.jpg

[elsinore]

Presumably you asked Citi for a copy of your agreement, Icepop, so it's interesting that they have sent you a copy of your application. That suggests that they haven't got an agreement, either because they have transferred it to 1st Credit, or because they never had one!

 

A CCA request to 1st Credit should answer the question.

 

Els

[gizmo111]

Hi Gizmo

 

All -:

Dated 05/03/2007 LBA

Dated 10/04/2007 MCOL

 

L/P/Fees £111.00 Interest@8%=£6.66 plus£0.02 Daily rate.Plus £30.00 Court Fees.

Defendant has until the 30th April 2007 to reply. NO REPLY OR RESPONSE TO COURT ORDERS.

 

Dated 24/05/2007

 

Cheque issued to DCA(1st Credit) £147.66 but sent to me. I still have the chq.

 

Dated 02/05/2007

 

Notice of Judgement Entered. No reply or response.

 

Dated 10/05/2007

 

Request for Warrant of Execution.

Fee paid £55.00 (outstanding £202.66)

Sent Reading Office and returned to Northampton(06/06/2007)

 

Dated 12/06/2007

 

Request for Reissue of Warrant. Sent to Salford.

 

Sent today. Fee £25.00 (now outstanding £227.66)

 

Gizmo, do you need any more information?

 

No more info needed - get that baliff into Salford - they always wanted it transferrred up there anyway;)

[icepop55]

Presumably you asked Citi for a copy of your agreement, Icepop, so it's interesting that they have sent you a copy of your application. That suggests that they haven't got an agreement, either because they have transferred it to 1st Credit, or because they never had one!

 

A CCA request to 1st Credit should answer the question.

 

Els

 

A copy was enclosed with the reply letter.

 

My original request (CCA) was to 1st Credit dated 10/04/2007, to which they refered it back to Citi to only provide 'the application'.

 

Do you think its worth again to request from 1st Credit?

[elsinore]

No, I think you'ld just be chasing your tail.

 

At the moment you have a judgment and should, as Gizmo says, press for payment by re-directing the bailiffs to Salford.

 

Els

[icepop55]

Hi All

 

It seems that First Direct has yet again passed my Credit/Card debt to a newcomer (DCA) METROPOLITAN COLLECTION SERVICES LTD-Edgbaston,Birmingham.

 

Since I CCA both First/Direct & Intrim Justitia (who now out of the running), the CCA defaulted big time and also early August case coming up.

 

How do I deal with the new DCA.

 

Can and has anyone have a solution.

[icepop55]

Hi All

 

At least I can report some good news. Just one of many, MBNA want to settle a ongoing settlement.

Offered £40.00 and now £71.00 together = £111.00

 

Thats about Citi total. What is there problem? It now stands at £227.66 plus.

[groovycaz]

Hi Ice

your battle with citi is never ending, all this for a couple of hunderd pounds.. hang on in there you will win in the end...I got a court date for 8th August, no allocation guestionnairs, the Judge took notice of the Directions from gizmo and they apply...ha ha;)

[icepop55]

Hi Gc

 

Good news. One step further.

 

Just out of curiosity, the (Directions) from Gizmo are they the ones posted on the templates or do they differ?

[icepop55]

Hi All

 

Citi does astound me. Today I received through 1st Credit's solicitors (LCS) confirming that they now requested copy of the agreement (CCA)but, it will be necessary for them to obtain these from Citi/Cards who are the original creditors.

 

Citi sent me a Agreement early June, but only a copy of the application?

It seems they don't talk to another.

 

MCOL retured my request for reissue of warrant also today, asking to provide a reason for warrant re-issue?

 

To confirm the re-issue I again said it was sent to the wrong address.

Assuredly?

[gizmo111]

Hi Gc

 

Good news. One step further.

 

Just out of curiosity, the (Directions) from Gizmo are they the ones posted on the templates or do they differ?

 

Can't remember which ones I gave GC to request - some include DCA disclosure as well, and there was one from the MCourt and one was a mixture - depends on what was best for t he case in question.

[icepop55]

Thanks Gizmo. Just keeping tabs, just in case!

[icepop55]

Hi to all

 

No news as yet with Citi. Still waiting on the warrant issued against them.

 

But, regarding F/Direct they solicitors (DG) want to settle. I received today a total settlement letter regarding C/Card Fee charges. The usual. Quote " For those commercail reasons alone and without any admission of liability whatsoever, HSBC is prepared to make an ex gratia payment to you in the sum of £106.20 which is inclusive of statutory interest to date and Court fee".

 

Before I accept can anyone advise me if I can do them for waisting mine and courts time? As I need to cancel the prem hearing due 2/8/07.

 

So to the next stage, dealing with they DCA......

[groovycaz]

Hey Ice

did you accept yet, and are you going for the wasted costs, ive heard nothing from citi yet and they havent put their papers into court yet, i was looking around the site the other day and found some template nudge letters to send to citi and to the court so will be doing that next week just before the deadline...GC

 

ps glad i made you laugh.. but they realy are headbusters

[icepop55]

Hi Gc

 

I have accepted but told not to pursue the wasted costs bits. It is deemed that they have settled in full and also the amount in question is negligible. The jugde could dismiss this because its discretionary( maybe on my part).