Something slicky in the Citi?

[vandermerwe]

Facts, folks:

 

February 2006: Told Citicard couldn't pay. Balance £8,900.

 

March to May: Sent £1.00 per month token payment whilst setting

up a DMP.

 

May 2006: Debt "assigned" to Direct Legal Collections for £9,129.

 

June 2006: DLC added £167.05 interest.

 

September 2006: DLC issued notice of debt recovery for £9667.09

 

July 2007: DLC offered discount and removal of interest and charges if

"an arrangement to clear the debt was made".

 

July 2007: I requested further details, confirmation of who owned the

debt, and the capital amount.

 

August 2007: Request ignored but confirmation that £5.00 per month

"will be acceptable".

 

 

Questions:

 

a) since the token monthly payments of £1.00, DLC has been paid

£5.00 per month under a DMP.

 

b) as my understanding was that interest would be withheld how has

the balance jumped from £8,900 to £9,611,

c) silly question, but why has my request of July been ignored?

 

 

Request:

 

Do I keep up with the £5.00 per month through CCCS or rock the boat by asking DLC for a copy of the CCA?

 

Am unsure, still, of who owns the debt and my file shows only a copy of an application to Citi.

 

Vandermerwe

[surprise]

Ask for a CCA, my bet is they can't come up with one, especially if its anything like the one Citi have sent me. If they do come up with an agreement, you can always do a SAR to reclaim charges. Don't forget to include in the letter that their obligation extends to supply a list of transactions/statements.

[Castlebest]

Hiya Van, yes I agree with Supprise, do a CCA section 77/78 request.

 

That should give you (if they can find anything at all)

• a copy of the executed credit agreement and any other document refered to in the agreement.
  
• the total sum paid by you.
  
• the total sum which has become payable under the agreement by you but remains unpaid, and the various amounts comprised in that total.

The last two look like a statement of account to me and if they cant send you the first one the debt becomes unrecoverable by them but I would be carefull, with the sort of figures you are talking about, that would be worth them chasing.

 

Just had another thought, I dont know if you have done it yet but it would be worth sending Citi Cards an S.A.R - (Subject Access Request).

 

Just because they have now assigned your debt is no reason why you shouldnt ask for any charges back Citi lumped on prior to that and as it only costs £1.00 do a CCA s 78 too, see if you can add the PPI into the equation . Citi arnt quick with SAR's mine was over 90 days but you generaly get what you ask for in the end.

 

pete

[vandermerwe]

"I would be careful, with the sort of figures you are talking about, that would be worth them chasing".

 

Sorry, Pete, I don't know how to quote, but hope I just did so..

 

I've just had one of the worst days ever, s..t hitting the fan, not in bucketfuls but in blobs here and there.

 

All little things really but I haven't been up to taking them on board all at once.

 

Re the Citi, I think let's wait for the next round. At £5 per month who am I to get uptight?

 

Just tried to sell the humble abode and the estate agent has gone under.

 

If I did, the scavengers would probably want the few bob I might ever make out of it.

 

Our good friend deedee offered me a flat in Brixton but haven't heard from her since I mentioned I had two partners in the form of miniature dachshunds.

 

Haven't had any love notes from pinkduchess either.

 

It's enough to make a bloke turn queer.

 

Oh, shyte, I can't use that word any more can I?

 

Going to bed now, waiting for them to come for me, to come for, to come....zzzzzz

 

Van

[pinkduchess]

hello van

 

your comments do make me smile.

 

...but from seeing your posts here & there around the boards it sounds like youve had a bad week. hopefully they are made up of small things that can be tackled individually although when trying to deal with a whole load of s*** in one go it can magnify everything.

 

i'm finding the forums a bit flat at the moment, the threads are depressing with all the stays.

 

well it wasnt exactly a love note but i do like to know youre ok.

 

take care

 

PD

[pinkduchess]

hey van - me again

 

lesson for you

"How do I...?" A Dummies' Guide to this Forum

post no. 5

[vandermerwe]

Hi pd

 

See next post.

 

Van

[vandermerwe]

well it wasnt exactly a love note but i do like to know youre ok.

 

take care

 

PD

 

Have I got it right now, pd? Thanks for the tuition.

 

I've been told men are no good at multi-tasking, and I guess that's correct for me.

 

You're correct about the site, but I look at the 'newbies' most days and where I feel I can offer a glimmer of support or direction endeavour to do so.

 

Also a bit of humour where I think it's appropriate (but probably isn't)

 

Thanks for keeping in touch.

 

As ever.

 

Van

[pinkduchess]

 

Have I got it right now, pd? Thanks for the tuition.

 

 

not quite

 

you press the quote button on the post of the person you want to quote

 

then you delete any wording from their post you dont need (leaving the quote bit and brackets at beginning & end).

 

then you add your message underneath as normal & press submit

 

Facile comme cela!!!

[pinkduchess]

Have I got it right now, pd? Thanks for the tuition.

 

gawd ......I got it wrong that time!!!!

 

this should be right now

[vandermerwe]

this should be right now

[vandermerwe]

gawd ......I got it wrong that time!!!!

 

How's that then?

 

Tres facile, n'est pas.

 

Van

[vandermerwe]

Er, think I'll try again tomorrow!

 

Van

[pinkduchess]

good idea

[Castlebest]

well it wasnt exactly a love note but i do like to know youre ok.

 

:o

[vandermerwe]

Well if Pete can do it so can I!

 

I'll practise on someone else first though - I don't want to let myself down to PD again!

 

As ever.

 

Van

[pinkduchess]

:o

 

lol