If he is corgi registered he should have left you a certificate. I had the same problem - and I emailed this place: Contact Us gave them his name and address and any 'trading as' names and guess what? he lied - they told me he wasnt corgi registered!.

This is what I mean - ive been asking them questions - bu they wont answer them.

Thats the bit I didnt understand - but I thought it was just me being thick:) now I know it isnt. On 20th May they sent me a copy of new t&c - no signed agreement - they returned my £1 saying it was over 6 years etc etc.Since then theyve fobbed me off with letters like the one above saying its too late to claim,they dont have my records anymore etcetc - Ive asked them to explain what a couple of things meant on my SAR - twice and twice they have totally ignored me.They wont answer any of my questions.

Is the big day tomorrow ? if it is Good Luck all you at HULL court - we'll all be thinking about you:)

OMG! - Ive actaully received them:) well im off to total up how much they owe me - ive only asked for 8% inthe past claims I had with others but this time Id liek to ask for the higher interest - but it all seemed a bit confusing - any advice on how to work it out - the EASY way please:)

Before I could write another letter - I got this one : Thank you for taking the time to write back to us about your account. Clearly, you feel you aren't getting the answers and documents you have requested and I hope I can resolve this situation. I am unable to send you a signed copy of your credit agreement, the copy we sent you is part of the agreement you signed. I have arranged for your full credit agreement to be sent to you separately. With regard to your payment protection insurance (PPI) I'm afraid we no longer have a copy of your telephone conversation so we can't provide you with this. We use telephone scripts that comply with FSA regulations. We then asked your consent to hear the limited version of the terms and conditions over the phone. Once you agreed to the PPI we then sent you the full terms and conditions and a certificate of insurance after the sale. The terms and conditions explained that you have a 30 day cancellation period and any premiums added during this time would be refunded. As you didn't contact us we assumed you were happy with the PPI and the policy was continued. Therefore, I'm afraid that we won't be refunding your PPI premiums as they were added to your account correctly. Financial regulations require me to advise you that this is my final response in relation to this matter. However you do have the option to contact the Financial Ombudsman Service (FOS) within six months from the date of this letter. Their contact details are in our complaints leaflet, which I've included for your information. I trust this has addressed your concerns. Please note, calls to the 0845 number at the top of this letter will be charged at a local rate. The cost will vary depending on your service provider. Calls may be recorded/monitored for training purposes. Yours sincerely Ellie Renshaw Executive Office Manager :-| Any advice on a reply to this?

They at first say it is over 6 years and I cant do anything - (but surely the 6 years starts from last payment they took?) and then they say they need more time to look into it.

Im in the process of trying to get my ppi payments back fromt hem aswell - they have sent me a copy of the terms and conditions (no signature anywhere) - it says that "express gifts ltd have arranged this cover with Bankers Insurance Company Ltd and bankers life assurance company ltd. both member companies of Assurant Solutions. If you have any questions .please write to us at: 117 - 119 Whitby Road, Slough, Berkshire SL1 3DR." So If you are offered it in a telephone conversation then surely by law the person selling this policy has to go through it with you to see if you are eligible? according to the t&c they seem to leave it up to you: .................................. "A Introduction: This document tells you about the benefits ,conditions and exclusions of your payment protection plus cover.Please read this document carefully to make sure you are eligible for cover and that you know what the policy does and does not cover." ................................... So which is it - does the person by law have to go through the policy with you in an effort to make sure it is sold correctly over the telephone? or do they just ask you on the phone if you want it ( no way of disputing that either) and then send you all this gobbldy gook reading for you to desipher yourself and make sure that you are eligible?:?

let us know what dates you all get a letter saying they are settling in full:)

Dont know if anyone is interested but this makes for some good reading. ... House of Commons - Treasury - Second Report

As citi-cards are proving very awkward and sneaky to deal with - havent we got at least one citi-cards worker on this site who can give us a few tips?

Capital One seem to pay out around 21 days after being 'deemed served - although they usually acknowledge after a few days - dont worry about it:) I dont think theyve stepped inside a court room yet.

Update - I sent them another fax and a letter telling them that I intend to take them to court to make them comply and provide me with the other 4 years statements and I telephoned to today to see what they say now and I am informed that the other 4 years statements were posted out to m eon June 29th so considering the post strike - I should have them int he next few days - that is of course assuming that they are not going to use the postal strike to claim that they must be lost in the backlog of post! Also after complaining the last time -they seem to have taken back some charges for last month - (nice) unfortunately they also need to take off about another £2000.00 I reckon:) :grin:

What I'd like to know is how they have the right to take you to court and make you pay through wages/baliffs etc for the whole twelve months in advance? Ive never understood how they can do this - if you owed it from the past 12 months then yes but the future 12 months? I dont know how they get away with this - how do they know just because you missed one payment that your gonna miss a few more? I cant think of any other situation whereby you 'default' on future payments in advance:mad:

Thanks for all the advice guys - I telephoned the Halifax Customer Relations today (press one if it concerns your bank charges:) )was tempted to press one and ask where my SAR is!) anyway, I spoke to a nice lady who apologised and said she would search their database and take my number off from wherever she could see it and gave me a case ref.number incase I get anymore calls - so hopefully thats the end of the matter. we'll see!

please?

GO MAXINE:) GO MAXINE:) :lol:EVERYONES BEHIND YOU!!

Any advice who I can contact??

Hi Yes I pointed out to them that they were wromg about microfiche in a previous letter - still got same standard reply and the other link to the court claim - I started to fill it in but got confused as to which one applied to my situation and what to write - if anyone can help me onthis then thats the way I would like to proceed by getting a court to force them to comply.

About 6 months ago we got a new telephone number from virgin media and since then we have been plagued by phone calls from banks and other financial institutions and we explained evertime that we didnt know these people and this was outr new number. All the rest have stopped except HALIFAX. sometimes we are getting calls 3 times a day! then nothing for a week or two then it starts again. We have told them over and over that the person does not live at this address with this phone number .They apologise but say they cannot take the number off the database because its automated.They just rang yet again and my husband lost his temper and threatened them with court action for harrassment in our home and they again said sorry but there is nothing they can do - its an automated service that calls the number when a payment is missed. I telephoned virgin media but all they can offer is another number change - but they cant guarantee that any other number would be different and besides I just got used to this new number and have given it to all my friends and family. I really cant see why HALIFAX cant remove a number from their database. Any advise on what we can do about it?.

Ok On June 20th after yet another 'fob off letter ' from Barclaycard , I sent them a fax and letter dated 20th stating that they had now failed to comply etc, and that they had 7 days before I took action through the court to force them to comply. 6 days later I get another fob off letter! - it says they are very busy and working through them all in order blah blah and if they dont here from me within 8 weeks they will assume that my complaint is resolved:o . I cant believe they dont take people seriously!.I first asked for my S.A.R on April 26th. - what do I do now? :? They are taking no notice. its over 60 days now and have still only sent me 2 years worth of statements.

ah I see;)

I dont think bad press bothers CITI-CARDS:(

Something puzzles me - I read that the OFT said they would investigate any charge over £12 - well £12.88p is over £12 ??

Finally - a reply!: Thank you for taking the time to email me about the complaint you have made. Pleaes accept my apologies for the delay in replying to you. The letter that was sent to you was regarding the complaint you made about your Citi Card, however due to an oversight this went out on an incorrect letter head. Please accept my sincere apologies for any confusion that this has caused. thank you Fiona Eaton Office of the Chief Executive Tel: +44 800 146 188 Fax: +44 870 905 0710 Email: citicardsman.customerfeedback@citi.com