My Mum vs Citi

[rachel2609]

586rJKEE4

 

See my other post - My Mums Charges

 

Bloody hell!!!! Mum has just phoned me, we only sent the letters on the 8th and she has had one back from Citi already.

 

Not got all the details, they have sent some forms for the disclosure and asked for a tenner which is fine. This bandwagons rolling!!

 

Stunned!

[richardc]

Keep us posted

[rachel2609]

Have been at Mums today, have helped her to fill in the form to the Data Manager at Citi and copied the 2 proofs of ID and sent the 10 cheque. Its all ready to go Recorded Delivery on Monday.

 

Mum took so many letters last week for Recorded Delivery last week that the Post Office gave her loads of forms so that she can complete them all before taking them down to post - hee hee!!! We are well prepared!

 

Rachel

[rachel2609]

Hello,

 

By the skin of their teeth and only because we were kind to allow them so extra time because of Easter, the statements have arrived this morning (loads of them!!). my little sister is going to pick them up tonight and bring them to mine tomorrow. The final ball is now rolling!

 

Rachel

[Tinkerbelle]

Yes they seem to be quite quick off the mark that Citi Cards.... either they are very efficient or not many people are suing them. You'll prob get a "sod off" letter similar to mine...

 

Keep us posted, and keep at them!

[rachel2609]

Well this is the one that I am most determined to get back for my Mum. My Sister picked up the docs from Mums last night and rang me absolutely gutted and upset, it seems that the whole thing with Citi stems from something that was their fault in the first place. It seesm that Mum made a payment which for whatever reason they accepted and then a couple of days later returned to Mum, charged her a late payment fee for it and then the charge tooke her over the limit and therefore on the downward spiral.

 

I wont know the true facts until I meet my Sister after work tonight, but my Sister did tell me that she had briefly totted up the charges that she could find and that it came to almost £1600 - God I feel sick to the stomach about it. When me and my Sister discovered (by accident) the extent of my Mum's financial difficulties in December 2004, the balance on Citi was approx £2300, which we now know is made up almost entirely of charges. Lord only knows what state she would be in now if I wasn't sorting through some paperwork in order to finalise my own mortgage. It doesnt even bear thinking about.

 

I am absolutely fuming, I though I was mad before but this has made my blood boil! I am going to channel my anger in the correct way however, and make sure that a letter is fired off to Citi at the earliest opportunity - probably tomorrow once I have got the info from my Sister.

 

Rant over! :o)

[lois]

citicards are a complete nightmare! I have an outstanding balance on my credit card with them of £160.00 and £125.00 of that amount is THEIR charges for late payment fees!

 

Can you believe these jokers - the stupid thing is that I only have an available credit limit of £300.00 and I've never even gotten close to owing that amount on my card.

 

I've sent off an LBA, and they've got another 8 days left, so the clock is ticking, and omigod, am I really gonna hit them with it if they don't get back to me,

 

I'm so sorry about your Mum, its typical that these people ALWAYS target the most vulnerable and just keeping adding, adding and adding those charges, it makes me sick, it really does.

 

Still, keep going, and keep me posted on how you go. You are in the right, its your money/your Mum's money, stick to the timetable that you set, keep up the pressure on them and truly hit them with it.

 

I'm watching with interest

 

GOOD LUCK !!

 

xx

[rachel2609]

Letter received by Citi this morning, so will wait with baited breath for a response. Bet I get the same standard letter as other on here!

[Mrgreengenes]

Hi Rachel 2609, keep the pressure on Citi Cards. I have been having the same difficulties as your Mum. I probably have been charged more over the last 6 years. I have not used my card since 2001 and am now just inside the credit limit.

 

Please have a look at my thread in this part of the forum. I will be keeping everyone informed of my progress.

 

Don't let the fatherless chillen get ya!

[rachel2609]

Same get lost letter received over the weekend, from Mark Clibbens - another busy man!!! Ho hum, Letter before Action winging its way back to them, and the moneyclaim is already prepared and saved ready for filing!

[rachel2609]

Second letter back from Mark Clibbens, the guy keeps referring to my Mum's account in the present (which is now closed!) - fool! Basically says again, we weren't party to the OFT investigations but will wait until the 31st May before contacting all our customers, until then our T & Cs remain in force.

 

Just waiting for Mum to get paid next week and will be filing the Moneyclaim that is already prepared. If they want a fight they can have one!!!

 

I think they think that they are untouchable, is the Office of the Chief Exec like the Office of the Deputy Prime Minister (i.e. useless)? I am starting to feel that it is ;o)

 

Rachel

[lois]

Hiya Rachel

 

Yeh, I got that same letter last week and so I fired off another letter saying that they have 10 days to reconsider their position (!!) and if they do not refund the full amount, I will issue court proceedings without further notice.

 

oh but they did refund me £25.00 as a 'goodwill gesture' out of the £125 that they owe me !

 

GOOD LUCK!

[rachel2609]

Just submitted Moneyclaim, for £1600.00 charges, £361.46 interest and £120.00 court fee. Will email details for Litigation Section.

 

My Mum with my help now has 4 claims in the court system, they should start soming to come sort of conclusion (excluding this one!) over the next 2 weeks or so, fingers crossed

[Tinkerbelle]

Excellent! Will be watching your post & Good luck!!

[Mrgreengenes]

I've just received the standard sod off letter from Citi Cards. Letter before action next, then Money claim.

 

 

I will not let the fatherless chillen get me!!

[rachel2609]

Just back from my hols, to find that Citi have acknowledged the claim. Will have to wait and see what happens from here on!

[rachel2609]

Our first success!!!!

 

I got home last night to find a letter addressed to me enclosing a cheque made payable to my Mum for £2081.46 in full and final settlement :o)

 

Mum was made up, she had seen the Trevor McDonald programme which renewed her belief in what we were trying to achieve was correct.

 

I am so thrilled for her, just waiting for LTSB and YB to cough up now, shouldnt be long I wouldnt have thought - fingers crossed.

 

Will get Mum to make a donation to the site as soon as possible. She said that she wanted to take me and my Sis and our other halves out for somethign to eat but I would rather ther donate 5% here instead.

 

Best of luck to those still fighting the good fight with Citi!

[Tinkerbelle]

awww!!!! Congrats!! Great feeling innit!!

[Mrgreengenes]

That's great news Rachel, congratulations.:) I am about to do the same. Citi cards have sent me the same fob off letter twice, in response to my intial claim and the LBA letter. I'm just waiting for the 14 day expiry on 15th June and I will then issue the claim against them.

I have a question that you may be able to answer.

According to the courts leaflets, the court allocation questionaire requires payment of a £100 fee. Did you have to pay this fee as well as the £120?

 

 

You've told the fatherless chillen to go where the sun don't shine!

[rachel2609]

I have a question that you may be able to answer.

According to the courts leaflets, the court allocation questionaire requires payment of a £100 fee. Did you have to pay this fee as well as the £120?

 

______________________________________________________________________

 

We didnt get as far as Court Allocation Questionnaire stage with this one, it had merely been acknowledged in the Moneyclaim system. I think if it had got that far we would have had to pay the further £100 as the claim was for over £1500.

 

Citi have been by far the easiest one to deal with, couple of letters both ways, filed Moneyclaim on 15th May, cheque and letter dated 6 June - I think it has taken approximately 6 weeks in total.

 

Incidentally I have just logged on Moneyclaim out of interest and it says the Citi have filed a defence! Going to get the cheque paid in sharpish!

[rachel2609]

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