Citicard claim

[Greyhoundcrazy]

Hi

 

We recently sent a letter to citicard asking to claim back our charges. Hadn't realised how difficult Citicard can be until we read it here just now.

 

Given that we have only requested the difference between the £25 charged and the £12 that they are allowed to charge, do you think we will experience the same difficulties?

 

Thanks

[gizmo111]

Why did you only claim the difference?

They are not allowed to charge £12

[Greyhoundcrazy]

Why did you only claim the difference?

They are not allowed to charge £12

Ok perhaps 'allowed' is the wrong word to use. I mean the £12 that credit card companies generally reduced their charges to.

 

We followed the article on moneysavingexpert

'Providers are much more likely to pay out the ‘difference’ figure than the full figure; so if you just want the easiest route, this is for you.'

 

We wanted to take the easiest route and get 'some' money back.

[gizmo111]

It's entirely up to you what you claim, but there is no easy ride with Citi so I'd claim the lot, what stage are you at now?

[Greyhoundcrazy]

It's entirely up to you what you claim, but there is no easy ride with Citi so I'd claim the lot, what stage are you at now?

Have sent first letter requesting the £13 per charge, plus 8% interest.

 

If I'd known that Citi are difficult and were likely to give us a hard time anyway then we probably would have asked for the lot.

[Greyhoundcrazy]

They have acknowledged my letter or 'complaint' and stated that they will provide a full written update within 10 working days. Letter also says

 

'If we have not resolved your complaint after 4 weeks we will write to you with an explanation for the delay and when to expect a final response.'

 

Now I think this is just a delaying tactic because some of the charges date back to 6 years ago. The longer we wait, the less we can claim.

 

Shall we just send the second letter anyway?

[gizmo111]

What is the 8% interestyou have claimed? That is for the court stage.

Personally I would send a 2nd letter with revised figures, claiming all the charges and interest you have paid citi on the charges.

[Greyhoundcrazy]

'If you were to go to court and win, you would be entitled to add 8% interest (not compounded) on top of your claim, from the date you were ‘first deprived’ of the money (i.e. the date of each charge).

 

Therefore as a negotiating tactic, you may want to ask for the interest as part of your initial claim. Do understand though, you’re not legally entitled to interest unless you win in court; but asking for interest now is all part of pushing the lender. Think of it as a bit like haggling.'

 

Again just following advice on MSE:)