Citi and a warning to all credit card claims

[Castlebest]

I have today received a letter from Citi Cards which was unexpected because I have put this claim on the back burner for a while and have not exchanged any correspondence with them since September last year.

 

In amongst the normal we are right rubbish they always write is this little gem...

Citi Cards recognises that customers sometimes exceed their credit limit and/or fail to make a payment and has systems and procedures in place to deal with this.

 

I believe this is a direct result of the OFT test case judgment and Citi will now be claiming there is no breach of contract and therefore no penalty charge.

 

I will of course be responding in my normal way :grin: and maybe its time this claim came off the back burner to make them prove their outright lie that they have

successfully argued the fairness of this policy and of the £12 charge in court with the result that the claims have been dismissed, and the courts have implicitly held that the policy is fair and the charges reasonable

 

I think the County Courts would like to see evidence of this too.

 

pete

[gni03349]

Could be rather interesting. I'll be watching this one. Good luck with it

 

If anybody can disprove their waffle, then CAG can.

[gizmo111]

You are in the wrong place CB - I'll move you to the Citicard forums.

Was this an old associates card by any chance?

 

EDIT

Who was this letter from?

It looks like an old one rehashed.

[Castlebest]

I put it in general because of the implications to other credit card claims, I think it should go back to the general forum and no this was always a Citi Card account.

 

It is an old letter rehashed but they have added the Common Law no breach sentence.

 

pete

[gizmo111]

Who was this letter from

[Castlebest]

Citi Cards, its signed "Office of the Chief Executive"

 

pete

[gizmo111]

Probably more suitable to Citi, Pete, as you must know by know they don't do anything like the others!

[Castlebest]

after Judge Smiths comments we will see

 

pete

[Castlebest]

Just a thought Giz, if this thread was too off topic for the General forum why did this one stay

 

http://www.consumeractiongroup.co.uk/forum/general/143240-citifinancial-defence-now-received.html

 

pete

[gizmo111]

Cos I never saw it - moved now:)

 

It's not exactly off topic, but Citi are unique in their tactics and will get more interest and be of more use to Citi claimants who may never see your thread in the general forum.

[Castlebest]

Ah right, I was just curious

 

It was intended as a general warning as the title says and I will update my citi thread when I have replied to the letter ;-)

 

pete

[JohnW]

Hi to Castlebest and everyone. I received the exact same letter from the Office of the Chief Executive today!

I have posted it in the Citi thread as suggested in case anyone wishes to read it in it's entirety.

[Castlebest]

Hiya John, I think we will find its gone to all of the Citi card claimants to try to introduce the recent comments by Judge Smith in the OFT Judgment that there is no breach of contract because the contract allows for misdemenors... which is true after a fashion with most current accounts but is not true with credit cards.

 

which is why I wanted this in the general forum to get a little debate and a few ideas instead of a record of my Citi claim in the city claim forum .

 

pete

[Enron]

They havent said though, that everytime a court has asked them to justify their charges - whether it be the merchantile or small claims they always default!

 

Strange that. Some might say that they have something to hide.