darrenLH1977 vs Citi

[darrenLH1977]

CC with a £500 limit, £600 in charges, plus interest of £81.33.

 

I already had all my statements, filed N1 on 27/6, they were deemed served on 8/7, notice to defend on 18/7, defence posted to me on 21/7. AQ to be taken in on 7/8. They claim it is not a money claim but a damages claim, and they dispute how I have worked out the interest, I am sending them a table of how the interest was worked out.

 

In the defence they posted they admitted to selling my debt to Cabot for £177, and that they lost £650 in doing so, I could hardly read through the tears.

[darrenLH1977]

AQ taken in today, no fee because original fee was remitted.

[adamski]

Any news on this?

[darrenLH1977]

Actually, yes. Citi posted defence, I put in AQ, they have until 18th Spetember to return their AQ. 19th September I can put in for judgment.

[darrenLH1977]

My case against CitiCard has a court date, I've been speaking to David Travis and he has told me (over the phone then in writing) that Citi will prove that each breach only cost them £12.88. The gist of the conversation being that now they observe the OFTs new price of £12 they are losing 88p per charge on their actual overheads.

 

However if they state this in court are they not opening the door to claims by every Citi customer who has ever been charged to claim back the difference between their pre-£12 charges? Most were set at £25 so this would be admitting to overcharging every customer by £12.12, would it not. Have any other cases ever got to the point where a bank has stated a price in court?

[Thailand]

Yes. Citi have set the standard on this. I'm not too hot with linking but search for Lickthewallfatboys Citi thread and keren29's, you will be enlightened!

[Bookworm]

Please have a search for Lickthewallfatboy's thread in Citi, where they did this for the first - and only - time.

 

There is no such thing as an OFT "new price", there is a threshold at which the OFT will take legal action against the banks themselves. The OFT state that £12 is NOT to be seen as an acceptable amount, and that only a court can decide what is or isnt a penalty charge.

 

Beware talking to them on the phone, they will poison your mind and convince you that day is night and that they're losing money whenever they charge you unlawful charges!!!

 

DO you not have an existing thread?

 

 

[edit: found it. Merged 2 threads, pls keep your updates and queries to one thread per claim in future, thanks.]

[darrenLH1977]

Big news.

 

They put in AQ, court date 2pm 14th November 2006.

 

David Travis has quoted me Kissik vs Citi, and says they will prove £12.88 per charge.

 

I recommended he stay at the Novotel, within walking distance of the Courts.

[darrenLH1977]

I do. But I thought this was a general point. David Travis has promised me he'll be in court. I have looked through the quoted threads. I got David to put £12.88 in writing. I wasn't sure if this was a significant thing.

[gizmo111]

I do. But I thought this was a general point. David Travis has promised me he'll be in court. I have looked through the quoted threads. I got David to put £12.88 in writing. I wasn't sure if this was a significant thing.

 

Which court?

[darrenLH1977]

Wolverhampton County Court.

[Thailand]

Wonder if they'll try it on over here?

[lickthewallfatboy]

you may all have an extra weapon in the old armoury by that time-the "face reddener" I think it's called....

[steve chester]

hi, a pal of mine who has a citi credit card tells me he had a letter from citi, 30 days notice, that their standard monthly interest rate has gone up to 27.9%pa a rise of 60%, citi must need this money to pay brian smith bill.

Has anybody else had a letter.

[Enron]

Know that the Kissick case got dismissed as a case history in Keren29`s case as N.Ireland law is different to that here. Still Citi continue to use it.

[darrenLH1977]

And if they are watching they know that we know.

 

Tomorrow is the first deadline, if Brian or David are not showing up to see me then they have to let the court know tomorrow.

[darrenLH1977]

Just an update, requested an adjournment next tuesday so I can get more documents from Brian and David. Will keep you posted.

[TBeckett100]

how does it cost £12.88 to add an automatic charge to my statement. does that extra line of ink contain gold?

[adamski]

It does not cost £12.88 Citi know and we all know it!

adamski

[refreshinglyaverage]

Does anybody know how the court hearing went today or was the request for adjournment granted?

[gizmo111]

Does anybody know how the court hearing went today or was the request for adjournment granted?

 

Well he hasn't posted so guess he must be out celebrating.

[lickthewallfatboy]

Does anybody know how the court hearing went today or was the request for adjournment granted?

 

now there's an unusual first post.........

[gizmo111]

now there's an unusual first post.........

 

New Citi reclaimers are very shy LTWB - there was one only last week his first and only post concerned your case, and hasn't been back since.

[refreshinglyaverage]

now there's an unusual first post.........

 

Now there's paranoia.........

[gizmo111]

Now there's paranoia.........

 

What?