Citi Help Please

[ltc1607]

I have a CITI card with a very large balance on it and have never missed a payment until this month when I sent a cheque and it never cleared due to me not being paid by a company i contract too.My question is I need to write to CITI and explain I cant pay at the moment any ideas how to word this and should I send a token payment.I intend to CCA CITI as I am sure they wont have an agreement but I need to sort this month first.Thanks.

[PGH7447]

just write and tell them that due to unforseen circumstances this months payment will not be made, however as a gesture of goodwill here is £X amount instead

[ltc1607]

could someone give me the link to the letter templates please

[maroondevo52]

Hi,

 

You'll find one in here..................

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

I'll move this thread to the CITI Forum.

 

Regards.

 

Scott.

[ltc1607]

I sent a CCa request to CITI and received nothing so I did an SAR request I have received that today no CCA enclosed or terms and conditions and a paragraph that says unfortunately we have been unable to locate the application form for you under the account number given so it seems they cany find the CCA any ideas what I should do next?

[silverfox1961]

Strangely (or not) I had the same response from Citi yet the account number I gave them was the only one ever issued by them.

You won't get a copy of your agreement. They will use every trick in the book to get out of sending you it (if they do have one at all)

 

The wouldn't send me any terms and conditions either as they said they weren't part of a SAR. It took the intervention of the FOS to get them and still no agreement.

 

As to what you can do. If you have put the account into dispute there is not much else you can do. If they sell the debt on you can send the DCA packing with a "bemused" letter. If you have stopped paying, they will screw your credit file even though the don't have your written permission (ICO have said it's OK)

[ltc1607]

Thx silverfox it sounds like your reply was the same as mine I would just like to bring itto a close.

[silverfox1961]

I have a file of letters going back and forth with Citi and it tends to confuse them. In one letter they said they had complied and the agreement they had sent was compliant with the regulations. HUH! What agreement??

As for account history. NOTHING. Not even a screenshot.

 

All I ever got directly from them was copies of my statements and copies of recent letters.

 

Bringing it to a close will be hard. No agreement-no pay but your credit file is stuffed. 6 years later, Statute Barred and it falls off your file

[ltc1607]

All I got was copies of statements and recent letters no screenshot or anything about cca how long have you been fighting them

[silverfox1961]

All I got was copies of statements and recent letters no screenshot or anything about cca how long have you been fighting them

 

 

SAR sent 4/3/09

reply received asking for proof of id a month later.

various letters sent including a complaints letter

Finally got my SAR on 3/6/06

lots more letters back and forth with a "final response" in 08/09

in this letter they say they were going to forward my T's&C's to Cabot to forward on to me??? (never happened!)

10/09 complained to FOS

Took the till 06/05/10 to get a response. All I got was the T's&C's and the FOS felt that was OK

My last correspondence to Citi was to inform them of my new address and that was May this year.

They are not responding to me anymore.

[ltc1607]

Just had a letter from the complaints department saying they are looking into why I have not had cca but inthe letter it says that under section 78 request I am not entitled to withhold monthly payments is this correct I have put them in default?

[PGH7447]

no cca no agreement you can withhold payment if you so wish and there aint a thing they can do about it

[silverfox1961]

Have a look at the Act:

http://www.opsi.gov.uk/acts/acts1974/pdf/ukpga_19740039_en.pdf

 

Page 52 s78(6)

 

You can then tell them they are talking balls. i would also send a copy of that letter to the OFT. Trying to circumvent UK law indeed. Ruddy American companies

[ltc1607]

Thanks for that should I just sit tight and await next move?

[silverfox1961]

If you're not paying thenI predict they will default you then terminate (without telling you of course). You will then receive a assignment letter and a welcome letter from a DCA (in the same envelope) and both letters will look a similar font. This is because Citi don't issue NOA's.

You will send the DCA a bemused letter who will pass it back to Citi who will pass it on again and you will send the new DCA a bemused letter...........................................

 

Do you see where this is going?

[ltc1607]

I have received a termination letter

[silverfox1961]

In that case, I'll bet the welcome letter from a DCA won't be far behind. (did you receive a default notice)

 

Citi feel they are above UK law.

 

Not much you can do really. Not much they can do either

[ltc1607]

yes had DN then termination have asked them again for cca or to confirm they dont have it

[silverfox1961]

They will never admit they don't have one.

 

As I said, when I complained, they said they had supplied me with one and when I wrote back correcting them they stopped replying to me.

[dollydimples]

i have had a letter from cabot who have bought my account from citi i requested a true copy of my agreement on the 13/10/08 nothing came i then sent them you have failed to comply with my request letter on 3/11/08 still only telephone calls no agreement i then sent them a letter stating no acknowledgement of the debt as they had failed to comply with an reasonably request it went quiet until a letter from citi default notice dated 7/01/09 then a letter dated 6/03/09 termination of agreement nothing morefrom them until last week in the same enevolope a letter from citi photo copy of assignment and the welcome to cabot letter .Cabot have rung every day since sending the letter but i have refused to speak with them .who do i write to them or citi and any ideas what i put any help appreciated thanks

[silverfox1961]

I had a funny feeling Cabot would show up-bless em-NOT

 

send the fools this:

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

[dollydimples]

thank you letter will be sent tomorrow think i pm you last year about citi

[silverfox1961]

thank you letter will be sent tomorrow think i pm you last year about citi

 

Well any advice I gave you last year sure hasn't changed to this year. Citi are so predictable now

[Bosund]

Hi dollydimples,

 

Welcome to the club

 

You may, or may not, get more specific answers to your questions if you started a thread of your own. Maybe the site team can help.

 

As for your questions, in the first instance have a look at this http://www.consumeractiongroup.co.uk/forum/showthread.php?242324

 

it's to do with the Notice of Assignment.

 

I have received the same as you after Citi refused to sed me a copy of the CCA as requested, even after telling the FOS they had! Consiquently I've been contacted by Cabot and have replied with the following.

 

'

As I have not received any Notice of Assignment of any alleged debt I will forthwith, ignore any attempt by you, or anyone alleging to act on behalf of your company, to communicate with me.

 

In addition, with reference to the above alleged account that you claim to own, I would be grateful for a signed copy of my Credit Card Agreement. Under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of this agreement upon request.

 

I enclose a Postal Order payment of £1.00 which represents the fee payable under the said Act.

 

I understand that a copy of my Credit Card Agreement should be supplied within 12 working days.

 

I look forward to hearing from you. '

 

Hopefully you have a telephone with calling number display or a truecall device. They always call on a number starting with 01732. Unfortunately our truecall device does not work with our new telephone , (otherwise we would block them), so we just look at the caller no. If it starts with 01732, we ignore it.

 

The advice from people far better qualified than me on here is that if they don't have the CCA, they cannot do much about it but try to give you grief - don't let it get to you.

 

Hope this helps,

 

Bosun.

Edited October 4, 2010 by Bosund
correction

[the_shadow]

Hopefully you have a telephone with calling number display or a truecall device. They always call on a number starting with 01732. Unfortunately our truecall device does not work with our new telephone , (otherwise we would block them), so we just look at the caller no. If it starts with 01732, we ignore it.

 

Bosund, we changed from BT to TalkTalk and had a problem with the truecall not picking up calls, I emailed the customer support people of truecall and they downloaded a firmware fix to the machine which enabled it to see CLI on the talktalk line.

 

HtH

 

S.