cca city card

[jamanji]

Hi All,

Need some solid advise from all you experienced people,

Just asked for a cca from 3 of my credit card companies, got a phonecall from citi cards to ask why im asking, as im currently paying them all at least the min payment, needlest to say i hung up (weird request)There 14 days is up next week, so what will i do if they dont arrive in time ?

Put the account into dispute?

If so how much should i pay them a month £1 , £10 ?

Does putting the account in dispute affect your credit rating straight away? or does it ,or should it affect it at all?

Also have sent a subject access request to 3 other cards as i was paying PPi for years on them and im self employed so await this as well,

Have had a succesful company for years but within 6 months all orders are cancelled due to the downturn so just trying to sort out the next move in advance so i dont make an arse of it

Any advise is much appreciated many thanks

[maroondevo52]

Hi,

 

Regarding your CCA request to Citi................

 

http://www.consumeractiongroup.co.uk/forum/citicards/249799-new-strategy-s78-1-a.html

 

Regards.

 

Scott.

[jamanji]

cheers scot, many thanks

[jamanji]

citi took my £1 and took it off the account balance, they completly ignored my request, just sent account in dispute letter today

will keep posting as it progresses

thanks everyone

[maroondevo52]

Hi,

 

One of our Mods, Enron is good with Citi, I'll move this thread to the Citi Forum.

 

Regards.

 

Scott.

[Enron]

Yep, Citi are an interesting case.

 

Despite their own internal code of conduct enshrining a customers right to "free access" where such laws exist, they do not honour them.

 

Things may have changed recently though, as all their credit cards accounts have been sold to a third party.

 

My belief is that they have lots of problems with there accounts before 2006, certainly from the point of view of the much older ones they only retained copies of the front of "executed agreement".

 

And whilst they maybe able to produce a copy of the original Terms & Conditions (often undated in the text), it would be hard for them to establish without doubt that these two documents actually belong to one another.

 

You are entitled to withold payment whilst your s78(1) CCA request is outstanding. However in accordance with the Manchester Test Case a creditor is entitled to record entries against your credit file, request payment, and so forth...... they however can't take you to court during the period of their default, or threaten legal action -- because they simply can't do it (and to do so is against OFT rules).

[jamanji]

Thanks enron,

I have sent a subject access request,i have offered to pay £21 per month on the basis they freeze the intrest and charges and review in 6 months when hopefully my situation will improve,dont know if they are the kind to accept this, ? dont know if im being fair, or wasting my time?

[jamanji]

Thanks enron,

Have pffered to pay them £21 per month and they freeze the intrest and charges and review in 6 months as hopefully my situation will improve by then, have sent subject access request , dont know if they are the kind to accept this ? or am i wasting my time and money?

oops sorry already posted this

[Enron]

See what there response is.

 

From the point of view of Citi, you may have received a letter stating that all the credit card accounts have been sold -- so it will be upto the new creditor as to whether to accept.

 

They are meant to be accepting of those in financial trouble, especially as hassling you could break the Protection From Harassment Act, and they rarely go to court -- as you could end up paying next to nothing a month.

 

Out of interest when did you apply for the account?

[jamanji]

thanks enron,

The account was before 2000 im sure, in the 90s sometime, i did receive the letter and i wikk await there response

i dont mind paying 21 per month till things pick up for me, as im sure they will eventually, hope they accept to freeze intrest and charges ? if thety dont give me a copy of the cca can they go to court? as i am trying to tread the water just now, after all if the financial industry didnt mess up i wouldnt be struggling just now as most people are

[soslasthope]

Hi can any body deirect me to a site that has a account in dispute template please thanks

[jamanji]

Got a letter from Citi thanking me for the £1 payment but its short of the minimum payment, They have totally ignored my cca request

Is this there normal ignorance ?