Citi Cards being obstructive with SAR

[coledog]

Yes - obviously they have problems with actually dealing with correspondence which does not promote confidence in their abilities to handle anything else!

[MARTIN3030]

Stalling tacs are something Citi are masters at and famous for.

From what you say,the ID you have provided satisfies the criteria in the ICO guidelines.

I think it would benefit both you and others to have your thread in the Citi forums.

Will move there now.

[alangee]

Hi MC

 

I do not want to dishearten you, but it took me almost two years to get the information I wanted from CitiCards. I used both the courts and ICO. The court wanted to find in CitiCards favour, but were concerned that the ICO may overide their decision, so kept staying th case. Eventually ICO ruled 100% in my favour, and I got ALL of my data. Just do not give up.

 

Alan

[Master Chief]

Hi MC

 

I do not want to dishearten you, but it took me almost two years to get the information I wanted from CitiCards. I used both the courts and ICO. The court wanted to find in CitiCards favour, but were concerned that the ICO may overide their decision, so kept staying th case. Eventually ICO ruled 100% in my favour, and I got ALL of my data. Just do not give up.

 

Alan

 

OMG Thanks for the reply, but not sure that is what I wanted to hear.

Why so long, were you trying to reclaim substantial charges or something?

[Master Chief]

Stalling tacs are something Citi are masters at and famous for.

From what you say,the ID you have provided satisfies the criteria in the ICO guidelines.

I think it would benefit both you and others to have your thread in the Citi forums.

Will move there now.

 

Thank you

[alangee]

Hi MC

 

No. They sent all my statements, so I could claim my charges while waiting for the rest of my data to come. They initially only sent me the previous six years statements, but the IOC told them to send ALL of my statements, which they did. However they refused to send me anything else, including the name of the DCA they sold the account.

 

Here is the thread I used http://www.consumeractiongroup.co.uk/forum/showthread.php?178240-User-Jimbo&highlight=

 

Alan

[Master Chief]

Hi MC

 

No. They sent all my statements, so I could claim my charges while waiting for the rest of my data to come. They initially only sent me the previous six years statements, but the IOC told them to send ALL of my statements, which they did. However they refused to send me anything else, including the name of the DCA they sold the account.

 

Here is the thread I used

Alan

 

Thanks Alan, very useful.

 

Through reading your thread, I picked up on a post that suggests Citi are connected with Egg in some way. Could someone please enlighten me as to what the connection is? As I also have a defaulted Egg loan, for which I have a repayment agreement.

 

Thanks,

 

MC

 

PS. Had to remove the link for the thread as I had an error stating my post count is only 18. Although, I have 40!

 

Well I'm sure it siad 40 when I checked!

Edited November 8, 2010 by Master Chief

[Master Chief]

Hi, I did ask this in my post on another subforum (Citi), but unfortunately no takers so far. I would like to get an answer to this if possible, so I'll try here.

 

Following continued harassment from a well known DCA, I SAR’d the OC, regarding ‘A N Other’ CC account. Link here: http://www.consumeractiongroup.co.uk/forum/showthread.php?282998-Citi-Cards-being-obstructive-with-SAR

 

Since, I have discovered through another thread that Citi are (or may be) responsible for an Egg loan defaulted around the same time.

 

Some background: All my outstanding debts (three to my knowledge) were defaulted around 2001, the time I was going through my divorce and then also became unemployed. My solicitor who was dealing with my divorce at the time wrote to all my creditors and I believe negotiated a cessation of interest and charges, basically because I was attempting to get sufficient funds from the equity in the house as part of the divorce settlement, so that I could pay my debts off. Now I was not asking for anywhere near what I would have been legally entitled to, just enough to pay what I owed. But the illustrious judge dealing with the case decided that I could have nothing, despite having solely paid the mortgage and endowment for over ten years. The dubious decision was based on the fact that (in the simplest terms I can understand) ‘because I needed the money now and my ex could not raise the funds now that I was not entitled to anything ever’. Pretty harsh I thought, but what do I know!

 

I subsequently negotiated payments to my creditors and as a direct result of that sh*t decision I am in the debt position that I am in today.

 

Anyhow, that is how I got here and following several years of unlawful harassment by this particular DCA the reason I found this site and my subsequent SAR to Citi, with a view to seeing if the CCA is enforceable and whether there are unlawful charges/PPI etc. (not sure if I’m out of time on any of these though). But I have a feeling that the ‘A N Other’ CC defaulted balance was around £1000 less than what was stated as the original balance quoted by the DCA.

 

My current position is that I have SAR’d Citi and the DCA, also CCA’d the DCA in addition to a formal complaint regarding unlawful harassment.

 

Sorry for the diversion, but to my question. At the time of SARing Citi, I was not aware that they may be the same company I would have to SAR regarding the Egg loan.

 

Is it reasonable to expect that they provide information on both the CC account and Egg loan account under the same SAR?

 

I did specifically quote the ‘A N Other’ CC account in the SAR, but in the first paragraph request ALL information that they held on me.

 

The reason that I ask is that, firstly it would be nice not to have to spend another £10 and have to wait another 40 days (if I’m lucky). But more importantly, if they don’t supply all information that they hold on me (which includes the Egg loan) will they then be deemed to have not fully complied with the SAR?

 

I hope that is not too unclear and apologies for rambling, but I thought some background may be helpful.

 

Thanks in advance,

 

MC

Edited November 9, 2010 by Master Chief
oops forgot linky

[dadofholly]

If you SAR a company they should supply you with ALL the information they have on you - by which you can be personaly identified - regardless of how many accounts/agreements/files they hold on you.

 

I would just check that any company does hold both sets of details though and it's not just hearsay.

[42man]

one question....have you been paying small amounts / agreed amounts since 2001 ?

 

As for the SAR if Citi own Egg then I am pretty sure they should be providing everything they hold on you as a data subject under your SAR to Citi. I'd wait and see what comes back (before the 40 day deadline)....

[Master Chief]

one question....have you been paying small amounts / agreed amounts since 2001 ?

 

 

The amounts have increased when requested and prudent to do so. But this particular DCA has used what I consider to be undue and unlawful pressure/methods on all ocassions. To the extent that it is my smallest debt, but I pay the bulk of my repayments to them! Not pro-rata per percentage of debt amount.

 

I'll try to find the post that suggested Egg was now part of Citi.

 

Here, post #22 http://www.consumeractiongroup.co.uk/forum/showthread.php?178240-User-Jimbo/page2

Edited November 9, 2010 by Master Chief
additional info

[alangee]

Egg were bought by Citi a couple of years ago.

 

Alan

[Master Chief]

Seems I have four intersted guests. Aren't I lucky!

[Mr Worried]

Hi Chief

 

I have noticed other cagers imply that they have ' guests ' watching them? what makes you think that? I am curious.

 

Mr W

[Master Chief]

Egg were bought by Citi a couple of years ago.

 

Alan

 

Thank you Alan.

 

Ok, so that is interesting.

 

Sorry I sort of double posted this, but is my question fair here http://www.consumeractiongroup.co.uk/forum/showthread.php?283283-SAR-Request-Questions(2-Viewing)-nbsp

[Master Chief]

Hi Chief

 

I have noticed other cagers imply that they have ' guests ' watching them? what makes you think that? I am curious.

 

Mr W

 

Underneath in 'Thread Information' it states how many members/guests are viewing a thread. At the time of posting I had 4 guests viewing.

 

Shame about the other threads demise, but tbh, as you, I have other fish to fry.

[Mr Worried]

Hi Chief

 

Their behind you Ha Ha.

 

Mr

 

 

 

Underneath in 'Thread Information' it states how many members/guests are viewing a thread. At the time of posting I had 4 guests viewing.

 

Shame about the other threads demise, but tbh, as you, I have other fish to fry.

[Master Chief]

Hi Chief

 

Their behind you Ha Ha.

 

Mr

Ohhhhhhhh, no they're not! lol

 

 

I'm not paranoid, but the people who are secretly plotting against me are.

To be fair though, a small dose of paranoia on here is probably not a bad thing

[dadofholly]

Ohhhhhhhh, no they're not! lol

 

 

I'm not paranoid, but the people who are secretly plotting against me are.

To be fair though, a small dose of paranoia on here is probably not a bad thing

 

You are right to be paranoid MC - the DCA's regularly read these forums. Have had it happen to me.

[Master Chief]

Hi, this is related to other posts that I have on here at the moment regarding a certain DCA.

 

Essentially, three debts dating back to 2000/2001 time, all of which are still being paid monthly. Two, have completely dropped off my file with Experian & Equifax. However, the pesky little blighters from said DCA, seem to be manipulating information held with one CRA.

 

The original default does not show, it now says Credit Card with said DCA. And although I have been paying without fail, they seem to have neglected to reflect this on my CRA file. So the information shown, is not only a default created to keep the negative information alive. The balance and payment history is out of date by some 14 months or so. It just shows 'U' against the monthly entries.

 

So I guess my questions are, is the practise of registering another default against the same account proper?

 

Should they be obliged to remove the information, if not are they obliged to ensure its accuracy?

 

And, depending on the replies to above, what can I do about it?

 

Cheers in advance,

 

MC

 

PS. I can take a screen print and PM it to genuine peeps if that helps.

[Master Chief]

You are right to be paranoid MC - the DCA's regularly read these forums. Have had it happen to me.

 

Maybe a private area on the site for verified users would useful for discussing sensitive information?

 

I know that the whole idea is for other CAG'rs to be able to draw on the information posted, but surely there are times when such a 'closed' discussion would be useful and beneficial?

[Master Chief]

BTW. On the actual point of my post here, another member has confirmed Citi bought Egg a few years ago.

 

However, I am still unsure as to what information I can fairly expect in response to my SAR with Citi. For the reason that is Citi Loans a different company to Citi Cards, or does it not matter. If its Citi, it is Citi?

[silverfox1961]

Why don't you SAR the credit reference agency. This should get you an accurate account of your credit history for the past 6 (or more) years

[Master Chief]

Why don't you SAR the credit reference agency. This should get you an accurate account of your credit history for the past 6 (or more) years

 

Thanks SF, good point and I may well do this, for completeness of information.

 

But the information I can see today is incorrect and this doesn't really answer my questions.

 

Although thanks for your reply, I hadn't considered SAR'ing them.

 

Regards,

 

MC

[Master Chief]

So Royal Mail conformed POD today for my complaint and another copy of utility bill.

 

Inerestingly, I also checked with the PO today as to the status of the Postal Order I sent originally, it seems that this was cashed yesterday - before they had my response and duplicated proof of ID/address! So it seems that they already decided to go ahead with the SAR or steal my money!

 

MC