CITI credit Card PENALTY charges reclaim

[cassie53]

HI,

 

Contacted Citi Financial about unfair CC charges - had a reply from them today, stating that as there are no default charges in the last six years, Citi has a policy not to refund charges that were applied more than six years prior to the date I claimed. Is this correct?

[dx100uk]

you can goto court if you wish

 

dx

[cassie53]

No they are credit card charges.

[dx100uk]

updated posts and thread title.

 

ok

 

HOW did you claim and ARE these PENALTY charges older than 6yrs then?

 

dx

[cassie53]

yes, from 2000 until 2005, then it got defaulted and they took me to court, so I have been paying 50pounds per month, paid over half of it now.

[dx100uk]

really you didn't tell us the court bit.

 

ok you wont ge the charges back unless you goto court

 

however, did YOU know about the previous court case , did you get a claim form

 

you should have used those charges as a counterclaim.

 

dx

[cassie53]

Hi,

 

It was a CCJ against me, and i do not have the paperwork now, as it is under robinson way.

 

I had to send a detailed list of my outgoings and came to that agreement with the court.

 

Which I have been paying ever since.

 

s it true that you cannot claim back further than 6 years for credit card charges?

[havinastella]

Hi,

 

It was a CCJ against me, and i do not have the paperwork now, as it is under robinson way. So I had to send a detailed list of my outgoings and came to that agreement with the court. Which I have been paying ever since. Is it true that you cannot claim back further than 6 years for credit card charges?

 

NO

[cassie53]

So how I do go about moving further with this? Thanks

[dx100uk]

sorry to side track but

what you are saying concerns me

as does the name robinson Way or robbersway as we call them.

if you've been paying £50PCM since say 2006

then thats +£3600 and you've just cleared half?

was it robbersway that took you to court?

if not why are you paying them now

and not the named creditor

do you or have you ever got an annual statement?

as for the charges

its rare that creditors cough passed 6yrs on a charge

and [as i've moved this to the citi forum]

you'll see there are no instances of this

dx

[cassie53]

I am sorry I never seem to explain myself properly.

 

The problems started in 2005 and just got worse

 

in 2006 got in touch with cccs

 

for about 18 months we were paying £1PCM,

but then there was a hiccup with our bank and things just went badly wrong.

 

That when robinson way took us to court,

we have been paying this for at least three years, so we owe just under £1000 now.

 

I don't get an annual statement

just everytime I pay 50.00 they send a letter with the remaining balance on it.

 

So really it is not worth pursing this?

[dx100uk]

ta.........

 

 

i hark back to this court case......

 

need more details.

 

who were you paying £1PCM to before robbersway took you to court ?

 

do you know that it had been sold to them by the time the claim form came.

 

did you defend the case

 

all or nothing

or the first you knew was when the court wrote asking for I&E sheet?

 

and what date is on the judgement and what WAS the judgement?

 

yo can get these details from trustonline site

 

i'm worried that you cold have overturned this with a PENALTY charges counterclaim and were never aware

 

dx

[cassie53]

Hi,

 

No never defended the case as I was not aware I could.

 

Citi sold the debt on in 2006 to Robinson Way, when we got in serious trouble

we found CCCS on the website and contacted them, and they helped us set up paying our debtors a £1.00 a month,

until our bank who I thought was helping us, stopped our cheque account,

 

the only way to pay was by going into the post office and paying the slip in,

then they started charging us, so it all got a bit out of hand, and by this time I had lost the plot.

 

they took us to court.

 

I have just checked and I was surprised there are two court judgements against me and I am not sure who the other one is.

 

the Robinson Way one was £2948 and it was from 16/7/2009.

I then got the forms etc filled them in, to reduce the payment as they were asking silly money and I think I started paying this in the November of 2009 and been paying ever since.

 

Although the prices don't tally, so really confused now!

 

Is there anyway I can find out exactly who took me to court?

[dx100uk]

http://www.trustonline.org.uk/understand-judgments-fines/ccjs-and-the-register/

 

 

 

dx

[cassie53]

HI Dx

 

I have to contact the court to find out who the company were, does not disclose it on there. I emailed them and that is their response to me.