Associates/Citifinancial Unfair charges claim

[Shelley181146]

Both my husband and I had old Associates card's which were later taken over by CitiFinancial in April 2003.

Both accounts have Unfair charges applied to them throughout the duration of the accounts and both accounts are over 6 years old. FOS have accepted there is no case to answer to due to the time limit but I have decided to take them to court for them having had success with our PPI claim with them at the end of last year.

 

I have gone through the website with fine tooth comb to locate an upto date version of PoC suitable for the purpose but cannot find one. Would someone kindly point me in the direction please?

 

Appreciate your help

[dx100uk]

try barclays shelley's case

 

see the bacrlays successes forum

 

dx

[Shelley181146]

Thanks dx.

I am Shelley, lol.

 

I thought the POC templates were different for each bank but the one I found for Citi was 2007 and wasn't sure if this was useable. However, having compared it to others, it is minimally tweaked to the relevant T&C's.

 

Off we go with another court case for Citi.

[dx100uk]

hehe

 

thatwas a good one!!

dx

[Shelley181146]

They (we) must be working you too hard. Sorry

[Shelley181146]

Well, Citifinancial have ignored my LBA and so I have tweaked the PoC attached.

 

Would a member of the site team kindly give it the once over to clarify I have dotted i's and crossed t's where appropriate? It is the little things that will matter if Citi defend.

I appreciate it is my responsibility for the document to be accurate when submitting it to court (Salford) but I am quite stressed at the moment and maybe inadvertently over-looking sections which may require a little more work.

CAG Citicard POC Jul 2012.doc

[Shelley181146]

This was sent to CCMCC by S/D 6th July and duly signed for by their security guard on 9th July 2012. However, long story condensed - paperwork lost for almost 2 weeks when finally found they have issued N1 claim, albeit, I have yet to receive my financial documents and copy of N1 form. Apparently returned by R/D on 1st August

 

Anyway, at least it is yet another claim in the system for Unfair charges against my financial 'Pen-Pals' Citifinancial, hehe

[Shelley181146]

Package received today (posted yesterday) but the main thing is I have my financial docs back.

 

N1 has been issued and Citi have a couple of days left to respond.

 

If Citi are true to form, they'll ignore everything until I get Judgment and then delay things in their very own unique way.

[vazunna]

Hi Shelley,

 

Hope you can help actually, I too had a card with the Associates. paid em' off just over a grand in January 2003.

 

Who do I SAR ???? Citi told me Opus.... No details... Citi then told me they got NO DETAILS... 2 Hours later still no joy.

 

Got my account number but no statements.

 

Thanks in advance.

 

Vaz

[Shelley181146]

Hi Vaz,

Have you a thread regarding this matter? If not, start one and I can answer on there so as not to confuse visitors on this thread if you don't mind?

 

Once you have started a thread send me a message with a link to it and I will post on there.

 

In the meantime, can you remember who you paid the final amount to?

[vazunna]

Hi Shelley, thanks for your reply. I can start a new thread but not sure how to send you a message with a link to it.

 

A bit wet behind the ears I am afraid.

 

Final amount on my statement was to Associates.

[Shelley181146]

Okay.

Start a new thread and I will find you.

 

Shelley

[vazunna]

Thread started Shelley, Associates Card

 

Thanks

 

Vaz

[vazunna]

http://www.consumeractiongroup.co.uk/forum/showthread.php?361272-Associates-Card&p=3939952#post3939952

 

Is that correct Shelley?

[Shelley181146]

Yes that's fine - have replied on your thread

[Shelley181146]

Package received today (posted yesterday) but the main thing is I have my financial docs back.

 

N1 has been issued and Citi have a couple of days left to respond.

 

If Citi are true to form, they'll ignore everything until I get Judgment and then delay things in their very own unique way.

 

Nothing received (as expected) so I have faxed my request for Judgment to CCMCC

 

Looks like I will be busy with Citi for a while,

[Shelley181146]

Commencing rant - It appears that the CCMCC have given priority to the defendants solicitors and duly returned my request for Judgment on this case so here is a timeline of what took place.

 

N1 issued - defendants solicitors had till 10th August to respond

Nothing received by me so I faxed Judgment request to my contact at CCMCC (advising I am willing to send original in post - just advise) on 11th August

Nothing heard by 14th August, so I telephoned my contact to be told they had received my fax and would be processing accordingly.

Today, I received Notice of Acknowledgement from CCMCC dated 18th (advising that defendants had Acknowledged service on 13th August.

Have you spotted it yet? Yes, my fax would have been received BEFORE the defendants correspondence, and the defendants correspondence was AFTER the cut off date anyway!

I have also received my Judgement request with a letter which states " The defendant still has time to submit a defence".

 

For those of you not having read all of my thread - the CCMCC lost my original N1 request with all financial documents for almost 2 weeks, causing considerable delay in the first place and now they tell me that the defendants get priority in these circumstances..............What's the bloomin point of having cut-off dates if the system is not going to adhere to them? How come all of a sudden they can process something received on 13th August so quickly, when quite clearly, they do not process my correspondence received on 11th August?

This stinks in my opinion.

Where's the justice in this process?

 

Rant over.........

Shelley

[Shelley181146]

I received a phone call from a senior staff member at CCMCC (having registered my dis-satisfaction with their handling of my case) on Thursday evening who has promised to look into the matter on Tuesday. They are fully aware that MY documentation was in their offices BEFORE the defendant's and will be happy to put this paperwork before DJ to decide how to proceed.

 

However, the Defendant's solicitors have sent a defence and I would appreciate your thoughts/opinions please.

 

I would add that 12 of the charges were applied AFTER they were advised of circumstances but they refused to communicate with me.

 

Shelley

Their Defence.doc

[Shelley181146]

I received a phone call from a senior staff member at CCMCC (having registered my dis-satisfaction with their handling of my case) on Thursday evening who has promised to look into the matter on Tuesday. They are fully aware that MY documentation was in their offices BEFORE the defendant's and will be happy to put this paperwork before DJ to decide how to proceed.

 

However, the Defendant's solicitors have sent a defence and I would appreciate your thoughts/opinions please.

 

I would add that 12 of the charges were applied AFTER they were advised of circumstances but they refused to communicate with me.

 

Shelley

 

CCMCC have requested that I resubmit my request for Judgment to enclose with the file because they agree that my original request was 'processed out of sequence'. Therefore, they will put my file to a DJ to make a decision on the matter.

 

Slick, if you have a moment. I would appreciate your comments on the Defence which Citi legal team have submitted(#18), just in case the DJ goes the other way with the matter please.

 

Thanks guys

Shelley

[thelightbrigade]

Are Citi paying out on 6 year+ claims? I also have a claim to make with old charges.

[Shelley181146]

Are Citi paying out on 6 year+ claims? I also have a claim to make with old charges.

 

Not sure yet.

They have defended my claim but it has been received after the cut off date so it's with a DJ to decide whether to grant my request for Judgment by Default.

(on this claim) but I have another claim going through so you could watch this space but I would suggest you have a read around the Citi forum as well to see how others are doing with theirs.

 

I did have a win with Citi last year on PPI which included Interest in Restitution and played electronic 'ping-pong' before they finally settled the week before Christmas

[Shelley181146]

Having spoken to the CCMCC on Wednesday, they still have not done anything with my paperwork.

 

This is so unacceptable for a court to do with claimants stuff. What the hell have I got to do to get my claim moving?

 

Urgh!!!!

[MARTIN3030]

Yes unfortunately they are masters in stalling and seem to get away with it.

[MARTIN3030]

Shelley was the Associates card issued around 2000?

Citi takeover and rebrand on the Associates card took place well before 2003.I think it was more like 2001

[Shelley181146]

Shelley was the Associates card issued around 2000?

Citi takeover and rebrand on the Associates card took place well before 2003.I think it was more like 2001

 

Hi Martin,

You are right with the timeline. It was an Associates card about 2000 and from memory it wasn't long before Citi took over.

 

I have spoken to my contact at the CCMCC today and still no information. Because Citi acknowledged albeit out of time, the paperwork has to be put before a DJ for a Judicial review, (or so I am being told) and they haven't yet received the Judges decision.