Beckett v Citicards***WON***

[TBeckett100]

Just sent off my DPA request and £10.00 cheque. Hopefully should be a bit of wonga in their bank earning me 8%pa interest at court! I'll keep you all updated as and when.

[dolly]

Good luck

[andyace]

Keep at it they paid up at the LBA stage for me after offering the difference between £25 and £12 after the first request. So you will get your cash and that holiday!

Good Luck

[TBeckett100]

Well finally i received my statements (why they produce statements on a closed account god only knows) total £175.00, not much but worth having.

 

Wrote off last Thurs, got a reply today from the office of the chief exec telling me they know i have written before (have i?) and that they are requesting my ststements which can take 6 weeks.

 

should i forward them my statements to speed up their reply, or just issue court action when the 14 days ends, dropping them an email in the meantime? advice please?

[gizmo111]

Well finally i received my statements (why they produce statements on a closed account god only knows) total £175.00, not much but worth having.

 

Wrote off last Thurs, got a reply today from the office of the chief exec telling me they know i have written before (have i?) and that they are requesting my ststements which can take 6 weeks.

 

should i forward them my statements to speed up their reply, or just issue court action when the 14 days ends, dropping them an email in the meantime? advice please?

 

stick to your timetable - just say how ridiculous you think it s that they have requsted such an extension to examine information they already hold.

[TBeckett100]

have issued the moneyclaim now. I will sit back and enjoy the ride for my £250, better in my pocket than theirs.

[TBeckett100]

moneyclaim served and acknowledged today

[darrenLH1977]

Good luck. No doubt Brian Smith is copying and pasting your name in to their standard defence template as we spaek. And I bet you a tenner he says it's not a money claim but a damages claim.

[TBeckett100]

Yawn. (have they defended a case with success yet?)

[TBeckett100]

oh posite has been. Brian has sent me a love letter with a cheque for the difference. whilst my costs are covered and £61 profit, I assume i carry on bankingn the cheque and sue for the rest? they did quote a case that was thrown out which i will look into more, but i have nothing to lose by carrying on

[TBeckett100]

do we think Brian is backdating his letters to the LBA deadline a little. I have his letter dated 26th october which arrived today (04th Nov), maybe thedefence will say "we wrote to him on time, he claimed too much too early"

 

Problem is Brian, the cheque printer never lies and your cheque is dated 01/11!!

[gizmo111]

do we think Brian is backdating his letters to the LBA deadline a little. I have his letter dated 26th october which arrived today (04th Nov), maybe thedefence will say "we wrote to him on time, he claimed too much too early"

 

Problem is Brian, the cheque printer never lies and your cheque is dated 01/11!!

 

Copy the cheques before you bank it - inform the court ofthe part payment and wait for the defence how much do they owe you now?

[Enron]

A simple case of time travel!

[TBeckett100]

the claim is for £260 all inc. i will write to the court tomorrow with a schedule of charges cc'ing citicards

[TBeckett100]

I am getting a bit lost in some of these threads where it goes on for many many pages and everyones interjections, so apologies for this rather basic question.

 

LTWFB effectively lost in court in that he achieved no more than I have so far, i.e. the return of the difference between the £12 guideline and £25.00 charged.

 

The defence which led to the case not working was that the costs were perceived to be £12.88 odd.

 

1) Surely an automated system adding on a charge automatically doesnt cost more, expecially when you are notified ina regular statement and not by a special letter. Just a thought.

 

After the LBA deadline, I filed with Moneyclaim. The defence has been received today disputing the amount. At the weekend, I received a cheque for the difference in reply to the LBA, at the time of issue they did not know I submitted a moneyclaim. I have banked this cheque and have emailed moneyclaim to say I am after the balance.

 

My real question is, are Citicards defending everything in court now and if so am i wasting my time with Citicards for the balance when the judge is likely to agree to the £12.00 figure with the balance refunded as it has been.

 

Thanks in advance

[lickthewallfatboy]

there are a couple of things happening at the moment

 

1.my case has been appealed-and NI law is different than English,as has been pointed out to citi aleady when they tried to use this in another case on the mainland-and small claims court cannot set precedent in any case.

 

2.A couple of cases are being referred to the mercantile court-which will not please citi as there is standard disclosure in that court.No secret evidence there!!

 

3.There are a couple of other avenues being pursued which at the moment are not for publication here,as well all know who is noseying in.

[TBeckett100]

they only owe me another £150, i bet they will go all the way for that!

[lickthewallfatboy]

let's just say that things are starting to take shape.It's building into a larger picture every couple of days,and it will be a nice package when it's all put together!!

 

suffice to say,citi are telling porky pies and they've been rumbled.

[gizmo111]

they only owe me another £150, i bet they will go all the way for that!

 

Yeah - but so will you! Get your costs back as well.

 

I reiterate everything that LTWFB has said - be a bit more patient and things will unravel very quick.

 

Best wishes.

[TBeckett100]

The defence has arrived. I love the way they use faded paper for the extra effect. The defence states interesting that I hold a card with them, which I didnt as of about 2 years ago.

 

i havent stated the law properly.

 

defendant has imnposed charges to cover losses (but they told lickthewallfatboy £12 was the cost!)

 

i failed to aprticularise in my claim form the charges. moneyclaim soesnt give a lot of room, besides as they refunded £91 they much know what the charges were. I must prove the charges. Doh!

 

The defendant states i breached the t&c's 7 times. Not true i did this more and some charges were refunded.

 

"over the lifetime of the account the claimant has set its default fees as £20 and £25.00", did I? Ohh thats slander Brian.

 

its not a moneclaim everyone, its a damages claim. therefore i cant claim interest or the interst i charged was wrong.

 

every allegation in the particulars is denied. OK i lied about having an account numbered xxxx.

 

Is it me or does this defence look as weak as the paper it is printed upon.

 

Dont get me started about the SAR address issues.

[TBeckett100]

apologies for the typos. Actually you know the saying "everyday you learn something new" I have learnt the word Avers. Thanks Brian.

[gizmo111]

The defence has arrived. I love the way they use faded paper for the extra effect. The defence states interesting that I hold a card with them, which I didnt as of about 2 years ago.

 

i havent stated the law properly.

 

defendant has imnposed charges to cover losses (but they told lickthewallfatboy £12 was the cost!)

 

i failed to aprticularise in my claim form the charges. moneyclaim soesnt give a lot of room, besides as they refunded £91 they much know what the charges were. I must prove the charges. Doh!

 

The defendant states i breached the t&c's 7 times. Not true i did this more and some charges were refunded.

 

"over the lifetime of the account the claimant has set its default fees as £20 and £25.00", did I? Ohh thats slander Brian.

 

its not a moneclaim everyone, its a damages claim. therefore i cant claim interest or the interst i charged was wrong.

 

every allegation in the particulars is denied. OK i lied about having an account numbered xxxx.

 

Is it me or does this defence look as weak as the paper it is printed upon.

 

Dont get me started about the S.A.R - (Subject Access Request) address issues.

 

Weve all had one - is yours from Brian or David?

[TBeckett100]

my mate brian

[gizmo111]

bless him ;-)

[Enron]

They do tend to copy and paste their defence, hence why the mistake has been made in stating you currently have an account with them... Brian must be rushed off his feet.

 

As par there very own Terms & Conditions, if you have paid off your account, or paid in excess of the value of the charges plus your monthly interest it is a Money Claim.

 

Things are formulating behind the scenes which will help everyone. And lets just say people in Salford will be left kicking themselves.