citi A word of encouragement for citi claimants

[MARTIN3030]

Guys thats what I have been saying.

[MARTIN3030]

Interestingly enough On my account all the charges were refunded when I requested them with Associates.

Once Citi came along the refunds were also applied for the first few weeks....then all of a sudden stopped completely.

[lickthewallfatboy]

the moderators need to open a "closed" section(if that makes sense) only accessible via password or something to litigants who have cases like this, and mods to discuss the way forward-cos if there was any niggling doubt that citi were watching,I can dispel that for you all!!

[gizmo111]

the moderators need to open a "closed" section(if that makes sense) only accessible via password or something to litigants who have cases like this, and mods to discuss the way forward-cos if there was any niggling doubt that citi were watching,I can dispel that for you all!!

 

is there the facility fora private chat in the chat room

[Tobes]

Well then take note Citibigboys I'm now going after you and I have several nasty little surprises for you up my sleave

[MARTIN3030]

is there the facility fora private chat in the chat room

 

 

yes you can chat in private there

[keren29]

I'm off there now......

[Bru]

Hi LTWFB

 

Glad to be of some assistance today, just sorry the outcome wasn't different.

 

For those reading I can verify that Citi did reveal figures (though I'm very sceptical of these). They are a very secretive bunch who tried to have me thrown out of the court before proceedings began, and even had the usher check my mobile phone in case I was taping.

 

The Judge did state that even though she wasn't an accountant she would accept Citi's breakdown of costs at £12.88 per default. Personally I don't think these costs would stand up to scrutiny..

 

Bru

[jgclark]

hi - i'm a newbie - i've received my old statements and i'm just sending out my letters before action. the arguments lickthewallfatboy's used are the same that we're all using - if a court has rejected the arguments we need to reconsider the strategy not keep advice behind a password until we've launched our monyeclaim, when it's too late to change tack! mods - please don't go offline because this group is the only resource most of us have. why have they defended this claim when all the others have been refunded?

[Bru]

I think they defended in Northern Ireland because its a very small part of their business in the Uk. If they had lost the could have used the argument that the NI and English legal systems are different.

 

 

Bru

[jgclark]

I think they defended in Northern Ireland because its a very small part of their business in the Uk. If they had lost the could have used the argument that the NI and English legal systems are different.

 

 

Bru

 

i thought the law about unfair contract terms etc, applied across the uk? god i wish i knew what i was doing!

[Bru]

I agree with you jgclark,

but its the only conceivable reason I can come up wuth for them sending the financial controller over here to fight the case.

 

Bru

[jgclark]

it seems odd for them go to all that trouble - was it just the NI solicitor and the financial controller? my fear is that may be the banks have decided to start defending claims in court. i know a letter before action doesn't commit me to anythign but i don't want to launch a moneyclaim unless i know their going to cave in.

[andrew1]

It was always on the cards that they would throw the big guns at a claim which might not bring the big attention. It's a pity nobody saw this coming. Set a precident in a small area where there was unlikely to be strong back up. Is there any process of appeal? How does this affect everyone else applying to Citi as I have a claim against them, so far at usual fob off stage.

[lickthewallfatboy]

It was always on the cards that they would throw the big guns at a claim which might not bring the big attention. It's a pity nobody saw this coming. Set a precident in a small area where there was unlikely to be strong back up. Is there any process of appeal? How does this affect everyone else applying to Citi as I have a claim against them, so far at usual fob off stage.

 

fortunately for everyone,small claims court cannot set legal precedent,and CITI know this.I think they were testing the water with a trial run,and hopefully a strategy will be developed to defend it.

 

If anything good comes from this,it will be that others will be forewarned and forearmed......you can bet wheels are turning as we speak......

[Bookworm]

It was always on the cards that they would throw the big guns at a claim which might not bring the big attention. It's a pity nobody saw this coming. Set a precident in a small area where there was unlikely to be strong back up. Is there any process of appeal? How does this affect everyone else applying to Citi as I have a claim against them, so far at usual fob off stage.

 

1 - There is no precedent set.

 

2 - Before everyone gets carried away, can we remember that LTWFB did not actually LOSE here? He did not get the totality of his charges back, which is a different matter altogether, and from what I can see, the judge did not comment on the penalty charges argument. The way I read it, she saw they had made an offer of £12 repayment, took for granted that the OFT had said that £12 was an acceptable amount, done and dusted, that's it.

 

Were any costs awarded one way or another, LTWFB?

[lickthewallfatboy]

no,Bookworm

 

as I said in the chatroom,the judge couldn't wait to leave the courtroom....pressing engagment,like tea and cake or something,I suppose....

[Bru]

In all fairness LTWFB,

as an observer in the court, I think the judge was trying to find a way to give you a judgement in your favour. But as Citi had already changed their terms and conditions to reflect the OFT statement, she had no choice but to come to the decision she did.

 

Bookworm is 100% correct. You never lost anything today, and you have had your charges reduced from the original £25 to £12....

 

NOT A BAD RESULT IN MY BOOK....

 

Bru

[MARTIN3030]

There is still some confusion as to why they are entitled to take the 12.00 across the whole period tho........how can 12.00 have been a fair price in 2001 ?

would probably be worth 7.00 then ?

[keren29]

oh, blimey, don't give them any ideas Martin!!! :o

[lickthewallfatboy]

In all fairness LTWFB,

as an observer in the court, I think the judge was trying to find a way to give you a judgement in your favour. But as Citi had already changed their terms and conditions to reflect the OFT statement, she had no choice but to come to the decision she did.

 

Bookworm is 100% correct. You never lost anything today, and you have had your charges reduced from the original £25 to £12....

 

NOT A BAD RESULT IN MY BOOK....

 

Bru

 

just feeling tired and grumpy Bru-and more than a bit cynical about the way she accepted that breakdown at face value.But we're all wise in hindsight.....

[Mike220359]

Unlucky LTW, the thing is like everything we do on here (and I know that this is realy patronising) we all are learning things, like asking for the break down of how the charges are levied before they enter the courtroom and asking an accountant to varify thier accuracy, lord knows there's enough of us on here to establish circles of knowledge without the men in black using the place to formulate their own strategy. I've been in educated circles long enough to realise that degree education does not equate with common sense, the fact is that this 'bloody good website' is a wealth of knowledge that they can can harvest to make their work alot easier and establish a reputation. The thing is the defence they have used can be used by us all to undermine anything they offer. The thing that we need to do is what they do, keep it under our hats, keep it secret and keep it simple.

 

That's why I keep my signature secret, in three months of using this site I have learned so much about statutory law that I've used it to tie the men in black up in knots.

 

I would suggest that we begin to establish secure hubs of knowledge, within which we can talk about things that the men in balck don't have access too.

 

Mods if your reading this I don't know how this can be achieved, but I'm willing to help out big time. I for one are not willing to allow the pain and anguish that I (and my family) have experienced at the hands of these money grabbing bastards to affect other people.

 

Keep your pecker up son. As Alfred Johnstone Fitzhugh Longbottom once said the longest journey started with the first trip.

 

Mike

[morsy]

So Citi Cards have admitted that there cost are £12 odd (if there info is to be belived) and that they have been charging everyone £25 for years. So does this mean citi have admitted they have been profiting from these charges?

 

Why have they not given a refund to all customer then?

Why have they not paid interest on the amounts refunds?

 

They sent me a cheque for the differance between £25 and £12 with there defence but not refunded any interest. My case is not till November.

[gizmo111]

So Citi Cards have admitted that there cost are £12 odd (if there info is to be belived) and that they have been charging everyone £25 for years. So does this mean citi have admitted they have been profiting from these charges?

 

Why have they not given a refund to all customer then?

Why have they not paid interest on the amounts refunds?

 

They sent me a cheque for the differance between £25 and £12 with there defence but not refunded any interest. My case is not till November.

 

If their costs are part of their defence why can't we have access to them and if as the yhave admitted they have been charging penaltys not costs why weren't the whole lot refunded as a penalty is unenforceable in it's entirety.

[gizmo111]

Unlucky LTW, the thing is like everything we do on here (and I know that this is realy patronising) we all are learning things, like asking for the break down of how the charges are levied before they enter the courtroom and asking an accountant to varify thier accuracy, lord knows there's enough of us on here to establish circles of knowledge without the men in black using the place to formulate their own strategy. I've been in educated circles long enough to realise that degree education does not equate with common sense, the fact is that this 'bloody good website' is a wealth of knowledge that they can can harvest to make their work alot easier and establish a reputation. The thing is the defence they have used can be used by us all to undermine anything they offer. The thing that we need to do is what they do, keep it under our hats, keep it secret and keep it simple.

 

That's why I keep my signature secret, in three months of using this site I have learned so much about statutory law that I've used it to tie the men in black up in knots.

 

I would suggest that we begin to establish secure hubs of knowledge, within which we can talk about things that the men in balck don't have access too.

 

Mods if your reading this I don't know how this can be achieved, but I'm willing to help out big time. I for one are not willing to allow the pain and anguish that I (and my family) have experienced at the hands of these money grabbing bastards to affect other people.

 

Keep your pecker up son. As Alfred Johnstone Fitzhugh Longbottom once said the longest journey started with the first trip.

 

Mike

 

I would help if there was some way of acheiving this also