citi cards letter

karl_.c

• hi i got this letter today from citi cards will i be able to claim from preach of cca if you can help. many thaks karl cooke
  
  
  
  Citi Cards
  
  CitiFinancial Europe pic
  
  
  PO Box 49920
  
  
  London
  
  
  SE5 7ZF
  
  .I..HI.I.
  June 2009 Dear Mr Cooke,
  We are writing to you because you held a Citi issued card between 21 March 2006 and
  2 December 2008. Although your account is closed the following information relates tothe terms
  and conditions you were given for this card.
  In our credit card terms and conditions, clause 24.8 erroneously excluded our liability for claims on transactions made abroad under section 75 of the Consumer Credit Act 1974. That section gives you the right to make a claim against us for any misrepresentation or breach of contract by the supplier relating to goods and services purchased using your credit card (where the price of the item supplied was between £100 and £30,000, including any VAT).
  The Court of Appeal ruled on 22 March 2006 that section 75 applies to transactions abroad as well as in the UK. We have not been relying on clause 24.8 since the date of the decision, but if you think you have a possible claim against us in relation to a transaction conducted abroad and have been put off making that claim by clause 24.8, please contact Card Services on 0870 908 6000A.

never-in-doubt

karl_.c wrote: »

• hi i got this letter today from citi cards will i be able to claim from preach of cca if you can help. many thaks karl

Hi Karl

Delete all your personal info - ASAP!

starM

Any idea how long banks can keep information on there computer when the account is closed - current and credit cards both?

MS

never-in-doubt

starM wrote: »

Any idea how long banks can keep information on there computer when the account is closed - current and credit cards both?

MS

Start your own thread! 6yrs is what the government state (HMRC) but otherwise they can keep it for as long as is necessary. No set timeframe.

andy2726

I have had the same letter through this morning, is this above board or a hoax?

PeterPeartree

karl_.c wrote: »

• hi i got this letter today from citi cards will i be able to claim from preach of cca if you can help. many thaks karl cooke
  
  
  
  Citi Cards
  
  CitiFinancial Europe pic
  
  
  PO Box 49920
  
  
  London
  
  
  SE5 7ZF
  
  .I..HI.I.
  June 2009 Dear Mr Cooke,
  We are writing to you because you held a Citi issued card between 21 March 2006 and
  2 December 2008. Although your account is closed the following information relates tothe terms
  and conditions you were given for this card.
  In our credit card terms and conditions, clause 24.8 erroneously excluded our liability for claims on transactions made abroad under section 75 of the Consumer Credit Act 1974. That section gives you the right to make a claim against us for any misrepresentation or breach of contract by the supplier relating to goods and services purchased using your credit card (where the price of the item supplied was between £100 and £30,000, including any VAT).
  The Court of Appeal ruled on 22 March 2006 that section 75 applies to transactions abroad as well as in the UK. We have not been relying on clause 24.8 since the date of the decision, but if you think you have a possible claim against us in relation to a transaction conducted abroad and have been put off making that claim by clause 24.8, please contact Card Services on 0870 908 6000A.

Hi Karl .C

I received the second of these today in the post. I get the feeling that I could lose out if I don't do anything (they're pretty non-specific which makes me think that they've really made a Boo Boo) and yet I don't even know what to look for - even if I did keep my statments!

Eydon

All they are saying (if I'm reading this right), is that following the court ruling, they now acknowledge that Section 75 applies to overseas transactions as well as UK transactions.

So, if you made a purchase from an overseas company for over £100, and it went wrong (goods didn't turn up, were faulty and they wouldn't refund etc etc) then you have the same rights as you would have had if the purchase had been made from a UK company (ie the credit card company are equally liable).

So the only action you need to take is if you made a purchase from an overseas company, using your Citi card to pay some of the cost, and the purchase price was over £100, and there was a problem, then you can submit a claim to Citi for the cost of the goods.

Other than that - file it.