CitiFinancial

kb8376

I had a loan with them i have bank statements and creditexpert details showing the loan but they say they cannot find any record and that they cannot progress the case further. What should i do?

di3004

kb8376 wrote: »

I had a loan with them i have bank statements and creditexpert details showing the loan but they say they cannot find any record and that they cannot progress the case further. What should i do?

Hi there

How long ago did you take this loan out?

And did you also requet for a Subject access Request (SAR) where they must comply and send you all they hold on the account by 40 calendar days with a payment to enclose with this request of £10 cheque or postal order payment.

More on the SAR here - template letter:
https://forums.moneysavingexpert.com/discussion/1475553

I take it that the loan was also sold and set up by Citi Financial too?

hillsarealive

hi i took a loan out with citi approx 3/4 years ago with a citi iam presently trying to get all info from them they sent me a ltetter saying that as the loan was paid in full they couldnt help under agreement of 1977 section ? still trying to persue them

will keep in touch asap

di3004

hillsarealive wrote: »

hi i took a loan out with citi approx 3/4 years ago with a citi iam presently trying to get all info from them they sent me a ltetter saying that as the loan was paid in full they couldnt help under agreement of 1977 section ? still trying to persue them

will keep in touch asap

Hi there

With a SAR, they "must" comply also with a payment you enclose and send all they still hold on you.
The SAR normally they send for the last 6 years, sometimes from even earlier years.
Any problems then you can contact the Information Commissioners office (ICO), they will let you know your rights.....#
https://www.ico.gov.uk/Global/contact_us.aspx

Keep at them, good luck.;)

kb8376

Just an update but after arguing the point with Citi i decided that i would save myself the 10 for a SAR and forward to FOS. Got a reply that Citi have agreed to refund in full.

Thanks to all who replied and to all who are about to try dont give in.

amersall

:j:j Well done to you :money::T:T:T