Claiming back interest charges.

mm2000

Over a year ago I made a Settlemet offer to Citi Card.
This was accepted and I asked for a detailed letter of acceptance from them where by they nor any third parties on their behalf would ask for more money after the settlement. I also stated that my next payment would be included in the settlement.
I heard nothing for a month, so wrote to them again urging them to respond quickly. They eventually replied with a letter saying they could not accept my offer.
I wrote back saying they had issued a letter saying they would accept my offer and could they issue a formal letter ASAP.
Again no reply.
I wrote again asking for details of whom I could make a formal complaint. However I received a letter from a Solicitor acting on Citi Cards behalf stating that trying to make them uphold their acceptance would not stand up in a court of law and to make payments immediately.
I wrote a very strong letter back and also made a complaint to the Financial Ombudsman. (FO)
The Financial ombudsman confirmed the solicitors opinion that I would not be able to get a court to enforce the acceptance but found Citi guilty of bad communication and failure to make timely replies to my letters. ( I was awarded £100 compensation).

However Citi Card had added interest to my account for a 6 month period whilst waiting on the FO to deal with my complaint.
What I want to know is can I claim back those interest charges or because I had not made any payments during that period I should just forget about it.

Since recommencing payments in June last year, Citi Card have treated my case as a new agreement, and the amount I have recommenced paying was a 1% balance of the original debt which they had originally repoted as being ongoing without an increase neccessary. Now they want to reveiw my case every 12 months with a view to an increase in payments.
They have just agreed to another 12 months but state that that is the maximum period they can agree too. They seem to have forgotten about the 4-5 years before that.

Anybodies thoughts or tips would be gratefully appreciated, Thanks.

kathfisch

Hi! I'm afraid I can't advise about your problem... it sounds like you've been treated very badly but I don't know exactly where you stand legally. Hopefully someone else will be around later to offer their thoughts.

It might be worth going down to your local CAB branch - they can offer free advice about your rights and might know what you can do.

Best of luck!

mm2000

When I originally had my light bulb moment and went to my local CAB, apart from pointing me in the direction of CCCS, they weren't really much help as they don't have anyone that deals with debt problems.