CitiCard (merged)

kashie

Hello,

Does anyone know the rate of APR for Citi Cards for years 2001/2002?

Also years 2003/2004?

I have been advised to claim contractual interest instead of just 8%.

Is this advisable and how do I calculate this?

Please help!

hibees1875_2

Hi, i've received a response to a request for 500 pounds credit card charges fromCitiCard who say they are not interested in refunding any charges. They site OFT credit card opinion that 12pounds is fair and that retrospective claims for higher amounts before this was introduced are not valid.

They state that they have successfully defended half a dozen such claims and therefore are not entertaining my claim. Is this true are they successfully defending claims in the courts?? if so, how??

Furthermore, while i'm happy to go to court, does anyone know what my chances of success might be as i reckon CitiCard will try and defend it to the hilt. Or is it just bravado on their behalf?? Anyone who has been successful against CitiCard any advice would be VERY welcome!! Thanks

malcindebt

Citicard have NOT sucessfully defended half a dozen claims- there is one claim in Northern Ireland (Where the law is slightly different), where they used underhand tactics to claim their charges are actualy £12.88, and so were only asked to repay the difference. This case is currently under appeal.

Do not let them bully you, GO FOR IT.

hibees1875_2

Thanks, i did think there was just this one instance (i thought it was scotland though!) i WILL take them on. Many thanks.

cloth_ears_2

hibees1875 wrote: »

Hi, i've received a response to a request for 500 pounds credit card charges fromCitiCard who say they are not interested in refunding any charges. They site OFT credit card opinion that 12pounds is fair and that retrospective claims for higher amounts before this was introduced are not valid.

They state that they have successfully defended half a dozen such claims and therefore are not entertaining my claim. Is this true are they successfully defending claims in the courts?? if so, how??

Furthermore, while i'm happy to go to court, does anyone know what my chances of success might be as i reckon CitiCard will try and defend it to the hilt. Or is it just bravado on their behalf?? Anyone who has been successful against CitiCard any advice would be VERY welcome!! Thanks

Hi
When they responded to me last week they said they had successfully defended 12 claims! don't seem to get their figures the same all the time do they?
Don't believe them!
My LBA has now been sent to them, I will take it to court stage if I have to.
Good luck with yours if you take it to next stage

hibees1875_2

Hi thanks, if you could keep me posted how you get on that would be great.

Before the letter i would have accpeted 50%, but now, i'm determined to fight for the full 100%!!

:money:

cloth_ears_2

hibees1875 wrote: »

Hi thanks, if you could keep me posted how you get on that would be great.

Before the letter i would have accpeted 50%, but now, i'm determined to fight for the full 100%!!

:money:

will keep posting on this thread as to how things go with citicards
so watch this space

Trafficcone

Hi, what address did you use to put your initial claim into Citicards?

cloth_ears_2

FIRST LETTER TO
citi financial europe plc, PO BOX 49920, LONDON SE5 7ZF.
THEN THEY REPLIED FROM THE FOLLOWING ADDRESS TO WHICH I HAVE NOW SENT MY LETTER BEFORE ACTION. I THINK YOU COULD USE THIS ONE INITIALLY
PO BOX 54
SALFORD
MANCHESTER
M5 3BP

servalan

can someone point me in the dirrection of the citi financil thread can't find it . Go their standard letter back saying the charges are just and will satand now cant find any info to take it further with this bank.

Thanks