CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

[Bill-K]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Nifty input AC - thanks. I have always been unsure about the 'Without Prejudice' header. Whenever I get one, I instantly suspect that the other party has stuff to hide - and thus is guilty of something. BUT - I believe that the originator ('author') of a 'Without Prejudice' letter retains the option to change its' status to 'Within Judice' if they so wish. Basically, they retain the right to 'spill the beans' if they so desire.

But I am mightily impressed by the clever wording you suggest, and that is worth its' weight in gold, IMHO. It seems to carry weight. Clout - even.

Pedantics, now, but the DSAR has often been reduced to 'SAR.' My understanding of the term 'Data Subject' is as you have stated. The DSAR - 'Data Subject Access Request' is then a Request - by the Data Subject - for Access to the Data that is held by the Data Controller on that particular Data Subject.

I have to admit that I do prefer the DSIR mnemonic, though - it seems to make more sense. But the currency here is cold hard Data - not Information. Having said that - I need to Google the difference 'twixt the two !!!

[Angry Cat]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Some firms refer to a request under section 7 of the DPA, as a Subject Access Request (SAR).

Other firms e.g. Egg refer to a DSIR:
http://www.egg.com/visitor/0,,3_1006...w_2115,00.html

The term SAR, would appear to be more current.

[millymollymoo]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Excellent stuff from Paul, I reckon.

I see Paul recommends that you negotiate with Cabot, as they are the current 'owners' of the debt - but I think you may still need to get your DSAR data from Citi, and probably your CCA agreement copy, too, as it is Citi who are in breach of the DPA & CCA, I believe.

If you want to get the debt completely written off, then it looks like you would have to convince Cabot that they have no chance of pursuing it, and/or that you have every chance of winning the PPI and penalties claims with contractual interest (at 50% of the contractual rate). If you do this, though, then there is nothing for Cabot to negotiate - so they will probably be very unco-operative.

As Paul says, we need to offer them something they can walk away with, so I guess you need to decide how much to start with. I don't know how much they would need in order to break even on the purchase of the debt, but maybe you could start the ball-game with £500, and expect them to ask for more.

I'll send you some spreadies with the different interest rates shown - and if you need me to explain the calculations, then I'll be glad to, of course, Milly.

Hi Bill regarding the SAR they are in breach now four years on the SAR! They cashed a cheque 30 March 2007!!! Still have the bank statements and cheque no as proof, my siganture was on the cheque! Do not see why he should pay £10 again.

Milly X

[Angry Cat]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Hi Bill regarding the SAR they are in breach now four years on the SAR! They cashed a cheque 30 March 2007!!! Still have the bank statements and cheque no as proof, my siganture was on the cheque! Do not see why he should pay £10 again.

Milly X

Did you send them a reminder, after the 40 days had elapsed?

[millymollymoo]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Okay I have decided to still go down the route of claiming Compound interest on the claims as per Sempra Metals

I am reducing the claim to the applied interest rate at the time being 14.9 % (so quite a lot lower but fair)

Bill could I ask if the spreadies could be sent as I think I accidentally deleted some messages I am so grateful for your help here

Here is a letter I posted the other day which is a reply to the Charges/Letter before Action. I have changed it to take into account the Sempra Case and extra concerning the £12 charge they feel is fair and arguments against.

Please take a look. I would like to get this off asap to Citicard.

By the way received a letter yesterday from Cabot returning the £1 fee, however saying they will contact lender for CCA.







Milly Xx

[millymollymoo]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Is the letter okay or does anythinh need changing?


Milly X

[Bill-K]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

I sent the spreadies via email, Milly, as I can't send them by PM here. I'll re-send them with the lower interest rate you have quoted- no problemo.

Nice reference to Sempra, BTW, but I hope someone more learnéd than I can check your letter. AC maybe ?

[millymollymoo]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Hi Bill I would be very greatful if you could send them

Hope Angry Cat doesn't ming me PM'ing her as i would like to get my letter off.


Milly X

[Paul210]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

hi milly, had a quick look at the letter and it should do the job you are looking for, not sure how well the Sempra reference would hold up if scruitinised as the 8% simple rate for statutory interest is laid down in statute (s.69 country courts act 1984) however it shows your not afraid to do your homework and play them at their own game so is still usefull to include.

I'd go with that and see what they come back with.

Hope you get the result your after...

[Angry Cat]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Is the letter okay or does anythinh need changing?


Milly X

There were a few typos, of which I have corrected:beagle:

[lifeisagift017]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Hiya new to this site i actually know someone who works for Cabot so if you need any questions answered i might be able to help his helped me out no end with them and others!

[Bill-K]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Hi LifeIsAGift, you may well be able to make some helpful contributions here. Many thanks.

[lifeisagift017]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

I know someone that works there like i said if anyone wants to talk to him ill give u some details?!?

[di30]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Hi hun

Sorry I have not kept up on this one, but can see it all going smoothly here with the help of the amazing guys etc.
Good one, and wishing you lots of luck. X

[millymollymoo]

Re: CITICARD PPI/ PENALTY CHARGES and CABOT TOO!!!

Many thanks for your help AC with checking my letter
Also to you Bill for them spreadies xxxxxx
What would I do without peeps like you. Xxxxx
------------------------------- merged -------------------------------

hi milly, had a quick look at the letter and it should do the job you are looking for, not sure how well the Sempra reference would hold up if scruitinised as the 8% simple rate for statutory interest is laid down in statute (s.69 country courts act 1984) however it shows your not afraid to do your homework and play them at their own game so is still usefull to include.

I'd go with that and see what they come back with.

Hope you get the result your after...

Thanks Paul