If you've sent Citibank a SARN and they've not replied sue them ! Two SARNs served by recorded delivery, not replied to, then serve proceedings on them claiming for Distress. You'll have to fund the fight (around £2.5K in my case), but they have violated an act of parliament and you will get damages (not much but depending on the damage or distress you can prove) and your costs back ! Forget their games start to hurt these institution at the cash end !(posted 8204 days ago)