Niddy vs Opus (ex CitiCard)

[oscar]

Re: Niddy vs Opus (ex CitiCard)

No problem... is from 2001 so more than likely something wrong. Will get CCA sent off as they have been less than helpful and start a new thread when arrives.

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Apologies for jumping on thread, but I wanted to ask about something said above re fixed and running credit and the unilateral change to the agreement. Would this apply to the old Cahoot flexi loan (a running agreement) which has been changed to repayment only?

Start a new thread mate - yes, it would apply the same as these were fixed sum running agreements kinda like a regulated overdraft which falls between s.77 & s.78 - so really hard to distinguish.

However i'd not look into the point you mention too much; i'd presume being the type of agreement that it is, there will be fault with it and also it may be incorrectly regulated - some of the old barclays reserve style things are!

[oscar]

Re: Niddy vs Opus (ex CitiCard)

Apologies for jumping on thread, but I wanted to ask about something said above re fixed and running credit and the unilateral change to the agreement. Would this apply to the old Cahoot flexi loan (a running agreement) which has been changed to repayment only?

Anyone??

[oscar]

Re: Niddy vs Opus (ex CitiCard)

Apologies for jumping on thread, but I wanted to ask about something said above re fixed and running credit and the unilateral change to the agreement. Would this apply to the old Cahoot flexi loan (a running agreement) which has been changed to repayment only?

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Have you sent them a request for the agreement (under either s 77 or s78) with also a request for any/all other relevant documents and a statement of account?

Another point that may be worth considering is whether, by purporting to have made the account "repayment only", those numpties have varied a running credit account into a fixed credit or loan account to which more stringent requirements exist with regard to statements of account, etc..

Hi

Nope, never done a CCA Request as I have the original agreement

However in that it does say APR 15.9 and their statement that they sent me shows 17.9% so I've also got em with that - you know what, i'm just not gonna pay em - sod it. Let them default me, am I bothered?

I am too bust fighting for other people to worry about a grand on one card! Plus i'm playing silly beggars with HSBC (seen that thread yet)?

Thanks though, you've given me food for thought

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

I never picked up on this - damn good point. So in essence they cannot enforce this in court, assuming I cease repayments (which evidently I have as i'm 4 payments late on a £0 balance/£1k balance) lol

I dunno myself cos i've not had a statement since last October

Have you sent them a request for the agreement (under either s 77 or s78) with also a request for any/all other relevant documents and a statement of account?

Another point that may be worth considering is whether, by purporting to have made the account "repayment only", those numpties have varied a running credit account into a fixed credit or loan account to which more stringent requirements exist with regard to statements of account, etc..

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Did the original agreement allow the account to be made into a "repayment only" account and, if not, why do those twerps think that they may unilaterally vary an agreement without your consent?

I never picked up on this - damn good point. So in essence they cannot enforce this in court, assuming I cease repayments (which evidently I have as i'm 4 payments late on a £0 balance/£1k balance) lol

I dunno myself cos i've not had a statement since last October

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

Nooo, it has £1k on the card or summat like that.... that sometimes comes and goes mind!

So they are not exempt from the legal obligation to issue statements of account, under either section 77 or section 78 of the Consumer Credit Act 1974.

Did the original agreement allow the account to be made into a "repayment only" account and, if not, why do those twerps think that they may unilaterally vary an agreement without your consent?

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

How much do those scrapie-infested mutton-heads allege you owe?

In post #15 - link - the report shews a credit limit of £2000, yet a statement balance of £0.

How is it possible to owe nothing and yet still be in arrears?

Nooo, it has £1k on the card or summat like that.... that sometimes comes and goes mind!

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

Mick say what you want mate!! We dont moderate posts nor do we block swearing to be in debt means you should be over 18, ergo we treat you like adults

Seen our smileys yet?

This is the dca special

Is that because it never produces anything?

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

I've just had an Equifax alert!!

Seems opus have now marked me 4 (yes four) months in arrears!!!

How much do those scrapie-infested mutton-heads allege you owe?

In post #15 - link - the report shews a credit limit of £2000, yet a statement balance of £0.

How is it possible to owe nothing and yet still be in arrears?

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

Well what a complete & utter screw up by Opus.

And i thought i'd dealt with some total morons in the banking industry, are they really so thick?

Perhaps they are not complete morons, in that they have much of their cerebral cortex missing?

One might have hoped, however, that the complaint would have been passed along to be handled by someone less evidently lissencephalic.

[CleverClogs (RIP)]

Re: 12.05.2011 - Opus reply to my letter of 06.05.2011

[FONT=Verdana][SIZE=2]12.05.2011 - Opus reply to my letter of 06.05.2011

Again making the same derisory offer of £25 compensation, which would be inadequate even if they were the Bank of Toyland.

Did you use it as loo paper?

[nanna58]

Re: Niddy vs Opus (ex CitiCard)

way to go Nid , this just goes to show what we already know

[pompeyfaith]

Re: Niddy vs Opus (ex CitiCard)

Yup this one is dripping with juices