Niddy vs Opus (ex CitiCard)

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Would love to mate but the problem is I'm struggling to work out exactly what I can sue em For?

[pompeyfaith]

Re: Niddy vs Opus (ex CitiCard)

Niddy,

I think it is time to hit them where it hurts m8.

[Deepie]

Re: Niddy vs Opus (ex CitiCard)

I feel sorry for them..........NOT

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Well this gets better!

Opus defaulted me - after already admitting fault and agreeing to removal of all late entries. Being aug/sep & oct were all showing up to date it surprised me more that they shunted everything back so they became 4/5/6 respectively thus in November I got defaulted!

To make it funnier, I've never had a pre default notice nor an actual dn itself.

All I can say is ooooop's!!

I told the FOS adjudicator who agreed this was a shock and she's investigating why.... I said I may take legal action now prior to acceptance of a final offer by FOS. So dilemmas for el niddio at the mo......

I may just go down the route but am conscious of ruining my credit file that's only got 24 defaults that aren't mine, an iva and shit loads of dca debt searches! But it's not all bad; I'm gonna look into legal action after 6 years are up when they think they're in the clear cos I've got letters from each company confirming they'll remove it (which they did) as they're happy it ain't my debt - so why the fook is all there again 2yrs later??

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

The letter of appology could be worth asking for

Ask for it to be tattooed on the CEO's buttocks and haggle downwards?

[Numpty Monkey]

Re: Niddy vs Opus (ex CitiCard)

Maybe approach this in the same way as you would tell us to do with a Full & Final Settlement. The £250 is the FOS opening offer but their technical note says they award up to £300 for "modest" compensation. You don't strike me as being modest so I think you should go for the maximum award of £999 for 'substantial' compensation and a written apology. Because you're worth it

Funny.

I'm happy with this really, it's an easy way to sort it and get rid of it but does go against what I stand for somewhat!

Hmmm, I could just say bollocks and not pay anything - as it's citi I'm assured opus cannot comply with my cca request anyway but still - never done this on a live niddy account before lol so am confused!!

See it happens to the best of them!

If you're happy with the settlement take it

Why go down the same road as them, dragging it out trying to squeeze every last penny (that you might not get).
The letter of appology could be worth asking for

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

If you get stuck give me a shout.........:niddy

Thanks mate, these forums are such a relief and offer some great insight - I'd be lost without the help and support from you guys.

[Deepie]

Re: Niddy vs Opus (ex CitiCard)

Funny.

I'm happy with this really, it's an easy way to sort it and get rid of it but does go against what I stand for somewhat!

Hmmm, I could just say bollocks and not pay anything - as it's citi I'm assured opus cannot comply with my cca request anyway but still - never done this on a live niddy account before lol so am confused!!

See it happens to the best of them!

If you get stuck give me a shout.........:niddy

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

If you pay nothing though mate just think of the damage it will do to your credit file....

What, now the old incorrect link is back with only 27 defaults? Yea, cos I am a good credit risk -

* However that said I do seem to get the credit I apply for, oddly - just opened a second HBOS current account the other day so now have two new full accounts, after thinking HSBC had screwed me from ever getting another....

[swanfan]

Re: Niddy vs Opus (ex CitiCard)

Hmmm, I could just say bollocks and not pay anything - as it's citi I'm assured opus cannot comply with my cca request anyway but still - never done this on a live niddy account before lol so am confused!!

If you pay nothing though mate just think of the damage it will do to your credit file....

[PlanB]

Re: Niddy vs Opus (ex CitiCard)

Maybe approach this in the same way as you would tell us to do with a Full & Final Settlement. The £250 is the FOS opening offer but their technical note says they award up to £300 for "modest" compensation. You don't strike me as being modest so I think you should go for the maximum award of £999 for 'substantial' compensation and a written apology. Because you're worth it

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Funny.

I'm happy with this really, it's an easy way to sort it and get rid of it but does go against what I stand for somewhat!

Hmmm, I could just say bollocks and not pay anything - as it's citi I'm assured opus cannot comply with my cca request anyway but still - never done this on a live niddy account before lol so am confused!!

See it happens to the best of them!

[PlanB]

Re: Niddy vs Opus (ex CitiCard)

Can I buy one year of your precious time and energy for £250 please? Fine they've put you back to where you were in November 2010 before their cock-up. Big deal. Given the choice I bet you'd rather the fiasco had never happened in the first place. I want you to have a Big Fat Apology from the CEO of Opus in writing which you can post on this website so we can all have a jolly good laugh at him. A sort of modern day version of the stocks

And then I want Mrs Niddy to be sent a whopping great bunch of flowers by Opus to say sorry she's had to listen to you banging on about this nightmare week after week for a year when she'd rather be watching The X Factor. And what about compensation for the risk to your professional reputation? I mean the Mail on Sunday would have had a field day with a story on the champion of debtors and consumers who has screwed up his own finances (allegedly). You can't put the bloody clock back - not for just a measly £250 anyway That wouldn't even buy your ticket to Cuba next March.

Find out what the CEO of Opus would charge for a year of his time spent sorting out this type of problem - and then say you'll settle for the same amount.

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Yea, I am also thinking I want something in my hand for their balls-up.

I'll think about it longer eh?

[oscar]

Re: Niddy vs Opus (ex CitiCard)

Seems to have been a long, drawn out process, but (as with PPI) they have put you back into the position you would have originally ben in - the £250 compo discounted of course.

You have essentially got the result you were after, but it shouldnt have taken this length of time, and really should have been done and dusted within 4-6 weeks of your original letter.

Hope (but dont expect) they learn lessons from this.