Niddy vs Opus (ex CitiCard)

[Susie]

Re: Niddy vs Opus (ex CitiCard)

I think you have done well to get all that you asked for, ok they are "only" giving you £250 but considering the other things they have had to agree to its a VERY good result

[Never-In-Doubt]

Final update - October 2011

Final update - October 2011

Lots been happening behind the scenes here, however they have now made an offer that I am happy with as follows:

• Refund all interest and charges on the account (less the amount already refunded) equating to 318.67.
  
• Reduce the outstanding balance by a further £250 for distress and inconvenience.
• Remove all markers from Mr Niddy's account (has already been requested).
• Accept a payment of £150 per month by standing order (final payment £22.18) on an interest-free basis to clear the outstanding balance of £1,522.18 (balance after deductions).

* My current balance is around £2,000

So in essence this would offer me the 0% account backdated to the start of my complaint, with only £250 as a compo amount. However overall, it seems fine to me as I did ask for the equivalent of interest only to be removed as their late markers caused me to be rejected for a 0% card to BT to.

Any thoughts....?

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Update - 24th August...

Now that the deadline has passed the file passes out of my hands and the next steps are as follows:
*
1.*** I*will pass the file today to my manager for provisional checking.
*
2.*** The file is then passed to a queue awaiting a senior colleague to check that the file is ready for passing to*an ombudsman.
*
3.*** Once checked and approved,*final letters are issued giving each party 14 days to submit any final information.**
*
4.****Once the 14 days are up, the file is passed to the ombudsman queue.
*
5.****The ombudsman takes the file (taken in chronological order) and either*issues a provisional decision (if he/she feels that the outcome/redress should be amended) or*they issue the*final decision.
*
At present due to the large*volume of cases, there is currently a delay for an ombudsman review of at least four months.* However, as your case as been prioritised,*your case will not take this long.*
*
As you know, the Financial Ombudsman Service is an informal service and therefore an ombudsman will not treat any evidence as inadmissible.* However he/she will bear in mind any delays that the business has caused by delaying or not submitting requested information.*
*
I note your comments that you are not able to provide anything further as you believe that you sent the originals of the requested documents to Opus.
*
Yours sincerely

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Take round a wheelbarrow full of cash!

Oooh arghhh. Good plan

:

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

Not at all - why would I?

I had a live DD on account, paid fine for over 2 years then when they sold up, it stopped - not my problem. I have asked them to set it up properly, they have not done so.

What more can I do?

Take round a wheelbarrow full of cash!

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

And if it goes to court, you expect to be paying £4000?

Not at all - why would I?

I had a live DD on account, paid fine for over 2 years then when they sold up, it stopped - not my problem. I have asked them to set it up properly, they have not done so.

What more can I do?

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

Balance was £1700 but now with their silly charges etc its £2300 or so!

And if it goes to court, you expect to be paying £4000?

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

How much do you still owe them?

Balance was £1700 but now with their silly charges etc its £2300 or so!

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

I demand that Opus reduce my card to a 0% APR for the remainder of term plus look at a 4 figure settlement offer, ie in the region of £1000. ONLY then will I drop this,

How much do you still owe them?

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)



Thanks Mrs B - it's fine, I actually bang my head against the wall, it's easier than getting wound up. The whole thing is a farce, this has just brought it home exactly how much!

[PlanB]

Re: Niddy vs Opus (ex CitiCard)

I'm thinking that email of yours could be reincarnated (not reconstituted mind) into a template letter for all of us experiencing the FOS bending-over-backwards approach to their complaints/sponsors.
But more importantly although I'm an absolute fan of your determined approach to life (and inflicting severe punishment on banks/creditors in particular) I really don't want you to have a heart attack and let us all down in our hour of need (sorry to sound so selfish but hey I've got debts to sort).

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Ok, today is the end of the "Extended Extension" that they were given, which I agreed with the FOS. So.... ping-pong email again:

-----Original Message-----
> > Hi FOS
> >
> > Anything back from HBOS yet? Isnt there "time up" due already?
> >
> > I've also sent in another copy of my HSBC complaint. God knows where
> > the original is.
> >
> > Please advise
> >
> > Thanks
> >
> > Niddy

-----Original Message-----
> > Dear Mr Niddy
> >
> > There is no reply at present. However, the deadline is today so it
> > still has a few more hours to e-mail something over.
> >
> > Yours sincerely,
> >
> > Adjudicator

-----Original Message-----
> Dear Mr Niddy
>
> It seems likely that we will get the file from BOS/Opus but that it will
> be after the file has been moved on to the next stage.
>
> In my e-mail dated 11 August 2011, I asked if you were able to >forward a copy of your annexes and a copy of the letter from Citi in >November 2010 but I cannot see that you have addressed this. >
>
>Please advise.
>
> Yours sincerely,
>
> Adjudicator

-----Original Message-----
Hi FOS

What do you mean? Have they been in touch? Also, this file that you're waiting on - what is it?

Being I have sent copies of letters etc, what can they possibly bring to the fold at this late stage, if anything? I do feel that this clearly goes to show their general lack of diligence when dealing with consumer complaints, as it shows they not only ignore me (ie a customer) but also the Financial Ombudsman - that must assist in your overall decision? I mean it is a joke, truly - it's a joke.

As for the next stage, what is the next stage exactly? Can you please advise what happens now? I am sorry but this is now it, the Ombudsman cannot realistically allow more time and anything they submit after a second deadline has passed should be struck off as inadmissible - I will, if necessary seek legal clarity against the FOS in this regard - that is how strong I feel about it. My point being, where do you draw the line? They have proven that they couldn't care less about customer service or the Ombudsman so why keep allowing them time? Surely you can now see for yourselves how they behave on a daily basis, ie it is not isolated, there are still several late entries registered despite being promised months ago that they'd be removed and they still have not answered my last letter to them.

When do we say enough is enough exactly? I am not having a pop at you but please, see my frustration here - If I behaved in this manner then yes, I can understand the bank acting the way they did but all they've done is drag this out from something that could and should have been dealt with over 8 months ago, into a never ending saga of pain for me. I cannot get any new credit right now, and you wonder why? I am utterly dismayed at the way I have been treated.

I sincerely expect the FOS to back me when I demand that Opus reduce my card to a 0% APR for the remainder of term plus look at a 4 figure settlement offer, ie in the region of £1000. ONLY then will I drop this, as right now not only do I have them for various regulatory breaches but also for libel/defamation/slander whichever you prefer. The consequential damages alone, in the fact I cannot obtain any credit right now as a result of their late payment markers, should be enough to satisfy my anger. In essence, If I take this legal, then I would be seeking total write off of balance plus damages equal to £4,000 in respect of the libellous data being handed out to the third party credit agency with whom never had any authority from me, for Opus, to share data with in the first place.

Unfortunately all the paperwork I have has been copied, I must have sent the original to Opus within one of my previous complaints, by accident. I am sure they will have a copy though, being they did purchase all files from Citi and declared not thrown paperwork away...

Thanks. I Look forward to your response

[mgfboy]

Re: Niddy vs Opus (ex CitiCard)

Ahh but that is your fault (no offence mate, you know what I mean) cos on the back of every statement they declare their account numbers......

With mine the main difference was I was paying as normal, then they sold up to Opus (ie Citi did) and then Opus never took any DD payments - nothing in any of that is my fault - it is totally theirs, 100% thus the FOS had to award in my favour, clear cut case.

I agree with you apart from one fact they closed the accounts and moved them on to new account no's and sort codes and still to this day haven't provided us with a statement. But we get off the point I hope FOS shafts Opus with everything they have

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Fair enough Niddy I miss read the posting, as for why banks dontcollect ddi's . In my current case HSBC refused to give us payment details or set up a DDI and then complained that we hadn't paid them anything!!!!

Ahh but that is your fault (no offence mate, you know what I mean) cos on the back of every statement they declare their account numbers......

With mine the main difference was I was paying as normal, then they sold up to Opus (ie Citi did) and then Opus never took any DD payments - nothing in any of that is my fault - it is totally theirs, 100% thus the FOS had to award in my favour, clear cut case.

[mgfboy]

Re: Niddy vs Opus (ex CitiCard)

They never asked me if it was ok, they told me they'd given it and I threatened legal action (yea I threatened the FOS with action) in line with CPR etc based on the fact they had no sound legal backing in which to authorise such a delay. As the FOS explained, that my refusal to grant an extension, by my refusing all it'd do is delay things longer as when it goes to the actual Ombudsman they would automatically request a response from Opus; ergo to grant a 1 week extension now is the right thing to do because when I do refer it to the Ombudsman, they will have Opus's reply so can assess it quicker.

I have already rejected the offer based on the fact they are using the wrong amounts, I want the middle to higher rate compo not the lesser on (ie less than £300) bearing in mind the hassle and late payment markers/refusals etc lately.

I am looking at between £1,000 - £2,000 in distress plus any financial consequential losses as a result of them posting inaccurate and illegal data about me via a third party, ie the CRA.

My payments are not in arrears, as I have a valid DD in place and always have, just the bank do not take the payments - why? Well ask them, is what I told the FOS!

Fair enough Niddy I miss read the posting, as for why banks dontcollect ddi's . In my current case HSBC refused to give us payment details or set up a DDI and then complained that we hadn't paid them anything!!!!