Niddy vs Opus (ex CitiCard)

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

I know Niddy I'm done with Fos, but I do find it strange on principle that when Opus asked FOS of a extention they asked you if it's Ok, when I asked Fos for an extention the guy from FOS wouldn't even ask the bank!!!

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!

[mgfboy]

Re: Niddy vs Opus (ex CitiCard)

FOS and Opus requested extension so I've agreed until 21st August.

I know Niddy I'm done with Fos, but I do find it strange on principle that when Opus asked FOS of a extention they asked you if it's Ok, when I asked Fos for an extention the guy from FOS wouldn't even ask the bank!!!

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

FOS and Opus requested extension so I've agreed until 21st August.

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

I did point out on one letter that I ran a consumer debt forum, and put this link here - yes.

Obviously not, as the only clue was given by Niddy in writing - link - and it seems the semi-intellectual (IQ>75) they employ to read customers' letters has been off work for some months.

That'll be the one mate - thanks

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

As per the FOS's official view.....

Perhaps, as a team-bonding exercise, the Fundamentally Ornamental Service could actually try running a piss up in a brewery?

[CleverClogs (RIP)]

Re: Niddy vs Opus (ex CitiCard)

Do Opus actually know who you are? I mean do they know about your All About Debt website?

Obviously not, as the only clue was given by Niddy in writing - link - and it seems the semi-intellectual (IQ>75) they employ to read customers' letters has been off work for some months.

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Mate any communication would be suffice, it's the silence that is most annoying here......

[pompeyfaith]

Re: Niddy vs Opus (ex CitiCard)

I am a nasty bastard, that is what this is about. Fighting for you guys is fun, when it's myself it really irks me so I go for the jugular from outset - I lead them into mistakes then use those mistakes against them.....

My kind of man hehe this is exactly what I did with the co-op challenged every detail in the letters they sent me then sit back and watch them dig a bigger hole.

It does not take a lot neither purely because of there lack of inter-departmental communication.

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

As per the FOS's official view.....

Dear Mr Niddy

Thanks for this information. I had not heard that Opus was being sold
again.

Yours sincerely,

XXXXXXXX
Adjudicator

-----Original Message-----
From: Webmaster [webmaster@all-about-debt.co.uk"]
Sent: 02 August 2011 12:33
To: FOS
Subject: Opus - Niddy

Hi FOS

Seen this:---> http://www.opuscard.co.uk/content.aspx?dsid=634

Opus are selling up AGAIN!!

It's a joke.....

Regards

Niddy

[pompeyfaith]

Re: Niddy vs Opus (ex CitiCard)

Oh my lord now I wonder why they have changed name lol........ HMRC maybe?

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Do Opus actually know who you are? I mean do they know about your All About Debt website? Could this be a case of "we know where you live" stuff? I'd like to think their attitude is simply total ineptitude but sometimes there are dark forces at work. Good, because you will certainly give them a run for their money (not your money mind you).

I did point out on one letter that I ran a consumer debt forum, and put this link here - yes. However I doubt they'd want to deliberately fight me as it was a lose/lose for them from day 1 - all this is doing is highlighting their inability to conduct business in accordance with their consumer credit licence thus the formal complains seeking resolution over future conduct will be dealt with upon FOS resolution. There is a process to follow, one step at a time - this is just the start for me..... I have a long way to go with this yet, as I have maintained - it's not about the money, Jesus I lost £250 on red (roulette) a month ago - it's hardly gonna break my bank

I am a nasty bastard, that is what this is about. Fighting for you guys is fun, when it's myself it really irks me so I go for the jugular from outset - I lead them into mistakes then use those mistakes against them.....

[PlanB]

Re: Niddy vs Opus (ex CitiCard)

Do Opus actually know who you are? I mean do they know about your All About Debt website? Could this be a case of "we know where you live" stuff? I'd like to think their attitude is simply total ineptitude but sometimes there are dark forces at work. Good, because you will certainly give them a run for their money (not your money mind you).

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Hi Niddy,
I also have a case with the FOS, as they have decided in your favour and opus are still being tossers, does the FOS stand for FULL OF SHYTE?
good luck
Helmsman

Its the typical 21 day waiting period I'm afraid mate - I am just waiting to see what HBOS come back with now.....

[helmsman]

Re: Niddy vs Opus (ex CitiCard)

Update 03 August 2011

Seems they want to default me - even though the FOS have decided in my favour!

[ATTACH]1456[/ATTACH]

Hi Niddy,
I also have a case with the FOS, as they have decided in your favour and opus are still being tossers, does the FOS stand for FULL OF SHYTE?
good luck
Helmsman

[Never-In-Doubt]

Re: Niddy vs Opus (ex CitiCard)

Update 03 August 2011

Seems they want to default me - even though the FOS have decided in my favour!