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  • #76
    Re: Niddy vs Opus (ex CitiCard)

    Are they utterly stupid or just downright arrogant?

    Of course, they now have 21 days to respond to the adjudicator's findings, so there may still be a chance that the FOS will find that nothing wrong was ever done by the poor, innocent BoS.

    Comment

    • #77
      Re: Niddy vs Opus (ex CitiCard)

      Well done Niddy

      Comment

      • #78
        Re: Niddy vs Opus (ex CitiCard)

        Awesome news Niddy.

        Comment

        • #79
          Re: Niddy vs Opus (ex CitiCard)

          Well done Niddy!!!

          If Opus had come onto the forum, then surely they should have realised that you know what you're talking about. Idiots!!
          Let your smile change the world but don't let the world change your smile

          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #80
            Re: Niddy vs Opus (ex CitiCard)

            Today is judgment day. I'll update you when I hear anything...
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #81
              Re: Niddy vs Opus (ex CitiCard)

              Excellent stuff, Niddy!
              Niddified and proud!

              Fought and won the UE battle, thanks to Niddy and this forum...
              SB since 2016. Now have my life back!

              (I used to be MustGetStraight but I've lost a "t")

              Comment

              • #82
                Re: Niddy vs Opus (ex CitiCard)

                Well done Niddy

                Comment

                • #83
                  Re: Niddy vs Opus (ex CitiCard)

                  Originally posted by Never-In-Doubt View Post
                  Today is judgment day. I'll update you when I hear anything...
                  Can't wait
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #84
                    Re: Niddy vs Opus (ex CitiCard)

                    any news?
                    Niddified and proud!

                    Fought and won the UE battle, thanks to Niddy and this forum...
                    SB since 2016. Now have my life back!

                    (I used to be MustGetStraight but I've lost a "t")

                    Comment

                    • #85
                      Re: Niddy vs Opus (ex CitiCard)

                      Ok,

                      Just been chatting the FOS Adjudicator and she seems sound actually! Obviously she has to now allow HBOS the statutory 21 days to respond, but in a nutshell she can see that they have acted unfairly and therefore awarded in my favour, as things stand.

                      However, I did mention that I was also looking for redress at the fact I am unable to BT the balance to a 0% card as a result of their derogatory markers ergo I should not be liable for future interest; alternatively they should seek to redress an element of compensation as way of this failure.

                      That said, who knows what HBOS will come back with....

                      One thing to note, the FOS as a whole can't be blamed for the banks actions, we mustn't forget that they cannot tell a bank to change it's ways, all they can do is remind them to follow the rules therefore whilst we all rant at the FOS not being able to do this and that, we need to remember it is for the FSA to regulate them....

                      As I was saying, I had a good chat with the adjudicator and my opinion has slightly changed somewhat, maybe because I seen for myself that they aren't like the banks at all - far from it in fact! Although she did seem shocked when I asked her about taking back-handers, you know me - cheeky to the core

                      Right, the nitty gritty of this is the FOS have indicated a payment of £250 is in order, something I will dispute - it is nowhere near enough to cover my time, let alone everything considered so whilst the HBOS has until 15th August to respond, I will refuse this settlement offer anyway - regardless.

                      Update to follow in due course, if and when HBOS respond......
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                      Comment

                      • #86
                        Re: Niddy vs Opus (ex CitiCard)

                        Oh deary me.

                        They're selling up again. Jesus

                        ---> Progressive Credit Limited
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                        Comment

                        • #87
                          Re: Niddy vs Opus (ex CitiCard)

                          more owners = less chance of any original paperwork surviving???

                          Comment

                          • #88
                            Re: Niddy vs Opus (ex CitiCard)

                            Nah nah nah - I'm not in debt and want to leave it that way lol

                            I'm not disputing enforceability. I'm meant to be a customer but seems they'd rather lose me; oh well.

                            It's an awful set-up. Citi should be ashamed....
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #89
                              Re: Niddy vs Opus (ex CitiCard)

                              don't be daft, its a bank, they don't know what "ashamed" means...............

                              or "efficient" or "fair" oh I could go on..................

                              Comment

                              • #90
                                Re: Niddy vs Opus (ex CitiCard)

                                Originally posted by Never-In-Doubt View Post
                                Oh deary me.

                                They're selling up again. Jesus

                                ---> Progressive Credit Limited
                                9. Do I need to make any changes to my Direct Debit or existing payment arrangements?

                                No. You do not need to make any changes; your payments will still be collected from your account in accordance with your instruction.


                                Are they sure about the above???

                                Comment

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