Citicard / Opus / Cabot Vs The Chippy

[thechippy]

I won't bore you too much with this one, just get you up to speed.

Stopped paying in 2010 and sent cca request to Citi. Had a letter back saying they were unable to find the agreement and therefore the account is unenforceable.
Opus then took over the account. I challenged them to supply an agreement, but all they did was send some current terms.
It went around the houses and Cabot purchased the account.

I sent Cabot the CPUTR 2008 letter asking them if they had the agreement, but no answer forthcoming. I did not hear from them for literally months. They then sent a statement and asked for payment. I challenged them again and received another set of current terms from Opus, along with a recon.

My question is, what now?
Is it time to show my hand and send them a copy of the letter from Citi which categorically states they don't have an agreement?

Thanks again.

[happy_bunny]

Re: Citicard / Opus / Cabot Vs The Chippy

Maybe wait until they get a bit more heavy handed with their threats before playing the trump card.

[Never-In-Doubt]

Re: Citicard / Opus / Cabot Vs The Chippy

I'd wait and see how heavy they actually get. Don't do anything just yet....

[daisy]

Re: Citicard / Opus / Cabot Vs The Chippy

Couldn't agree more, don't do anything. I've played this game with them over an old Citi card for just short of six years, actually eight days to go and have received a letter this morning from fire! They gave up easily on another old one, but refuse to let this go, they are unpredictable, but unless they threaten court action, just keep asking to see the agreement and don't give them anything :-)

[thechippy]

Re: Citicard / Opus / Cabot Vs The Chippy

Many thanks all.
I'll persist with asking to see the agreement again. I don't think they can actually remember what's going on.
Is it worth sending the cputr 2008 letter again, or just remind them that they have as yet not supplied me with a copy of the agreement?

[MrsD]

Re: Citicard / Opus / Cabot Vs The Chippy

if you haven't had anything else, just hang fire and see what they do.

[Deepie]

Re: Citicard / Opus / Cabot Vs The Chippy

Many thanks all.
I'll persist with asking to see the agreement again. I don't think they can actually remember what's going on.
Is it worth sending the cputr 2008 letter again, or just remind them that they have as yet not supplied me with a copy of the agreement?

if you haven't had anything else, just hang fire and see what they do.

I agree with MrsD here.....

[ATW]

Re: Citicard / Opus / Cabot Vs The Chippy

It's up to them to prove they can enforce the debt. Unless they produce something new I wouldn't take any notice of them.

[thechippy]

Re: Citicard / Opus / Cabot Vs The Chippy

Hi all,

Update.
Nothing serious for months other than the odd statement and I still owe them etc. All duly ignored.

However, just got a letter from Marlin saying they are about to advise their client to litigate etc, along with the usual ccj stuff and how it will effect me etc.
As before, Cabot have had the CPUTR letter and ignored it, although it did make them very quiet for a few months.
I still have the letter from Citi stating no cca, but Cabot do not know this yet.

Is it worth sending the CPUTR again?

Any idea how I play this one now?

Thanks as usual....

[MrsD]

Re: Citicard / Opus / Cabot Vs The Chippy

why don't you just send this

http://www.all-about-debt.co.uk/inde...firming-no-cca

might as well get rid

[PlanB]

Re: Citicard / Opus / Cabot Vs The Chippy

got a letter from Marlin saying they are about to advise their client to litigate . . . .

. . . Cabot have had the CPUTR letter and ignored it

Is it worth sending the CPUTR again?

Cabot are perfectly entitled to ignore your CPUTR letter so I don't see any point in sending it again to them or Marlin.

Have you ever sent Citi, Opus, Cabot or Marlin a s.78 CCA request? I can't see that you have from reading this thread *

got a letter from Marlin saying they are about to advise their client to litigate

Is this the first letter you've received from Marlin? Are Marlin acting as a DCA for Cabot or have they purchased this debt. Have you received a Notice of Assignment from anyone?

If Marlin are hinting at litigation you need to keep your eye on the ball since they mostly use Restons solicitors who go for it.

* Edit: I see you sent a CCA request to Citi in 2010.

[PlanB]

Re: Citicard / Opus / Cabot Vs The Chippy

why don't you just send this

http://www.all-about-debt.co.uk/inde...firming-no-cca

And maybe attach a copy of your letter from Citi confirming no CCA just to ram home the point

[thechippy]

Re: Citicard / Opus / Cabot Vs The Chippy

Thanks all,

Just a quickie, can't access the templates?
Fairly sure I donated / subscribed for them a while back?

[PlanB]

Re: Citicard / Opus / Cabot Vs The Chippy

Just a quickie, can't access the templates? Fairly sure I donated / subscribed for them a while back?

The Templates were recently updated to reflect new case law and the arrival of the Financial Conduct Authority on the scene (formerly the FSA) who have taken over regulation of DCAs and lenders/creditors etc from the OFT.

See this thread and/or PM any of Site Team if you have a problem registering

http://forums.all-about-debt.co.uk/s...l=1#post389442

[thechippy]

Re: Citicard / Opus / Cabot Vs The Chippy

Ok,

Went through the procedure, just waiting admin approval..