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.
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Citicard / Opus / Cabot Vs The Chippy
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Citicard / Opus / Cabot Vs The Chippy
Tags: account, act, action, andrew, cabot, card, cca, cca request, ccj, court, cputr 2008, creditors, dca, debt, eye, fire, game, ids, letter, letters, list, lost, marlin, no cca, oft, ons, people, repayment, restons, size, solicitors, template, template letter, templates, unenforceability, unenforceable