Oakfieldboy Diary

[MrsD]

Re: Oakfieldboy Diary

okay i'd just wait and see what they do next.....................

[oakfieldboy]

Re: Oakfieldboy Diary

Letter received back from 1st Credit dated 09/01/14


Dear Sir/Madam

Thank you for recent correspondence

Your letter has been passed to the apppropriate department and they shall repond in due course

Yours faithfully

Gavin Flynn
Head of collections

[oakfieldboy]

Re: Oakfieldboy Diary

Word back from Niddy is to send no prescribed terms letter so currently:

[Deepie]

Re: Oakfieldboy Diary

I have noticed they have done two credit searches on me in December.

How many times have you checked your credit score ?

I'd forget about it for now.....and stay away.

[oakfieldboy]

Citi Card:

• Type of account - Credit Card
  
  
• Date commenced - 17th November 2003
  
  
• Approx balance - Approx £3220
  
  
• Date last payment - April 2012
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Default date on credit file - 31/12/2012

• Account owner - Citi Cards - Opus - Now 1st Credit

Originally a Citi card, transferred to Opus 21st November 2010. I sent Opus a CCA request on April 24th 2012. They did not provide me with anything. They sold the account to 1st Credit 27/3/2013. I informed 1st Credit that the account was in dispute with Opus due to faliure to provide the CCA agreement. 1st Credit then provided me with a reconstituted agreement and I have been arguing with them since that it is not good enough but I think they are beginning to lose patience with me and I think they will be looking to take court action against me. I have noticed they have done two credit searches on me in December.

I will email the paperwork to Niddy.


24/04/2012 - CCA Request sent to Opus
03/05/2012 - Letter from Opus
15/05/2012 - Account in dispute letter sent
23/08/2012 - Default Notice served

27/03/2013 - Opus sell account to 1st Credit
09/04/2013 - Welcome letter from 1st Credit pay us now
13/04/2013 - Account in dispute with Opus letter sent to 1st Credit and ask for copy of complaints procedure
16/04/2013 - Bankruptcy proceedings being considered letter from 1st Credit
24/04/2013 - Complaints procedure letter received
09/05/2013 - Apologies letter received system generated letter already sent
21/06/2013 - CCA received we have provided you with a true copy of the agreement[it not it is a reconstituted agreement]
26/06/2013 - Letter sent formal request unfair trading regulations[CPUTR]2008 if they hold true copy or not
23/07/2013 - Letter received we do not hold an original copy of your ageement nor do we need to
25/09/2013 - We have provded you with a true copy of the agreeement pay now
11/12/2013 - Letter received we do not consider there to be valid dispute pay now

02/01/2014 - Sent CCA to Niddy say UE and send no prescribed terms letter see what they reply with
04/01/2014 - No prescribed terms letter sent
09/01/2014 - My correspondence has been forwarded to the appropriate department.