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Re: Help needed - joint credit card which was originally with citicards
They should not be able to take court action without the presence of a correctly issued agreement.
They would also have been required to follow other pre action protocol eg.. valid Default Notice, termination notice (assignment notice - if 1st credit have purchased the debt) , letter before action.
If there is a valid unresolved dispute in progresss then the courts will not look kindly on the claimant.
The fact that they refused to continue with a pre arranged payment agreement would not look good either.
I am rather puzzled as to why they say they will need to contact "their client".. If they have been assigned/purchased the debt then it is theirs.. they are the owner and as such have no client.
If they are acting as agents for collection only then TBH, they simply had no right to refuse the arrangement that was in place.
You need to find out for sure WHO owns the debt.
Send the letter below to 1st credit - that will give you some breathing space because you are simply requesting proof that you are required to send money to them and not the previous company
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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Re: Help needed - joint credit card which was originally with citicards
Hi, the debt was assigned from opus to 1st credit and we had letter of assignment,
1st credit say they own the debt and have updated crf file and added a default.
you will see in previous post the letter they sent me when we req the cca,
it is very strange that they refer the cca to their client and that is one of the rerasons for the SAR to citi and cca req to 1st credit
as normally if they say their client they dont own the debt,
as dx says something fishy going on.
just going to wait on SAR and wait on cca from 1st credit although now over one month since cca to 1st credit
and still no reply other than they have req the info from opus their client. thanks
Re: Help needed - joint credit card which was originally with citicards
Hi , just to update, we have still had no other response from 1st credit in over a month
since they stated that they were req cca from their client! opus,
do we just sit and wait?
also after reading other posts on here im a bit worried if they can issue a statutory demand whilst we are waiting on the cca or the SAR from citi,
can they make me sell my home to pay the debts owed?
or am i just panicking?
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Hello, just an update.
can anyone tell me if this is what is expected from a cca request ,
today recd a letter from 1st credit saying we enclose a true copy of cca ,
we recd cca saying creditor Associates capital corporation and whats looks like a credit agreement ,
no signatures, and no credit limit , not sure if this is same company as citicards?
also a cca sent from opus enclosed with acc number , credit limit zero and again unsigned.
can anyone advise if this is what is expected from a cca as it appears just to be a set of terms and conditions and nothing signed .
also if this is correct do i just write to 1st credit stating what i will pay and do they have to accept this without sending income details. thanks again.
Re: Help needed - joint credit card which was originally with citicards
Hello, just an update.
can anyone tell me if this is what is expected from a cca request ,
today recd a letter from 1st credit saying we enclose a true copy of cca ,
we recd cca saying creditor Associates capital corporation and whats looks like a credit agreement ,
no signatures, and no credit limit , not sure if this is same company as citicards?
also a cca sent from opus enclosed with acc number , credit limit zero and again unsigned.
can anyone advise if this is what is expected from a cca as it appears just to be a set of terms and conditions and nothing signed .
also if this is correct do i just write to 1st credit stating what i will pay and do they have to accept this without sending income details. thanks again.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
Please consider making a small donation to help keep this site running
Re: Help needed - joint credit card which was originally with citicards
Karen, are you able to scan in and post up what they have sent to you ?
From what you describe, it doesnt appear that they have complied with your request.. but it is difficult to confirm one way or the other without seeing.
Some instructions for uploading docs below...
Dx100 – Instructions on uploading pdfs
scan the required letters/agreements/sheets
as a picture file
remove all pers info inc barcodes etc using paint
but leave all figures and dates.
goto one of the many free online pdf converter websites
convert the image to pdf format.
or ir you have PDF as an installed printer drive use that
open a new msg box here
hit go advanced below the msg box
hit manage attachments below that box
hit the add files button on the top right
hit select files, navigate to your file[s] on your pc
hit upload files
NB:you can set where it goes in the post by hitting insert inline.
the hit reply button
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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Re: Help needed - joint credit card which was originally with citicards
Hi Karen
I am still waiting for CCA from 1st credit. I previously requested SAR from Citi cards but Opus responded with 2 sets of agreements (Progressive Credit and Associates) and are just as you say t&c's (reconstructed) with no signatures or dates and a set of statements. Have you received the SAR yet as this shows payments - in my case a full set of monthly statements 2006 - 2011. If I've got this correct Progressive Credit took over from Opus (CCAM) who took over from Citi Cards which was previously The Associates.
Re: Help needed - joint credit card which was originally with citicards
hi alan, im still waiting on the SAR but have been assured from citi being done, will be posting up what 1st crdit sent me today. not sure what to do next but will see what the forums says to what was sent from 1st credit before making any decisions.Have u been paying 1st credit? i refused until cca recd .thanks
Here is a pdf that my son made of the documents they have sent us. All documents where scanned. Amounts and identifiable details removed. No statements of accounts were enclosed and nothing showing a signature of any kind. what do we do now?
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
Please consider making a small donation to help keep this site running
Re: Help needed - joint credit card which was originally with citicards
the first one sent is dated at top 2002 from associates, the second one for opus dated 2010 i think when account changed to opus from citi cards.
what do you suggest in our response to 1st credit?
should we have recd payments etc with the cca?.
the applicatio was not online and was in approx 2002/2003 not exact on dates
and was with citi which i understand was part of the associates group.
i didnt think this was a true cca but not sure and would it have shown a signature.
Re: Help needed - joint credit card which was originally with citicards
Karen
The agreements I have receievd are very similar with the exception of The Associates one has 0395 01 06 2001 Associates MAR & EMG at the top. Looks quite different to a signed one from 2002 although APRs match - they are different to yours. The Opus one is also from 2010 with different APRs. 2010 is when Opus took over from Citi.
Re: Help needed - joint credit card which was originally with citicards
to continue with p/m arrangement and they refused,
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