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Napoleonj

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About Napoleonj

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  1. I'm at least going to ask for my money back as I could do with it, they paid it back instantly twice before and the they were told that the £1 should not be used for anything else.
  2. I replied to RW informing that the debt to B/C was now ststute barred they replied that I had made a payment to them in 2012. On checking I found this was when I changed Bank accounts from Barclays. As my income comes from State Pension + topups only, they should not have done this, so will need to get the money back. I've also discovered that they've also received a £1 payment obviously from a request for a copy CCA, using your template. Trouble is I've now thrown away all my paperwork as it was statute barred.
  3. Thankyou, but I still can't find it,the link above takes me to another post not mine. Never have been able to work out how this site works properly. Anyway my BC debt will be Statute Barred in January, so can hopefully hold them off 'til then.
  4. I too have received one of these letter. How should I pay the £10 to Barclaycard, I don't want them being able to use my signature anywhere do I?
  5. I can't find my original posts on here so have begun again.. Still getting monthly letters from CITI, plus phone calls.The latest letter is telling me they're reviewing the next steps available to them. I.e.An alternative debt collection agency being instructed. Instructing a solicitor to determine whether to take legal action A field agent instructed to attend my home address. I think they're getting desperate as this become Statute Barred at the beginnning of December. Citi wrote to me in April 2020 tellling me my account was to be transferred to CCAM and wou
  6. It was originally Citi, I'd never heard of OPUS 'til Cabot wrote to me. I've sent the CCA letter to them years agoand all I've ever got back is T & Cs and now they say they don't need to include signatures according to a court ruling.
  7. It's all in writing, I've never had a conversation with either of the companies involved and they've been told several times to prove it. Thanks, I sent one years ago, but am about to send the updated one. They also say that as I made a payment in 2010 to CITI, that proves that the OPUS account is mine. I'll wait for the next installment with bated breath (I don't think)
  8. I've been holding off Cabot for about 5 years now. They are claiming repayment of a Citi card debt, under the name of OPUS. The latest letter includes a letter from OPUS. it states that they do not need to include a signature box, signature or date of signature in the copy agreements. Cabot further state that I have received the card, PIN and susequent monthly statements. I have never seen an OPUS CARD or PIN and have told Cabot this time and time again.
  9. Just checked and it's owned by MKDP and default 08/10/2010
  10. Yes, they've been sending me monthly letters for ages, saying they couldn't find it.
  11. Last payment was Feb 2010, last usage Jan 2010
  12. Don't know and don't really care, I'm too old to need credit any more, just pay for things with cash or debit card. I had nothing against me when I opened a new bank account 18 months ago.
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