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Posts posted by Napoleonj

  1. 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.

  2. 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 would advise me when this accurred.



    However I heard nothing from Citi 'til September 2010 when they terminated my agreement

    and should cut up my card and dispose of it.



    Enter Cabot some time later, asking for payment regarding an OPUS CARD.



    I'd never heard of them, so informed them it was not my debt and invited them to prove it was mine.



    February this year after much wrangling, they sent me the usual Terms and conditions from OPUS,

    dated November 2010 saying it was a copy agreement and no signature was required

    and that they would not be entering into any more correspondence re:The Agreement.



    I received a further letter in March from Cabot, saying because I was resident at this address when the account was opened,

    I would therefore have received the card, PINand subsequent monthly statements in order to use the card.


    I've no idea what an OPUS card looks like and most certainly did NOT receive a card or anything else from OPUS.


    What is my best next move please?

  3. 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.





    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)

  4. 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.

  5. MKDP informed me in February last year they had "bought the interest in my B/C account, including the outstanding balance".


    I asked for a copy of the CCA which to date they have been unable to supply.


    Lo and behold, today I received a letter from B/C enclosing yet another copyof the T and Cs.


    They say in their letter they have enclosed a "reconstituted copy of your credit agreement", but it just includes Conditions and cancellation form.


    I've lost count of the number of times this has been passed on from one company to another. Surely B/C now have no right to the money.

  6. dx

    Yes I still bank with Barclays, as there's no public transport or shop here, I needed a bank access at the post office.


    I've tried to open an account online at other banks but have not been successful as I need to have one with DD facility and cheque book for some transactions.


    As soon as I told the woman that they shouldn't take money from my pension,


    she said she'd arrange for it to be refunded and apparently Westcot are no longer dealing with my account.

  7. B/Card have just taken money from my account

    - I only have my pension and pension credits.


    I didn't recognise the payment on my a/c, so queried it and was eventually passed to B/Card.


    I explained to them that I have never received a CCA and


    the v nice lady informed me that you don't have one with a credit card.


    If this is the case, then how can they ever pursue anyone for money owed?

  8. Hi Slick132,


    I haven't done anything about the interest yet, as I had an exam in June (studying for my BSc Hons) and as a very mature student, this took lots of revision.



    Not sure exactly how to go about working out interest, do I just add up all they've added since the account was in default?



    I've looked at the various posts, but am still not sure.



    However as you will see from my post below, there have been some developments.



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