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Everything posted by rowan666

  1. ive just been looking back at my thread, and its actually 7/8 years now since i paid anything to that outstanding balance, but its Opus who wrote to me, and the PPI was on with Citi originally, so no point in putting info in Opus's website.
  2. Hello - hope ive posted in right place! ive come to your site a good few years ago and got great advise, but site looks different now. ok here goes - i had a Citi credit card that i tried to reclaim PPI on due to it been put on without me asking & i am, and was when i took it out, self employed. In 2006/7 i got into difficulties ( recession started for me then) and fell behind on cards, defaulted, sorted a repayment plan with Citi, and paid back monthly. tried to get PPI back when i looked into it, they said no, went Ombudsman - they said no. Opus took over, i asked them about reclaiming my PPI, i paid the £10 for SAR (?) and worked out with the spreadsheet you had my claim to be 12k -ish - i asked for advise here and were told to ask for a copy of original paperwork - they said could not find it, someone here said tell them when they send you what your entitled to, you'll pay, which i did, they stopped writting/nagging, i stopped paying anything. I always assumed they decided they owed me more than i owed them - so drew a line, and ive not heard from them in approx 5/6 years. got a letter from Opus saying even though i was declined previously PPI - i may now be able to put the claim in, so question is, do you think its a 'fishing' letter to start contact, or truthfully has anyone else here gone back and re-claimed from Citi/Opus? regards
  3. Hello again Al little update - The F.O came back to me saying that Citi 'cannot remember' who their underwriters were in 1998, and as it is so long ago, they cannot be made to trawl through filed old paperwork to give an answer. The F.O say if I could find anything saying who the underwriters were at that time, then they will continue to try on my behalf, if not, then nothing they can do further, ihave looked through my old statements right back to 1998, but no mention of who it could have been. I get monthly credit file updates from Noodle, and just last month the debt has appeared on my file, though I have had nothing else from Opus. regards R
  4. Hello PenaltiesGalore thanks for the reply, and you have not at all overstepped ! i have spoken to both Citi ( when they owed the debt ) and they gave their final response, so i went to F.O, but as the account was opened in 1998, Citi said the F.O could not represent on my behalf, as Citi were not under the F.O rules in 1998 ( started 2001 ) When Opus bought the account i went through the whole thing again, but they stuck by the '' you signed for card protection'' and that was their final say - i responded by '' show me where i signed then'' - nothing back from that. The thing is, i owe a substantial amount still on this account, and if they re-pay me the money i would give it back to clear the debt, so im wondering if thats why opus has not done anything else, as i put the account in dispute in 2010, and apart from the odd letter, i have not heard anything So it seems a stalemate position, they have not supplied the cca or the original form that they say i signed asking for card protection, i have not made a payment due to this for a long time... i suppose the reason i have not 'taken it by the horns,' is i know if i go the court route way, and if i win, then whatever i win will go to them as i owe them still, so it's just been easier not to deal with it im afraid. Thank you for taking the time to go through things, and for the support, but unless Opus start up threatening for money, i am just going to leave it, i know this response is not what a lot of the guys on here want to hear, but i feel at the mo its my best course. I have pushed with several of my other 'card protection' claims, and won 2 of them, crapquest being a huge amount ( which, as i had defaulted they did not pay me, but nearly paid off the debt ) and 2 are with the F.O still. regards R
  5. Hi LeighK even though the thread is old, it is still ongoing ! i have never got the items i asked for from either Citi Cards or Opus, i placed the account in dispute 2 years ago when it moved to Opus, but i still did not get anything but letters saying they had sent everything they need to. I have not sent any payment to them, and at the mo it's stalemate, a s what i owe is a little less than what they owe me in re-payment, so nothing is happening. I tried the underwriters route, but they also say it is nothing to do with them, their reply has been sent back to F.O who i re-contacted when i started down the underwriter route, and they are having a look at that, but as you know that can be ages. I did not/ have not, gone down the court route, i know many of the guys on here have, but i don't think im strong enough to do it. so thats where it stands at the mo. r
  6. Yes - as 'gesture of goodwill' though, not agreeing they did wrong by applying all those charges .. but no matter, it came back, and thats the point isn't it The 'if you could get a lump sum together, your looking at around a grand off the balance' came when i was doing my 2nd payment to D/F, and asking if they had heard back from Creations, as i dispute the balance of the account they have given D/F. So i have never gone further into asking the whys / hows of this, as i have no lump sum to use to pay it off. R
  7. I used the 'calculator' one you gave me in another thread about another re-claim i have/had going on I suspect the discount was spoken about by D/f, as they are aware Creations have not produced the CCA... only a guess though. R
  8. Thanks for replies, ive re-claimed late fees/ over limit fees / £12.00 charges back from Creation earlier this year,and there is no PPI i have spoken on phone when i ring them to make my monthly payments to D/F, so only twice, if they started to ring all the time it would be letter only ..! I know i could have waited as they still have not produced the CCA, but i want to start getting it paid as quick as poss, as now there is no interest & charges being added all the time will keep an update going though thanks again
  9. yes i want it paid off, im paying the amount i said i could, the interest is frozen, when i spoke to D/F a couple of days ago the guy im dealing with said if i could get a lump sum together, they would most likely be able to knock about £1000 off bal, i told him i did not have any savings to do that, and would be paying it all back. i hope as you say, they will not push down the court / ccj / charging order route, i want to get all my debts paid off, this time 3 years ago i owed about 8k more than now, due to claim backs of ppi, and hard solid work of payment plans in place, ive reduced my debts down. r
  10. quick update - no cca from oc, D/F say they are also waiting on info from o/c about the complaints i raised to them over non compliance of cca and i have different balance owed than o.c , i have made 2 payment to D/F as i want to pay this debt off, and show willing. R
  11. so even though drydenfairfax are now dealing with this on Adams/creations behalf, your advise is to pay the oc if and when the CCA is produced ?
  12. I have sent a failure to comply to both Adams/Creations and reported them OFT, and i did stop payments TO Adams/Creations. They have passed my account to Drydensfairfax to collect on their behalf. I have made d/f aware on situation My original post is for when they produce the CCA As it is not that old a account, and im sure they will produce it. I want to get ahead of the game. R
  13. Yes it is on my credit file, it is a debt from a Adams store card. In 2008-09 when things started to go pear shaped, all my other creditors accepted reduced payment plans and froze interest (or their in house dca did ) but Creation Finance would not, they also would not put me to the in house dca, but continued making payment plans with i could not stick to. I wrote dozens of letters to them,( as the interest they continued to charge me, nearly wiped out the £50/60 per month i was paying ), asking them to freeze the interest, but they would not. I wrote to re-claim the £12 o/fee & default charges back, and got nearly all of them back, in june of this year i cca them, after a month of nothing i wrote saying account in dispute, i reported them to oft, for non-compliance and the way they have dealt with me, and told them i had done this, again asking them to put me into a payment plan that had no interest, as of july of this year, even though i have made over a thousand pounds of payments to the account, i still owe as much as when i started - i have had no reply to this, apart from they are looking into my complaint. i still have not had my cca to me, so when i received this letter from drydenfairfax i was annoyed, as i have never denied this debt, but want to pay it off, not just pay their interest, and thats where we stand. I have chopped this down as there are dozens of letters back and forth. regards r
  14. Hello, how has other members dealings with drydenfairfax been please ? they have just written saying they have been instructed by Creation Finance ( Adams card ) to collect the debt, They have also informed me their client will only allow any payment plan to run 24 months, so i would need to re-pay £180.00 per month to clear the debt, this i cannot do, i can re-pay £50.00. They have said in that case the client will accept £50.00 'without predjudice' and at some time the 'most likely' take me to court, ccj me and get a charge against my property. any feedback on this would be great, as im really staring to worry about this all. R x
  15. Hello, thank for reply, can i ask, has there been cases from other people on here who you've helped/advised that have gone on as long as this ? R x
  16. Hello,update - letter from Opus - * hightlights* we have finished our investigation on your complaint, Opus does not sell cardholder repayment protection, but what follows is a summary of our investigation of your complaint which relates to an action that took place while your account was serviced by Citi. our understanding of your complaint- the CRP was applied to your account following your application on 24/02/1998 the application process did not require you to take CRP as a condition of acceptance. the application form did requir you to positively confirm that you wish to purchase the policy. the application pack that you were provided gave full conditions of the T & C'S,and it was recommended you read all insurance info carefully, and call if you had questions before submitting your application. - ( this is incorrect- there was nothing to read on the app.form about T&C'S of any insurance, just a box to 'tick' either way ) this document also detailed your policy cancellation rights, and confirmed the a full refund of any premiums applied to your account would be made if you cancelled the policy within 30 days. we can confirm you applied for the insurance by selecting the product on the application form ( funny that - how can Opus confirm it when Citi have never produced it ? ) as a result, no advise was givenby an agent and that Citi were therefore acting on instructions provided by you on your application form. it is not unreasonable to expect customers to read the policy info provided when they have opted for the product of their own volition. on processing the application you would have received a further copy of the T&C'S of the policy, which detailed all the exclusions ans limitations of the policy. you also had 30 day period in which you could review all the policy docs, and if unhappy you could cancel with no charge. Citi sales process meant that you were presented with all relevant info in the application pack, ans you subsequently chose to purchase the policy whilst appling for the card. Citi operated on a non-advised basis, however you were at liberty to contact Citi, or subsequently Opus at any time to query the policy. our decision we are sorry to inform you on this occasion we are unable to uphold your complaint as our investigation shows you were given the option to accept or decline the policy. you were also given all the insurance docs to enable you to make an informed decision about whether or not to purchase the policy,and therefore your complaint has been closed. you have 6 months to refer to FOS, a copy of their leaflet is enclosed,and although you have the right to refer your complaint to FOS, we are aware that because CRP was added to your account outside the FO jurisdiction they may be unable to investigate your complaint. so, any thoughts anyone ? It seems Opus are just re-trashing the same old tosh Citi came out with. do i bother with another letter to Opus, maybe saying 'if you say i ticked the ''yes please i want the total [problem] insurance'' on the application form, as your letter suggests, SHOW ME this application form, as ive been trying to get a copy of it since 2010 ! or do i not bother, Opus will now (most likely ) start trying to get me to pay more money to them, as as far as they are concerned they have investigated this, so i have no reason to be in dispute with the account, even though IM still in dispute over this whole fiasco . Any thought would be greatly received R xx
  17. Hi, no news to report, i posted all info to Opus last month, but not a peep from them about anything. r
  18. Hi ims, thank for getting back to me , i was concerned as in post 36 on here i was told Citi was my target for reclaiming the ppi even then i was with Opus,, but it now looks if Opus is asking for info it might be them who are now responsible to sort out Citi's original customers who are trying to reclaim ppi ? i will then put together a breakdown of whats gone on with my claim, and post it to Opus, and lets see.
  19. Another update - AXA saying they have not received the info i sent to them, ive spoken to a chap there and re submitted the info last week. Opus rang home today - i don't usually speak to them, but they did not once say anything about the outstanding account, but about the letter i wrote 1st Credit saying it should not be sold on to them, they agree, and the account is back with Opus. She also said would i put all the info about the trying to re-claim of the ppi in a letter to them ( Opus ) as they want to sort this out, which i said i would catalogue all the letters etc, and send it to her. - Now my question to you guys is - is this a tactic on Opus's part that i should be wary of, i.e - am i shooting myself in the foot in ANY way by doing this, or is this a good thing, i.e - can Opus pay the ppi back instead of Citi if they have taken the account from Citi ?? could you have a think and give me some advice please on if i should go down this route with Opus ?? thank you in advance
  20. little update, got a letter from the underwriters, wanting info on the policy, filled letter in and sent back end of March - no reply as yet. 2nd update - Opus has moved/sold my account ( the 1 i placed in dispute in july 2011 & i have been making a £1.00 acknowledgement payment each month ) to 1sr Credit, ive sent a letter telling them the account in dispute, they cannot pursue etc etc, send account back to original creditor etc etc... so we'll see what follows. Im assuming as there's a deadlock with Opus, they've decided to try to get this 1st Credit to chase me now, any one got ideas on why Opus did not send my account back to Citi Cards, as i told Opus, Citi really should not have sold it whilst all this was going on..
  21. update - rang fos, spoke to a nice chap who looked through my files and said that the judicial review did not change anything on my case, but had i thought about going after the underwriters ? i said i had asked for the name of Citi cards underwriters in 1998, ( 1 of many items of info i have not yet got from them ) but as yet still not got any more info from them, so i did not know who they were. He said he had a phone number inside Citi, and if i held he would ring for me, so info is -in 1998 sun life insurance were the underwriters of Citicards credit card. he has opened another complaint on my behalf, and sent them a letter saying they took payment from me on the Citicard credit card when they should'nt have been, and he said let's see what they come back with. so another avenue..
  22. Hi, intresting ... needs to though, im sure there's lots of people in same situation - debs
  23. Hi thanks for reply, i will try ringing FOS tomorrow, ive let you know their answer, yes court looks to be the only way, but am i right in thinking 5k is the most that the small claims court will agree, and at my last working out it was just over 4k in actual 'card payment protection' premiums i paid ( over 10 years ) and then the interest on top of that - be it either interest, it is alot more than the 5k court will sanction. thats why i hoped to get it sorted out of court you see. will let you knoe what Fos have to say though.
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