1. Don't know. but if your account is closed, do you have an account to sell. Seems like Citi have been using your closed account to add packing to the thousands of accounts they sold off, to repay their massive debts.

3. I'd have thought they should. Doesn't look good if they don't. But Citi is huge. They can do what they like, legal or not, IMO.

4. They ought to IMO.

5. This is a grey area. Ask Opus for a signed copy of a legally binding agreement. They are required to produce this by law.

Hi JR

I have similar problems with OPUS. I have written them a letter but as yet no reply. When I do recieve a reply I will let you know of the outcome. I requested in the letter is it company policy to purchase accounts that are in dispute? In addition are the held accountable for any unfair and or illegal charges that have been applied to the account? I also added that a copy of the letter I sent them and their reply would if required be produced in a court of law if proceedings had to go that far.

It is difficult to interpret what is and is not legal.

My Citi card is also in dispute. I had an ongoing complaint wiht Citi, over interest. I gather from a Citi Vice President, that Citi are supposed to resolve the complaint before passing on the account to another company. I also read the same, on a OFT/DTI/FoS/other official website. I refuse to pay that extortionate interest rate. I have explained repeatedly, to Opus, over the phone and in writing, that I had never heard of them till I received a card (like so many people I've noticed). Citi have stopped answering my letters. I am refusing to acknowledge the existence of Opus. They have no record of any agreement between us. As no agreement exists, they cannot take me to court, and Opus have admitted this. Instead I am now getting threatening and nuisance phone calls twice a day asking for my personal information, which I am refusing to give, on account, I don't have a relationship with Opus, hence, there's no need for me to co-operate. Does anyone know better than this?

Nuisance and threatening phonecalls are against Ofcom regs. It looks like I need to inform my telephone co and the police.