I have the same problem. I had a balance of about £1200 on Citi-cards. Never heard any further details from them after I set-up a payment plan. Now cabot have contacted me about my "Opus Credit Card" with a balance of over £4,000! My account was with Citi-cards so surely I dont have a credit agreement with Opus. Has anyone else had this problem. The amount has been rate jacked and numerous defaults applied. I am guessing with no solid credit agreement with Opus that the balance and defaults could be written off with some persistence? P