Hi Rowan et al I've been reading your threads from the last couple of years with great interest as since May 2012 I've been pursuing OPUS for repayment of my CRP from the Citi Credit Card I had from Feb 2001. I got exactly the same written response from OPUS as you did (i.e. saying that you had been sent all documents, you were requested to positively confirm that you wanted CRP etc etc). I've asked three times in writing for a copy of my original application & they just ignore it and have sent me their 'final decision' that they are not upholding my complaint. I've gone to the FOS & have been told by them that because Citi weren't regulated by them until Dec 2001 they can't pursue but that I should try to find out who the insurance underwriters were. I think my Card was an Associates Card & have called OPUS who at first refused to give me the details of the underwriters on the phone. When I pushed & said FOS told me that they had to give me the name they just said 'it's Cumberland' but wouldn't give any other details. Have you heard of Cumberland & what stage are you at with your claim? Did you have to take court action in the end or is it all still ongoing? I've successfully retrieved all my PPI from MBNA and Halifax and have a further claim pending with Monument who have done a final offer of a trifling amount & I now have FOS managing this for me. But OPUS are the problem - I'd really welcome your response to find out how you've got on because your case is almost identical to my own & I'm losing the will to live! Anyone else who has any guidance on how to find out more about Cumberland please let me know! FOS told me that once I get the underwriters details & can provide it to them they'll start an 'engagement' with them about my case to see if they can prove mis-selling, but I'm a little confused 'cos I've googled & it's all a bit vague as to whether the FOS even have any jurisdiction over Cumberland or not and am not even convinced that Cumberland are the underwriters. Any help at all would be most appreciated.