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About Me


  1. I received ANOTHER Ordinary cause action yesterday. ( am in the middle of defending an Ordinary cause from Y+K already) This time from Nolans, on behalf of Cabot who have bought the debt from Opus (haven't heard of them until now) who were assigned this card from Citi. And along this 'chain of command' I've not had any notice of assignment etc... I'll be defending this one too, in the same way, but quick question - it is nearly 5 years since I had dealings with Citi, and Nolans states in their letter/writ that ALL correspondence must go thru them. I will need to SAR and CCA for this
  2. can bes take over a residential property electric supply as they only do commercial electricity I need to no as been miss sold a contract please help the last few days have been hell bes utilities phoned me saying they were acting on behalf of my hopefully soon to be landlord no lease signed I have ended up in a contract some how I have been bullied and feel forced into this contract really not sure wat to do as I don't have a lease yet or permission to change the electricity supplier still they say I cant get out of it they say they are goin
  3. I had a citibank credit card that was transferred to Opus back around 2010 I have tried for years to claim back the PPI I had been paying on the card for around 12 years. This amounted to around £5000 plus interest. Citibank totally refused to look at it as they passed the account to Opus as we didnt use the card for about the last 10 months before they transferred it. When they transferred the card there was an outstanding amount of around £150 which was cleared over a few months. Opus have declined any claim on the PPI as they have said the account was closed when they t
  4. Can you help me with a ppi claim I have tried to claim. I had a credit card with citibank that was taken out back in around 2000. I had ppi on there which was costing me around £30-£40 per month. I had a CMC who said they could put a claim in for me, this was over 2 yrs ago. After all this time and numerous calls they have now closed the case for the following reasons. Citibank transferred my account to a bank called Opus. This was done without me knowing until I had a statement off them where I called them and found out that my account had been transferred to them
  5. Hi As this is now going to the courts, does anyone know the date that CITI card changed over to OPUS? Thanks
  6. I had a Citi card which has been Opus for some time now. I have never had an Opus card but have just been paying of the old Citi balance. Due to an ongoing divorce I wrote to Opus asking for a reduction in my agreed monthly payment from £50 to £25 and they replied agreeing to this request. Since then they have twice threatened to default the account saying that I am not making the minimum monthly payment. However when I spoke to them yesterday they agreed that they have frozen interest and charges but were not able to tell me why I was not making the required p
  7. Me again. Trying to sort out my partners debts. He's got a debt with Opus and is being chased by 1st Credit. Sent off a CCA request on 28 October on 21 November got a standard letter saying that they are aware a dispute/query has been raised and they would contact the original creditor in order to request any information they hold but it may take several weeks for them to gather this information. Can I presume that they haven't got the original CCA? I'm not going to suggest any response to them anyway. The other question is all correspondence goes to his
  8. Hi, Back in Nov 2016 I agreed a business contract with Opus to be my gas supplier in March 2016. I have since found out that Opus had abandoned this contract in December 2015. However they have failed to inform me of this resulting in my supplier at the time "Extra Energy" to move me to a high out of contract tariff. Opus are currently investigating why this contract was abandoned as there seems to be is no clear reason. Is there any action I can take against Opus for not upholding the contract and then failing to inform me of that i no longer had a contract with them
  9. As the title says, here goes. First a little background. I've recently started my own business and opened up my own shop. I'm quite young to have done such a thing but I felt the time was right. I'd had the premises for a month and was waiting for a letter from whoever supplied the previous tenants electricity, so I could look into energy contracts etc. which never arrived (which only made me anxious anyway). Fast forward to a couple of days ago, on the day before the shop opening, tensions were running high, stress at getting the finishing touches done when I get a phone call
  10. Only for £80 which is nothing compared to some on this forum, but just wanted to share my personal *win* with knowledge and foresight provided by this site For some time i had a Citi/Opus credit card and kept it in a manageable level. At around May 2012 I left my family home at the start of a very bitter divorce proceedings. The details are unimportant other than at the same time to this I thought I had paid off the Credit Card completely and even destroyed it. Unfortunately due to the bitter divorce, letters that Opus had been sending me were not passed on (destroyed?) b
  11. Hello all, I apologise in advance if this is not the correct forum for this problem and hope that someone can point me in the right direction. The problem is I am being harrassed for an energy bill that I do not own. In June of last year (2015) due to my husbands ill health, we closed our business down. The energy was supplied by Opus Energy and up until we closed, the bills were paid monthly by DD. To cut a very long story shorter, Opus were advised, the meter readings were given and I forgot about them a few months later they started calling saying that
  12. Hello everyone, it's my first time posting so thank you in advance for any advice that you can give. About 6 weeks ago we had a phone call out of the blue from an Opus rep 'Tom' to say that we had a large bill and he needed to speak to us. We are very rural and we had an actual reading just previous to the bill. Prior to the phone call the direct debit was set up, everything paid on time, never a late or missed payment. I thought it was a [problem] call at first? I couldn't believe it when we were told it was for £7000. We own a building which is a small
  13. Hi all Got a letter from OPUS saying they were increasing my rate by 6% and using the reason "Pass Through Amounts" increase (PTI). Havent got a problem with that as we already pay the CCL etc so figured it was another one of those, however upon checking the bill there is no separate PTI stated, its just a set 6% increase on rates. I have checked the T&Cs and it states they can increase 2 ways. First, they can increase if the cost of the supply is more than the contracted rate. However this doesnt apply. Second, they can increase if due to a rise in the PT Amounts. However should
  14. I was recently tricked into agreeing to a new three year energy contract with Opus Energy by a broker who led me to believe they were calling on behalf of my energy supplier, e.On UK Energy Services Ltd. When someone called and identified themselves as calling from UK Energy Services Ltd (note the similar name; my hearing isn't good), told me I was on a residential contract (true) and should be on a business one (true), I went along with them and agreed to switch to the business contractor, Opus Energy, thinking they were still part of e.On. I was wrong. Unfortunately, this misunderstand
  15. I've an ongoing saga with CABOT regarding an OPUS card which they say was my CITI card. Shouldn't I have had some notification of some sort from CITI when this change occurred? I've been waiting years for a CCA for my CITI card, but none has been forthcoming.
  16. Hi Guys I use to run a pub (left over a year ago) under Ltd Company. I wrote to creditors and told them that I ceased trading and closed down at Companies house. There were no objections from any of the creditors. I now have a letter addressed to my home saying they are going to send someone round and take legal action for the debt on the Ltd company. The house is not in my name and I have no assets. Any help would be appreciated. Pauline
  17. Citi-Opus-Cabot Court claim issued Acknowledged to Court and solicitors CPR 31.14 submitted to solicitor Agreed extension with solicitor Have had no further contact from Solicitor Would like help with submitting defence without any info
  18. Hey all i posted on here around a year ago originally when i had problems with mini credit and other payday loans since then i have got my back on track with repayment plans and my debts have come down considerably and by summer 2015 i shall be debt free! Now i had a loan with mini credit and that got passed onto opos i have been paying opos via standing order and only have £148 left to go! but what happens now minicredit has ceased trading? do i still have to make the repayments? i cant access my account on opos website or anything as the website has been down for the last couple of days
  19. Hi all Please could I get some advice regarding an issue with opus energy. My father who owns a takeaway was visited by 2 British has guys on behalf of opus energy to check the meter (something which they did on all the shops on the parade) . After a quick check they advised my father the meter is over 20 years old so would therefore need to be replaced. They phoned back after a few days and made an appointment to visit and exchange it. On the day of the visit, 4 guys turned up (not sure why it required 4 of them) and went about their work about 15 mi
  20. Hi, I'm a small landlord of a shop. The shop tenant returned the keys to me Sat 5th July and told me the elec was up to date. Shop had a clear 'To Let' notice on it with my phone number. I've received no letters or any other clue something was amiss. Today, I missed a call, picked up the voicemail after work, a guy purporting to be from Opus saying they have a Warrant of Entry and they will breaking in in the next 5-10mins. I frantically called back thinking they have caused damage to my shop. They used a locksmith to get in and replace the meter with a smart meter - withou
  21. Hi There, I recently called Opus to terminate the business electricity account and they accepted with reading as we were moving out and our 2 year contract was finished 6 months ago. after one month to this they sent another bill for whole month with the reading of full month after I cancelled with them. I called them to find out whats going on and why they send me bill for whole month rather than 15 days (when I gave them notice) they said we can not take your word for it. after your notice we called your business number and we were told you are still there second
  22. Our company switched to Opus Energy in Nov 2012 for a 12-month contract. The tariff was good at (something like 9 pence/kWh). In August 2013 we received a letter telling us the fixed contract was ending in Nov 2013, and if we didn't respond within 30 days, the contract would be automatically for another 12 months. I was away from teh office at the time. We were told the new contract details were overleaf. This was followed by paragraphs about where does your electricity come from? renewable sources, £10 off for ebilling, smartmeters, etc. The last line on page 2, stated the unit price of 17.69
  23. Hi Folks, Virgin poster here so please be gentle with me! I’ve been looking around the site and am really impressed with the wealth of knowledge and help that is available on here. It feels (like other posters have said) that I am not alone anymore! I’ve had a Citi card for quite a number of years now which was then changed to an Opus card. Being self employed and the economic climate what it is nowadays, I think it’s fair to say that I have got into a few financial difficulties. I think the last payment I made was around December 2010. Here’s a timeline of wha
  24. opus energy, i have never come across this company but was duped and misled into signing a contract, the prices i was charged a unrealistic and the way i was disconnected to a building with my new born and parents living above the commercial premises. they have no regard after paying them 2500pounds and then being disconnected with a demand of a bond of 5000pounds or risk of not being swithed on??? surely this is criminal, they came for electricity bill which i have said cannot be correct after spending 1500pound on led lights to reduce a 50w to 2w. now they wan
  25. My husband has bought and taken over a business about 7 weeks ago and changed gas contract into his name. A week later he received a phone call saying it was the "SERVICE DEPARTMENT" from his gas supplier and said that they were calling to Check if all his details were up to date when in fact it was OPUS ENERGY. Unknowingly to my husband, he gave them his bank details and meter readings and there was no mention of a contract. A couple of days later we had a contract through the door saying thank you for choosing us as your energy supplier. I imme
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