Citi or Opus

[Brian2009]

Hi

I had a card issued by Associates that became a Citi card (probably in 2001) Then last year it became an Opus card. Who do I send a SAR request to, as I want to reclaim my charges?

Thanks

Brian

[dx100uk]

whomever you are paying

 

dx

[Brian2009]

Opus it is then! Thanks

[Brian2009]

Hi

Opus today have told me, and will confirm in writing, that they do not have a copy of my agreement with them or the original company. Where does this put me? Do I do a lba, and epect an offer, do they fight all the way to the courts, or is the lack of an agreement now void? What about charges over 6 years old, are they claimable?

Brian

[ims21]

Hi Brian

 

For the charges reclaim, the agreement is not required. What you need are the statements or transaction history on the account.

 

What did they send you in respons to your SAR?

 

Regards

 

ims

[Brian2009]

Hi

initial response was to send me printout of transactions since the transfer of the account ro Opus. When I complained, i got a second set of these documents!! Subsequently I recieved documents from Citi back to 2005. I had a significant number of invoices anyway dating back to 2002.

 

In the SAR I did not get a copy of my contract or terms of agreement so I sent them £1 under section 77/78 as per the template letter. Today I rang and was told they have no contract, and will confrm this in writing, plus organise a refund of £1!!

 

My claim would be all for late payments plus restitutional interest. For the past 6 years this would total £1100, but if I could go back to the earliest record i have, it would be nearer £2700.

 

Any thoughts?

Brian

[ims21]

Hi

 

I would get all of those statements/transaction history together and identify each of teh charges you are going to reclaim. You can go back further that 6 years.

 

Put the information into the attached spreadsheet. Change the APR in the blue section to the one they were charging you on the card. Then in the list section underneath the coloured bits, eneter the date of the charge, a description and the amount. The rest of the calcs are done for you.

 

Send a copy of this spreadsheet with the preliminary letter to Opus. There is a template reclaim letter in the CAG library.

 

Regards

 

ims

 

CISheet.xls

[Brian2009]

Hi ims,

I though that claims had been ruled out for sums older than six years following your own case. Is this not the case? Some advice or direction would be appreciated.

Brian

[ims21]

Hi ims,

I though that claims had been ruled out for sums older than six years following your own case. Is this not the case? Some advice or direction would be appreciated.

Brian

 

Nope

 

Past six years is available usng S32(1)© Limitations Act. Which of my cases are you referring to? my mind's gone blank lol

 

Have a look around in the Barclaycard forum, particularl the successesy....there are many documented cases there which explain the rationale behind these types of claims.

 

Regards

 

ims

[Brian2009]

Hi

The spreadsheet is password protected, or is it just me being silly?

 

Forget - me being silly. Copied and pasted to new sheet, can now edit. Its my age!!!

Brian

[ims21]

Hi

The spreadsheet is password protected, or is it just me being silly?

Brian

 

Hi

 

Should only be protected for cells you don't need to change for example formulae....all relevant cells for accepting data should be open

 

Shout if there are still probs

 

Regards

 

ims

[Brian2009]

Hi

Following my prelim letter, I recieved a very generous, full and final offer of less than £60!! Not bad when the prelim letter caim was for £2600!!! It is, after considerable soul searching and thought, I feel the need to reject this very generous offer!!! LBA now in the post.

Brian

[Brian2009]

Hi Would I get a better settlement from the Finacial Ombusman than the offer made by Citi/Opus?

[dx100uk]

on what??

 

penalty charges or PPI reclaim or compensation for wrong doing.......

 

we are not mind readers....

 

 

dx

[Brian2009]

Sorry, repayment of penalty charges.

[dx100uk]

ah

i've just found your other thread..

thought getting info was going to be like pulling teeth for a minute there......

 

better to keep to one thread per claim brian

make life a lot easierfor everyone.

 

now.

you wont get rest int through the FOS - no way.

 

and you'll prob not get past 6yrs through them either.

 

in all honestly the court is the only way you'll get it

 

they might cave in before the hearing, not sure about citi's history on this

though i believe there is a citi forum here .

 

so if you were to just take the last 6yrs penalties and pop those in the CI SOC

 

is their figure anywhere near that figure?

 

dx

[Brian2009]

Okay. Opus offered £434 for charges (six years worth) plus £115 interest - calculated @ 8.% Using spreadsheet I found on this site, the interest at 34.5% would be £920. What would the FOS offer?

[dx100uk]

sorry try this one..

 

seems to be it