Citi / Opus / Cabot

[thepopman]

Hi fellow sufferers,

I have been trying to get a SAR from Citi Cards now for over two years, the present situation is as I now understand it :-

 

Citi sold account to Opus who never advised me of this (reason explained by Opus) account was in a suspense account so no interest would be charged and no statements would be sent) hence no letter to advise account was moving.

 

Opus then sold the account on to Cabot who sent me a letter to advise that they had bought the account from Opus.

I contacted Cabot and have always maintained I did't know who Opus was and they have advised me that many people say the same.

 

The big question How do I move forward and what is the legal standing on accounts being sold or transferred without being advised

do I have any recall on either Citi or Opus as neither advised me of the pending changes.

 

(foot note) Opus stated verbally that they could see this on their screens and were puzzled as to why neither they or I had ever had any communication before yesterday

[dx100uk]

how old is this debt?

 

tell us the history please

 

dx

[thepopman]

Hi The card was taken out originally with Associates s back in 2001 if my dates are right this then transferred to Citi Cards as has been with them till last year.

I believe the transfer to Opus was in the last 18 months then to Cabot in Feb/ March this year hope this helps

[dx100uk]

when was YOUR last financial transaction on it

and

does it show on your CRA file

 

dx

[thepopman]

I think that i used it 2009 but not for a long time

Yes shown as default with Cabot but did show Default Citi

Never seen Opus as listing

[thepopman]

I have just found an Alert on Experian that said this account was settled on 30/04/2010 I know that this is wrong but shows how things are mashed with this account.

be interesting to know who had the account then.

[thepopman]

I have just found an Alert on Experian that said this account was settled on 30/04/2010 I know that this is wrong but shows how things are mashed with this account.

be interesting to know who had the account then.

[dx100uk]

so crapbot have brought the debt and it was defaulted by citi when?

and that now has crapbots name against it.

 

your cra file sould indicate your last payment too.

 

as for this alert

 

if its in writing from them

keep it safe and use it against crapbot then.

 

dx

[thepopman]

No its only an alert that I found listed on Experian, I have copied it and printed it out

States:-

 

NAME XXXXXXXXXXXXXX

ADDRESS XXXXXXXXXXXXXXXXXXX

DATE OF BIRTH XXXXXXXXXXXXXXX

COMPANY NAME CABOT FINANCIAL (UK) LTD

ACCOUNT TYPE CREDIT CARD / STORE CARD

STARTED 01/10/2001

CURRENT BALANCE SETTLED

SETTLED ON 30/04/2010

FILE UPDATED ON 05/06/2011

STATUS HISTORY ( 8 )

 

but when you look at my file its gives a different story with the correct info

[dx100uk]

per i'd query this with the CRa

 

ask why when you settled in april last year

the status is still showing [8] default

 

dont tell then you didnt actually settle in apr 10 though

 

see what they say.

 

it might just be a history marker

 

puzzles me

 

dx

[madladuk]

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

[dx100uk]

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

 

start your own thread

se my sig below

 

dx