Help needed - joint credit card which was originally with citicards

[karenr31]

Thank you, hope they just go away but somehow i dont think they will.

[Old Cogger]

Post office profits must be hitting the roof with these jokers.

[57alan0]

Likewise - I asked them for CCA and they told me they would have to contact the relevant department. As far as I'm concerned they can go do one! If they were able to take this further why is it taking so long? Don't let them get to you and ignore them.

[karenr31]

Hi, Alan0, did you get your cca and statements too? got my husbands but nothing for mine yet.

[citizenB]

It is interesting that they are not prepared to accept your reduced payment offer.. but are prepared to offer you a huge discount? Am I missing something ?

[karenr31]

It is interesting but everything is as it is posted , they offered discount and have now sent statements but only for last year when account was with opus and account was started in 1999 with citi cards.not sure if they should have supplied a full statement from account opening ?

[57alan0]

Hi Karen. Opus sent me all statements as requested but declined my ppi claim - also sent reconstructed unsigned agreement. I have requested cca to say prove it from 1st and all I got was "they would have to contact the relevant department".

[karenr31]

Hi Alan,

same here the cc looks like reconstructed terms and the amount from sar differ from 1st credit but not by much,

confused as why would they offer discount if they can supply statements

although i suspect they know the cca is a recon.

 

I have the same as you on my own account regarding cca letter stated were contacting the relevant dept!

 

I suspect if i ignore the latest threat it wont be the last i hear. will keep posted.x

[The abused]

Hi karenr

I requested CCA via CITI 2 years ago. After 18 months

I recieved my £1 (cheque from CITI) back with a letter apologising for not being able to find my original CCA

and that it would be unlikely that action would be taken via the courts to recover any debts.

in the meantime they would still be looking for it.

 

Well I dont owe them anything anyway,

I aint heard from them any more, but I am going after OPUS for £7500 for interest overpayment due to removal of promotional rate.

 

I reckon you stand more chance of being struck by lightening,

twice in succession down a coal mine on a foggy night than get a CCA from them.

Believe me their left hand does not know what their right hand is doing.

 

As regard offers of payment I had similar with barclays business.

Made up entirely of charges circa £600.

 

i recieved a letter from credit solutions saying that the matter was being looked after by them

and that barclays were no longer in correspondence on this matter.

No letter of assignment or sweet FA.

 

I paid some as was stressed and a little green at that time.

I recieved a letter 50% off if i settled early on a particular date.

 

I phoned to pay via credit card and was told it was the full amount that had to be payed.

 

No way, i have not and will not pay a penny and that was 20 months ago.

 

Oh I get a letters about once a fortnight which come in handy to light the woodburner in winter

and as the gentleman said earlier keep the Post oficce in business.

 

So dont worry just ignore them!

Regards

The abused

[The abused]

One more thing is that I was informed by Credit Card Asset management while i was with OpUS that my account would be passed on to 'progressive management'

and that my account would be closed.

 

i still recieve monthly statements from 'opeless' stating I have £9750 credit.

OPUS complaints department are pretty useless too.

[The abused]

whoops another thing is that they should go back 6 years for your statements that is a regulatory minimum. they can obtain them from citi. They had mine right back to 1999. I think the postman needed a truss after delivery.

[karenr31]

update , letter from 1st credit ,

act now to avoid agent attending your property!

 

As a gesture of goodwill we invite you to make an offer of p.ment on direct debit mandate on form sent,

we require p.m monthly and we will accept your offer provided all p.ments are made monthly.

 

usual threat included saying no option but to start legal proceeding if i dont pay.

 

Any help appreciated.

[citizenB]

karen, could you please post up a summary of where you are with this, please?

 

From what I recall, you had already made an offer of repayment, which they refused ?

[Old Cogger]

update , letter from 1st credit , act now to avoid agent attending your property!As a gesture of goodwill we invite you to make an offer of p.ment on direct debit mandate on form sent, we require p.m monthly and we will accept your offer provided all p.ments are made monthly. usual threat included saying no option but to start legal proceeding if i dont pay. Any help appreciated.

 

 

Another begging letter, oh yes xmas is comming.

[dx100uk]

ignore them totally

 

dx

[karenr31]

Thanks again for all the help you guys are giving me.

[karenr31]

Hello again , recd letter today staing the following.

 

we regret the sum is still outstanding, we are considering issuing court proceedings against you.

this will include interest and judicial expenses.

please contact us to avoid any potential proceedings.

I must say im a little scared by this!

 

To date , we did not receive full statements covering 6 years as requested in our cca

The amount on osb differ by over £50.00

 

we have been sent a letter offered 30% discount and have been advised to ignore all as they have failed to send a full cca and a recon one was recd ,

statement recd were only from account from opus and not citi when account was taken out.

 

Please can anyone advise,

do we send a failed to supply full statements letter or ignore?

 

can they start court proceedings without the original cca.

 

Thanks again

[citizenB]

Karen,

 

So, they are considering taking legal action are they. Righto, then they must play by the rules.

 

Have a read of .. http://www.justice.gov.uk/courts/procedure-rules/civil/rules/pd_pre-action_conduct

 

Can you post up a copy of the letter they have sent you. I think we need to put the ball firmly back in your court. If they are going to start litigation then they MUST provide you with the full details before they do.

 

 

Follow the instructions below and you should have no problems .

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?362151-LBA-received-from-Fredrickson-Int-l-(Lowell-Nationwide)

 

 

Have a read of the link above as well. Another cagger is in a similar situation - where the account is in dispute due to lack of documents requested under CCA/SAR and has now written a letter using the Practice Directions - Pre Action protocols.

 

Once we have seen what your latest letter says then perhaps this could be the way to go.

[karenr31]

Thank you so much, will have a read through and get help with the scanning as no clue how to do this on my own.

but if it helps i will type up exactly what it says on letter recd. as follows

 

Legal Proceedings Being Considered

 

Dear ......

We regret the sum detailed above remains outstanding.We are considering issuing court proceedings against you.

If court proceedings are comenced we will include a claim for interest at the judicial rate together with judicial expenses, in addition to the principle sum of£........

 

You should be aware that as a result of any court proceedings we may obtain a decree against you.

You will appreciate this may affect your credit rating.

In order to avoid any potential proceedings please contact one of our agents on tel...... and agree repayment terms.

 

Signed head of collections.

on the side of the letter it has address , ref number .purchase date, client and balance.

 

I will get my son to scan it up later. thanks

[karenr31]

just to add to above post , 1st credit have added default monthly on my credit file? i

s this normal?

 

also no payment have been made to them at all and from january until may there appears to be a £ 5.00 reduction in amount showing on credit file

and from may until august it is now £56.00 less!

 

as i said before amount are different and thats why i requested cca with full statements from account opening.

[karenr31]

Produced_by_convert-jpg-to.pdf

Hi

 

I have attached the letter with all identifying information removed. Let me know what you think is the next course of action.

 

Thanks

[dx100uk]

is that sig ink or photocopied

 

seen almost the same letter many times

 

dx

[karenr31]

I think its photo copied but has been originaly signed in ink.

 

can you advise on pre action court than citizen advised earlier,

 

any suggestions how to respond as note sure if what they have sent is a threat or the real thing.

[dx100uk]

IMHO a threat.

 

dx