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    • If your driving licence had your old address on I assume you never updated the address on your V5C?  It's the Registered Keeper address on the V5C that is normally used for parking notices.  The police officer may have told you that two notices would be sent out, one to each address, but personally, I would never rely on that.  The V5C address of the registered keeper is the address that is important, and must be kept up to date.  (Failure to do so is an offence in itself).   Did you get your mail re-directed by Royal Mail from your old address to the new one?   If you've only just found out about the conviction, I believe you can swear a "Statutory Declaration" and the effect of this will be to re-set the whole process, allowing you to pay just the original fine.  I think you have 21 days to do this from the date of finding out about the conviction.  You can arrange to do this at court or at a solictor's or notary's office.  They will charge a fee.   Others here know more than me about the process.   (PS - just a thought, it is your car and you are the registered keeper?  Not a lease or company car?)   [EDIT: mis-read the original post, I see you had changed your DL address but you had your old DL with you(?).   Had you changed the V5C address too?  Check the physical bit of paper to make sure.]
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manxie

Opus was Citi sold to 1st Credit - Now a default

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You have now stopped paying them haven't you?

 

No I have not. Should I?

 

Thanks

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I would suspect the original default was around the time you start reduced payments.?

 

that CCA from april 13 was simply T&C's wasn't

 

without an enforceable CCA I'd stop paying

you should have done that months ago.

 

dx


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No I have not. Should I?

 

Thanks

 

Yes definitely....


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I would suspect the original default was around the time you start reduced payments.?

 

that CCA from april 13 was simply T&C's wasn't

 

without an enforceable CCA I'd stop paying

you should have done that months ago.

 

dx

Thanks for your reply.

Can 1st Crud enter another default on my cra files if I do stop paying?

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No an account cannot be defaulted twice


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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I have now heard back from all three CRA's and 1st Crud.

 

CRAs says they have contacted 1st Crud to make the amendment if correct. 1st Crud say they have written to Opus for the necessary paperwork. Well as Opus/1st Crud didn't supply the correct paperwork first time I asked, I can foresee the same happening this time. Should I complain to the ICO or some other body please?

 

Thanks

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I have now heard back from all three CRA's and 1st Crud.

 

CRAs says they have contacted 1st Crud to make the amendment if correct. ...... Should I complain to the ICO or some other body please?

 

Thanks

 

 

see what they come back with first re any corrections? take it from there


IMO

:-):rant:

 

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see what they come back with first re any corrections? take it from there

 

Thank you for your advice. I will wait for the reply.

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Thank you for your advice. I will wait for the reply.

 

 

if they dont get back to you fairly soonish, post back, see what to do.


IMO

:-):rant:

 

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I have now had a reply from 1st Crud which I have attached to this post. Thanks in advance!

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you'll need to pdf it

pop both redacted pics into a single word doc and upload

 

 

dx


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What a waste of paper!

 

Their idiocy knows no bounds does it?

Aside from the grammatical errors even a five year old could point out, who the hell in their right minds

would think that a CCA request refers to them and not the actual copy of the agreement they are chasing??

 

Fail on every point, I reckon one of the cleaners must've sent you that, or the speak & spell is on it's last legs?

 

IMO nothing for you to do, sit on your hands, they have nothing in order to chase you through the courts.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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the original credit defaulted the account when they sold it

nothing to do with 1st credit

 

your issue is you continued to pay 1st credit when told years ago to stop.

 

now they are laughing at you

 

hope you've stopped paying now..

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks for your input.. Yes I have stopped paying them.

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What a waste of paper!

 

Their idiocy knows no bounds does it?

Aside from the grammatical errors even a five year old could point out, who the hell in their right minds

would think that a CCA request refers to them and not the actual copy of the agreement they are chasing??

 

Fail on every point, I reckon one of the cleaners must've sent you that, or the speak & spell is on it's last legs?

 

IMO nothing for you to do, sit on your hands, they have nothing in order to chase you through the courts.

 

Thanks for your reply. I have stopped paying them and I will do nothing more

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Just by way of an update.

 

I have received from 1st Crud what they say is a proper copy of my original agreement with BMi.

 

Whether or not it is who knows.

 

In the letter they say that they are still waiting for a copy of the default and as such my account remains on hold.

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File 13 until, and IF, they can ever magic one up.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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What was it a bmi baby one?

 

If so they ll never get the right t&c's

 

Can you scan up what they've sent?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Reclaim mis-sold PPI Read Here

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Just by way of an update.

 

I have received from 1st Crud what they say is a proper copy of my original agreement with BMi.

 

Whether or not it is who knows.

 

In the letter they say that they are still waiting for a copy of the default and as such my account remains on hold.

 

yes please post it up, if I remember correctly last time they sent you t&cs for an Audi Card an claimed it to be a true copy

of a bmi baby card:lol:


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Dear all,

after nearly twelve months of nothing from the Ist Credit (apart from an annual statement)

 

 

today I received another default notice from Opus.

 

 

The content of the letter I find quite amazing. Both docs attached. Any ideas/help much appreciated.

Opissmall 2.pdf

opussamall 1.pdf

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as stated earlier

they cant default you twice.

 

 

as long as the original default date is not changed

they can willy wave all they like


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks for the reply..I remember you saying that before but the old date for the default is better than a new one. Also I find once they enter information on my credit file I cannot ever get is corrected

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yes you can get it corrected.

 

 

without me looking back

did you ever send CITI or OPUS an sar to get all the statements and the account/ comms log?

this will tell you exactly when they first defaulted the loan [or should have done]

that way if they do [enter a new default] change the date you complain to the ICO.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks dx. I don't think so,

just a cca request.

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