Jump to content


  • Tweets

  • Posts

    • This must be part of the new tactic from Evri.  They know they are going to lose. They take it to the wire and then don't bother to turn up in order to save themselves costs and of course they don't give a damn about the cost to the British taxpayer and the extra court delays they cause. This is a nasty dishonest company – but rather in line with all of the parcel delivery industry which knows that their insurance requirements are unlawful. They know that their prohibited items are for the most part unfair terms. They know for the most part that a "safe place" is exactly what it means – are not left on somebody's doorstep in full view. They know that obtaining a signature means that they have to show the signature not simply claim that they received a signature. They are making huge profits especially from their unlawful and unenforceable insurance requirement. Although this is less valuable than the PPI scandal, in terms of the number of people who are affected nationwide, PPI pales into insignificance. I hope the paralegals working for Evri are proud of themselves and they tell their families what they have done during the day when they go home.
    • Your PCN does not comply with the Protection of freedoms Act 2012 Schedule 4 Section 9[2][a] (a)specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; The only time on the PCN is 17.14. That is only  a time for there to be a period there would have to be a start and and end time mentioned. of course they do show the ANPR arrival and departures  times but that is not the parking period and their times are on the photographs not on the PCN. They also failed to comply with S.9[2][f] as they omitted to say that they could only pursue the keeper if they complied with the Act. That means that they can only pursue the driver as the keeper cannot be held liable for the charge. As they do not know who was driving and Courts do not accept that the driver and the keeper are the same person they will struggle to win. Especially as so many people are able to legally drive your car and you haven't appealed giving them no indication therefore of who was driving. Small nitpicking point-the date of Infringement was 22/04/2024. They appear to be saying that they can charge an extra amount [up to £70 ] if they have to use a debt collector. You do not have a contract with a debt collector so they cannot add that cost. You paid for four hours so it can only be the 15 minutes they are complaining about. You are entitled to a ten minute minimum grace period at the end of the parking period which would be easier to explain if the car park had been bigger. However if you allow for two minutes to park and two minutes to leave that gives you one minute to account for. Things like being held on the way out by cars in front waiting to get on to Northgate or even your own car being held up trying to get on to Northgate at a busy time. then other considerations like having to stop to allow pedestrians to walk in front of you or being held up by another car doing a u turn in front of your car. you would have to check with the driver and see if they could account for an extra one minute things like a disabled passenger or having to strap in a child . I am not advocating lying since that could lead to serious problems [like jail time] but there can be an awful lot of minor things that can cause a hold up of a minute even the engine not starting straight away or another car being badly parked as examples. Sadly you cannot include the 5 minute Consideration period as both IPC and BPA fail to comply with the convention that you can include that time with the Grace period.  
    • Defence struck out not case struck out...you have judgment  Well done topic title updated Regard's Please consider making a donation if not already to support us to help others.   Andy.   .
    • Hi all, I wanted to update you and thank you all for your help. I am delighted announce that after the case was struck out due to no response from Evri, judgement was issued after I submitted the forms and I was just about to take it to warrant.  today I received an email from the claims department requesting my bank details to make payment for my full award. The process has been long since the initial proceedings  in January i must say your help and guidance has been greatly appreciated.  
    • Quote of the century "Farage pops up when the country’s at a low ebb; like a kind of political herpes" - Frankie Boyle Updates
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CITI/OPUS CARD Terms and Conditions Cabot chasing


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3220 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

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.

Link to post
Share on other sites

Have you told them that the account is in serious dispute due to the failure to supply the CCA?

I do hope you've not been paying them anything?

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!

 

 

Link to post
Share on other sites

Opus bought out a lot of the Citi portfolio 3-4 years ago and I know Opus did send out some notification that they had acquired the accounts, although I suspect that as in your case, not all of them reached the account holders.

 

If it is any help, I completely ignored Cabot after a single letter sent to them as I too had no response from Citi to a CCA request, and have heard nothing from them for a couple of years. I wouldn't be surprised if Opus only picked up the accounts which had problems with enforceability to start with. I would do as BB suggests and record the fact that the account is in dispute following a failure to comply with your CCA request.

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

Link to post
Share on other sites

Yes I told them several years ago as they'd passed it on to FIRE who are still CABOT I sent them a copy of my previous letter. I was just curious about OPUS as I'd never heard of them. I certainly won't be sending any money to CABOT or FIRE.

Link to post
Share on other sites

  • 1 year later...

I've been holding off Cabot for about 5 years now.

 

 

They are claiming repayment of a Citi card debt, under the name of OPUS.

 

 

The latest letter includes a letter from OPUS.

it states that they do not need to include a signature box,

signature or date of signature in the copy agreements.

 

 

Cabot further state that I have received the card, PIN and susequent monthly statements.

 

 

I have never seen an OPUS CARD or PIN and have told Cabot this time and time again.

Link to post
Share on other sites

You send the prove it letter and then you do NOT respond or play any letter tennis games until they provide concrete proof of their allegation.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Also, was this said in writing or over the phone. because over the phone they will say ANYTHING to get you to pay. If they put it in writing, then they just made a very big mistake.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

It's all in writing, I've never had a conversation with either of the companies involved and they've been told several times to prove it.

 

Thanks,

 

 

I sent one years ago, but am about to send the updated one.

 

 

They also say that as I made a payment in 2010 to CITI,

 

 

that proves that the OPUS account is mine.

 

 

I'll wait for the next installment with bated breath (I don't think)

Link to post
Share on other sites

The old fictitious payment ploy rears its head again. Put them to proof that the payment was made, and was made by you. Cabot are very well known for inventing payments. It's technically fraud but they seem to get away with it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

sent them a CCA request not the prove it letter

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

cca request under s78 to cabot,

 

when does the account date from? was it citi or associates originally?

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.

Link to post
Share on other sites

It was originally Citi, I'd never heard of OPUS 'til Cabot wrote to me. I've sent the CCA letter to them years agoand all I've ever got back is T & Cs and now they say they don't need to include signatures according to a court ruling.

Link to post
Share on other sites

How old is this now?

Before it reaches SB? What is on your credit file?

 

Do you have proof/evidence that you sent them a CCA request?

 

Can you scan & post up the latest begging letter their computer sent you|.?|

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!

 

 

Link to post
Share on other sites

It was originally Citi, I'd never heard of OPUS 'til Cabot wrote to me. I've sent the CCA letter to them years agoand all I've ever got back is T & Cs and now they say they don't need to include signatures according to a court ruling.

 

 

 

only for compliance with your section 77/8 request

 

 

to enforce in court

they'll need your SIGNED agreement and theo riginal T&C's

for a citi card they don't stand a chance in hell

 

 

go read some citi threads in the forum you are in.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Theyre bluffing you. It's standard practice for this outfit. They don't have the paperwork but are too greedy to admit it. They will say everything else but the truth.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 5 months later...

I can't find my original posts on here so have begun again..

 

Still getting monthly letters from CITI,

plus phone calls.The latest letter is telling me they're reviewing the next steps available to them.

 

I.e.An alternative debt collection agency being instructed.

 

Instructing a solicitor to determine whether to take legal action

 

A field agent instructed to attend my home address.

 

I think they're getting desperate as this become Statute Barred at the beginnning of December.

 

Citi wrote to me in April 2020 tellling me my account was to be transferred to CCAM and would advise me when this accurred.

 

 

However I heard nothing from Citi 'til September 2010 when they terminated my agreement

and should cut up my card and dispose of it.

 

 

Enter Cabot some time later, asking for payment regarding an OPUS CARD.

 

 

I'd never heard of them, so informed them it was not my debt and invited them to prove it was mine.

 

 

February this year after much wrangling, they sent me the usual Terms and conditions from OPUS,

dated November 2010 saying it was a copy agreement and no signature was required

and that they would not be entering into any more correspondence re:The Agreement.

 

 

I received a further letter in March from Cabot, saying because I was resident at this address when the account was opened,

I would therefore have received the card, PINand subsequent monthly statements in order to use the card.

 

I've no idea what an OPUS card looks like and most certainly did NOT receive a card or anything else from OPUS.

 

What is my best next move please?

Link to post
Share on other sites

until/unless they find the signed agreement

best you ignore everyone

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...