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CITI/OPUS CARD Terms and Conditions Cabot chasing

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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.

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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!

 

 

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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.


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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.

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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.

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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..

 

 

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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

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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)

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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

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sent them a CCA request not the prove it letter

 

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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cca request under s78 to cabot,

 

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


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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.

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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!

 

 

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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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

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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?

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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..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Just commented on your new thread, but not to worry!


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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Thanks, that's what I thought, but best to check

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