Nolans (Scotland) nearly taking me to court - Newday/Opus Debt

[UncleAlbert12]

Hello.

 

 I got in a pickle (and I am still in a pickle) with debt.

Right now I am pretty much ignoring anything that comes through the door because it's all DCA stuff. I made the mistake of taking out an "easy" payday loan long ago and it turned into a bit of a spiral but hey, things could be worse.

 

I guess I made the decision to pay or start acknowledging the various debt accounts individually, if and when they decide to take it to court and I think it's happening to this account I can't be dealing with going to court to face these people.

 

The account that Nolans are wanting my blood for right now is as follows.

 

Newday Opus M/Card

£1500

Defaulted sept 19

This is a fairly recent account (opened <12-18 months) and maybe the most recent payment was within the last 12 months)

 

This letter was sent to me today! (Attatched)

 

I noticed that my credit file (noddle/creditkarma) has this account filed as 2 seperate accounts. is that normal? One with the original lender and one with cabot (both balances and default dates are ok and the same and it was last updated end of january?)

 

I am aware about sending CCA's and SAR's etc but not that sure why or when or if it will help. I am pretty sure I signed it online application (the cca) and I probably did get a default notice and notice of assignments)

 

Help.

 

 

 

 

 

[dx100uk]

Pdf please

Read upload

 

 

[UncleAlbert12]

Hello thanks and here is the updated upload

nolanscourt.pdf

[dx100uk]

When did you open the account?

 

 

Also with regard to pdlls why not send some irresponsible lending complaints off?

 

Dx

[UncleAlbert12]

Actually just checked and it was opened in Dec 2017 and the last payment seems to be in Feb 2019.

 

I could start sending irresponsible lending complaints but I am not totally confident about the do's and dont's about it all but I shall read up about this.

 

[dx100uk]

that's very quick for newday to sell it on.

 

as for the PDL's 

 

 

[fkofilee]

On side of what DX has posted

Please create a new thread for your PDLs.

[dx100uk]

So where does opus come into this?

They ceased issuance of MasterCard s 15 yrs ago

 

You sure this is a recent takeout one?

Probably so as you look to have been taking out bad credit file available lending only. And these stupid aqua cards sell themselves as good to improve poor credit ratings..total crap ofcourse

 

Nothing to stop you throwing an IRL complaint newdays way either..

 

Tell a bit more on the history of this card please.. 

 

 

[UncleAlbert12]

Hi dx100uk, yes this is the correct and recent one, the card i got is at opuscard.co.uk issued by newday 

 

Yeah, I started borrowing from PDLS while already having debt then it quickly went out of control borrowing more to pay off the last one etc when eventually I gave up trying to save myself from defaults and eventually got about 10-13 defaults.

 

What other history do you need. I unfort got the card, then slowly borrowed it all while paying min payments and eventually gave up.

 

I can start a new thread with all of my accounts but I am really looking for help on how to deal with Nolans. Should I just contact them and try make an arrangement? Will they even take it to court? Is it better to avoid that? or let it go and let the court decide if £25 p/m is ok or whatever and would I need to actually be in court.

 

I will need to get a printer for a start.

[fkofilee]

BTW Opus was revived by Newday a couple of years back so its just a brand name these days. 

[dx100uk]

Stick in an irl complaint to newday

with all those defaults they should never have loaned you. Same for every pdl you took out.

 

 

nolans are just acting as powerless wolves as they do for cabot who are equally powerless..a dca is not a bailiff and have no more powers than you or i.

 

note the letter doesnt say will anything.

Read it carefully...as you should any dca letter

 

Dx

[UncleAlbert12]

I apologise but I mean I gave up with everything THEN I got all the defaults. At the time I took out the opus card I was certainly riddled with PDL's but no defaults. I will get a printer as soon as possible.

[dx100uk]

Any late payments to the date of card takeout and how many pdls did you have on that takeout date too?