Asked to contact Opus Limited for a personal matter

[Heatwave23]

Hi All

 

Received an email today to call Opus with a case number to discuss a personal matter, if I am the person that they are looking for?  They have my email address from somewhere and are using a surname I stopped using years ago.

 

I sent a CCA request to a previous company in 2019 for an alleged debt but no information was forthcoming and it was put on hold, assuming its in relation to this.

 

Should I call them or respond by email. 

 

Do I need to send another CCA request to this company?

 

Any advice would be appreciated, feeling rather worried at the moment.

 

Thank you.  

[dx100uk]

if you sent a cca request and it had you current and correct address on it and you have not moved since then you are safe to ignore totally

 

and ofcourse by routine you should be ignoring all emails/txt/phonecalls from ANY DCA.

 

they are not bailiffs and have 

ZERO legal powers on ANY debt - no matter what it's type

 

dx

 

[Heatwave23]

Thank you for the quick response.

 

I did move months after the CCA request was on hold and pretty sure that didn't update my address with the DCA, does this change things?

[dx100uk]

then as i say above

you MUST protect against backdoor ccj 's on EVERY debt that meets my criteria.

and dont forget the DVLA twice ONCE for CAR

once for Licence.

 

get it??

 

ops not you.

 

ok you must never run from debt!

 

if you have a debt that you last paid/used with anyone, say in the last 7yrs

WRITE to the debt owner telling them your address.

[Heatwave23]

Thank you for your reply and sorry but who do I need to write to, the last DCA that I sent  the CCA request to years ago?

 

Do I still not contact this new company?

[dx100uk]

so this was an old opus credit card?

when did you take it out ?

and last pay it?

is it on your credit file?
 

 

 

[Heatwave23]

Thank you for your response.

 

I actually have no idea what its for, as they haven't given me any details. It looks like a fishing exercise.  I'm guessing its an alleged credit card taken out in the 1990's, and loan debt, taken out around 2002.

 

The accounts were sold by assignment to a DCA in 2009 and I was making token payments until 2019 when I  sent the DCA requests.

 

It came off my credit file in 2019, when they couldn't locate any paperwork. I will have to check my credit file again tomorrow but assume that they can't just add it back on.

 

I can remember the bully boy tactics at the time by the DCA, constant phone calls, letters and threats and  just want to get straight what I need to do now.

 

Thank you for your help.

[dx100uk]

i think you have the name of who is chasing you wrong

it's opos whom are a DCA not Opus who were a creditor and a credit card provider.

 

do you know who opos stated client is?

 

 

 

 

[Heatwave23]

Thank you for your reply but they haven't given me any information, they want me to confirm my name with them.  The loan was with Liverpool Victoria and the credit card with CSMA, I'm guessing that its this.

 

Do I contact them and advise about the CCA request, but realise as I didn't update my address with the last DCA that things could have changed.

[dx100uk]

You write by royal. Mail simply giving your correct address.

 

Who were the other dca's that you mention.

 

[Heatwave23]

Capquest was the  first DCA, who I sent the CCA request to, they said account was on hold while they tried to get the paperwork, I hadn't had a reply in 6 months and then I moved.

 

The new DCA  are asking me to confirm my name, the alleged debts are in a old name that I don't use and haven't for years, do I just confirm my legal name now and ignore the question? 

 

Sorry for all the questions, just getting really stressed by it all and thanks for your help.

 

 

[dx100uk]

Opos often work for capquest.

 

When was the last time tou paid either of these debts it might be?

 

Dx

[Heatwave23]

One was paid in March 2019 and then the CCA sent and one in June 2019 and CCA sent, I moved that year but had post redirected until November 2019.

[dx100uk]

Are you happy whichever debt it is both were chased by capquest? So they must own both debta?

 

[Heatwave23]

Yes, they had both assigned to them by the original creditor and were dealing with both. 

 

When I write to them, do I answer the question about my name or just provide my new address? 

 

 

[dx100uk]

Nope a debt can't be assigned twice by the original creditor 

 

Once sold and you've had a notice of assignment from oc/buyer that's it 

 

Now is the buyer could sell a debt on again but you get another notice of assignment.

 

So have you those

[Heatwave23]

I have the notice of assignment from the original creditor, from 2009 where it also states that LV were closing their bank, sating the alleged debts were being sold to Capquest.

 

I can't find anything from Capquest but in all their letters they state debt purchased from Liverpool Victoria.

 

So I assume that I write to Capquest about my new address and not OPOS or both?

[AndyOrch]

 

 

Quote

Nope a debt can't be assigned twice by the original creditor 

It can if its returned back to the original creditor...which does happen

[Heatwave23]

I'm very confused now, as I wouldn't know if this has happened as they have an even older address for me.

 

 

[dx100uk]

Well whomever owns your two debts, you must write giving your correct address else you are in danger of backdoor CCJ 's using an old address.

 

and thats most probably what this phishing exercise is about.

 

Dx

[Heatwave23]

Thank you for the reply.

 

so I will write to both DCA's and advise of my address by recorded post.  

 

Anything I should be doing while I wait for their responses?

[dx100uk]

God no need for recorded post, just use a 2nd class stamp and get free proof of posting from any po counter.

 

And of course I would mention their ref number and the original creditor and debt type in the letter too 

 

Pc print name  do not sign

[Heatwave23]

Thanks for you help in this its really appreciated.  They are in the post, I will update you when  I get a response.

[Heatwave23]

I've now had a reply from Capquest, Opus are now dealing this matter. I sent a CCA request in March 2019 to Capquest, which they acknowledged and sent a few holding letters, but were unable to provide any details of this alleged debt. I hadn't had any details in the post about this matter for 9 months, then I moved.

 

Do I just write advising that I  haven't had any details about this alleged debt since the CCA request and see what they say?

[AndyOrch]

just inform Capquest of your new address.