Hello all not been here for for a long while. wrote a letter to OPUS but no reply, Anyone have an address for them please

sharmads I would start by requesting a subject acccess request which will cost you £10 and should go back at least 6 years, You can pick the template letter up from this site. I understand your sceptism as they are devious and crafty. By stating you never had PPI whilst with Barclays does not mean you did not have any while you were with egg. Another advantage with the SAR is it will tell you what charges have been applied to your account. The unfair ones you can claim back. Regards

whoops another thing is that they should go back 6 years for your statements that is a regulatory minimum. they can obtain them from citi. They had mine right back to 1999. I think the postman needed a truss after delivery.

One more thing is that I was informed by Credit Card Asset management while i was with OpUS that my account would be passed on to 'progressive management' and that my account would be closed. i still recieve monthly statements from 'opeless' stating I have £9750 credit. OPUS complaints department are pretty useless too.

Hi karenr I requested CCA via CITI 2 years ago. After 18 months I recieved my £1 (cheque from CITI) back with a letter apologising for not being able to find my original CCA and that it would be unlikely that action would be taken via the courts to recover any debts. in the meantime they would still be looking for it. Well I dont owe them anything anyway, I aint heard from them any more, but I am going after OPUS for £7500 for interest overpayment due to removal of promotional rate. I reckon you stand more chance of being struck by lightening, twice in succession down a coal mine on a foggy night than get a CCA from them. Believe me their left hand does not know what their right hand is doing. As regard offers of payment I had similar with barclays business. Made up entirely of charges circa £600. i recieved a letter from credit solutions saying that the matter was being looked after by them and that barclays were no longer in correspondence on this matter. No letter of assignment or sweet FA. I paid some as was stressed and a little green at that time. I recieved a letter 50% off if i settled early on a particular date. I phoned to pay via credit card and was told it was the full amount that had to be payed. No way, i have not and will not pay a penny and that was 20 months ago. Oh I get a letters about once a fortnight which come in handy to light the woodburner in winter and as the gentleman said earlier keep the Post oficce in business. So dont worry just ignore them! Regards The abused

Hello folks, long time since I have been on site. To summarize recent events I have paid OPUS the outstanding amount owing circa £7000 but now I dont have £200 interest to pay a month. I sent them a letter regarding the unfair removal of my promotional rate in 2008. I recieved a rather condescending reply explaining that it was because I had breached my agreement. I do not believe I had. I am drafting a reply now. I had made a late payment actually 2 in 6 months. Recently by mistake I discovered the Credit Card Accountability, Resonsibility and Disclosure Act 2009 (little ole USA) interesting reading. It can be summised after this act was put into force an explanation why CITI were not sending out copies of the original agreement. Further more it sets out limitations on what credit card companies cannot do. According to this act passed by congress, you would have to be 60 days late on your payment to warrant an interest rate hike on a promotional rate (this rather contradicts the OPUS reply to my letter which they claim missing or making a late payment is in breach of my agrrement) This act was as far as I am aware put together to protect consumers as certain penalties (normally financial) were applied to individuals who made a late or missed a payment. The old original agreement states along the line of if you seriously or repeatedly breach your terms and conditions. Now if I miss a payment once that is a one off, if I miss a payment again I have repeated it. if I then miis a third payment I have repeatedly breached. So from this is can easily be understood as to why to be fair to the consumer a 60day period is allowed, furthermore, even if you were guilty of this, if you maintain your payments after 6 months it is required that the original or promotional rate be reinstated. Now my biggest question of all. Why has this policy not been adopted over here? It seems believable that CITI were aware or there unfair penalties and rather settle them, they ignore your letter of complaint, spend nearly a year in supposedly looking for a copy of your original contract before returning your £1 and telling you they cannot find it whilst in the meantime unloading their shabby underhanded business onto somebody else. I am writing a polite letter to OPUS requesting my refund this weekend (letter before action), Failure to reimburse me will result in my taking legal action to recover it. I believe this policy they have is just as bad if not worse than PPI payments or Libor interest rate rigging. The dear ole USA fined Barclays bank for their underhanded practices perhaps we could hope if our spineless ministers were up to it of fining CITI and any other Credit Card company who have adopted these practices. Waqtch this space! Regards The abused

it is very comical to see the dialogue. it does however depict the level of intelligence of barclays banking staff as well as the lack of sensitivity required when somebody has passed away

4 cans yes look through and fine relevant templates, this site is a great source of help. With regards to ur VAT, you need sort this asap. Contact HMR&C and tell them of ur cash flow predicament and ask what they think is best for u to do. ask if you can pay in installments and ask for as much time as you can. At this stage if you have not been late with VAT before they will from experience help you. They are human and do understand the problems businesses are having. The worst they can say is they want paying now as is overdue and even then you will have a little grace as they will then go through IQor their debt collector. When that happens you will have 7 days they will then send a bailiff and if that aint enough take you to court for any shortfall and yes they really will bugger your credit rating. But me thinks they will help you. but believe me if you ignore them you will up to ur neck in it. If you have an accountant you can ask them to do it on your behalf. You may think I am going on a bit but I cannot stress the importance of this. On the bright side I think you will get through ok, ie ur cash flow. you will end up wiser and feel a lot better. I wish you well in ur business which I know in the present financial climate is difficult. Companies dont wanna pay up till the last moment. Its cashflow and everyone is suffering

Hi 4cansastella I would not be too bothered about trying to maintain ur credit rating as banks aint lending anyway. I recently tried to open a current account with HSBC basically to put money in only. I was told i had too much unsecured debt this is despite me wanting to put over £90,000 into the account. So you need look after number 1 ie yourself. I would if I were you plead financial hardship and offer token payment of £1 a month to creditors. Let them know that you intend to pay more when ur financial position improves. U must address the issue non payment of VAT, I was in a similar situation to you a while ago. After being late for about 6 months for non payment of VAT I had to pay my VAT plus fines to a company called IQor. 7 days to pay or bailiifs. They can come in seize ur goods and take you to court for the rest. I suggest you contact HMR&C on this issue. if its the first time you have been late with payment then you will recieve a letter from them pretty soon I think. This will not be an immediate demand if its first breach of non payment. That will come later if you ignore it. Please sort this issue before worrying about finance hp or credit card. Ur Credit cards: you need the PPI back plus compounding interest. So request CCA and SAR. Barclays Bank I have been with for 30 years and they are out to squeeze as much out of anyone as they possibly can. Try an open ann account elsewhere but I think you may experience difficulty. I am similar age to yourself and used to believe its right to pay what we owe and try and protect our credit rating. I have paid over 42000 over past 3 and a half years paying off loans. I realise now I would have been far better off pleading financial hardship offering a few pounds a month and getting interest frozen. At the end of the day the money is better off in your pocket than a creditors who stuffs you with high interest rates, You must look after yourself as the creditors will not. Yes like yourself I am self employed with own company. Have u been trading long enough to apply for a business loan or even an overdraft facility? maybe worth a try.

Yes absolutely must be in writing. Very odd evening phone call however! regards all

I sent a letter to OPUS 3rd Jan via special delivery. 5th Jan informed by the OH that i have recieved a phone call from CITI wanting to speak to me. Would not say what about and told it was defiinately CITI. Very odd!

Well not got time to redo. Just will say account still with OPUS and not progressive credit ltd.

oh wondreful just wrote out my ongoing dispute with OPUS then I am told I cannot submit reply:mad2:

Words fail me as this is absolutely discusting. As individuals there does not appear much we can do apart from take legal action against these parasites. As a group we should achieve far more. So the question must arise what can we do as a group ? I have had a problem with CITI which the account is now OPUS owned by BOS and now OPUS are moving the agreement to "between myself and Progressive Credit Limited) It would appear that every time you submit a formal complaint they move you on. Why? They either fail to reply to your correspondence altogether or take months in replying totally dismissing ur complaint and closing the "file". I am however, not giving up and sooner or later judgement day will come. ps does anybody have a copy of CITI terms and conditions pre December 2008? Regards to all

Hi m22. Have you recieved correspondence from opus yet. I have had a letter informing me that my agreement will be between myself and Progressive credit Ltd under license from CCAM.