Thanks,
I had a credit card with Citi and it was transferred to Opus whilst on a payment agreement with their collections department, when it transferred they removed the smaller payment and ramped up my interest to about 39% and a payment of approx £145.00 per months was reducing the total by about £20.00 per month.
I complained in writing about this but they didn't answer the complaint in writing just on the phone and said I was only on that agreement for 6 months (this was the 6 months when it transferred). I have asked to go back on the collections payment and offered £70.00 per month and filled in an expenditure form with them on the phone but refused to tell them how much I owe my other creditors, monthly payment details I gave but not balances.
They have threatened me that if I don't supply the balances they will not put a payment procedure in place and I am building up all kinds of late fees and interest, do I have to supply them that information?
I thought it was something a court had to ask for,but I'm probably wrong, anyway how would you suggest I proceed.
Many thanks
Mick