I had a Citi card which has been Opus for some time now.
I have never had an Opus card but have just been paying of the old Citi balance.
Due to an ongoing divorce I wrote to Opus asking for a reduction in my agreed monthly payment from £50 to £25
and they replied agreeing to this request.
Since then they have twice threatened to default the account saying that I am not making the minimum monthly payment.
However when I spoke to them yesterday
they agreed that they have frozen interest and charges
but were not able to tell me why I was not making the required payment
when it is what they have agreed to in writing.
The lady said I was in breach of some agreement I have never heard of.
They are threatening a default and to sell the debt.
What is the best form of response please.