New user with problem concerning Opus credit card

[typhoon777]

Hi All,

 

I am new user who is currently experiencing problems with Opus Credit Card (transferred from Citi Card) if you could push me in the right direction of where to post, I would be grateful.

 

Also a big hello to anyone and everyone, great resource you have here by the way.

 

Thanks

 

Mick

[ims21]

Hi

 

If you can let us know what problems you are having we can move your thread to a more appropriate forum.

 

Thanks

[typhoon777]

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

[ims21]

Thread moved to Citi forum

[ims21]

You tell them what they are going to get, not the other way around.

 

All of those charges that have been put on for late payment, being over-limit etc can be reclaimed together with the interest. Use this spreadsheet to work out how much you claim is.

 

CISheet v101.xls

 

Have you got all of the statements for the account showing the charges and the dates applied?

 

If not, SAR the lender to get as much information as you can on the account.

 

Stop trying to deal with this on the phone.

 

Everything in writing so you have a paper trail of events.

 

Also, is there any PPI on the account? This could be reclaimed too if it was mis-sold

[typhoon777]

Thanks I will do all that you have advised, many thanks for the reply

 

Mick

[dx100uk]

read a few thread s in this forum

 

dont trust a word opus say.

 

these cards have not been around for years

 

tell us the history please

 

is this on your cra file too?

 

dx

[typhoon777]

Hi,

 

The history is

 

I was originally with citicards and was on an payment arrangement,

they then swapped me over to Opus and put my interest up really high.

 

I wrote and complained a few times and they denied I was on the payment plan with Citicard

then they agreed I had been but only for 6 months

this has dragged on over a year and from paying £142.00 per month I have been paying something like £30 off the balance during it each month.

 

I have complained and not had a full answer about the payment plan dates

as i queried that the 6 months was over the transfer time to Opus

which they deny although they cant tell me when the 6 months ran from and to?

 

I have asked to go back on a payment plan

but they demanded an expenditure form be completed which i have done over the phone

 

now they say they want the balances on my other debts as well

or they will not setup the payment plan.

 

I have offered them £70.00 per month on a balance of about £2900

 

They have warned me I am incurring more late payments fees etc

but I didn t think I had to tell them what my other creditors balances are,

they have said as a good credit card company they want to know....

 

.should I just tell them.

 

.and what do I do about the complaint they havent answered?

 

Regards

 

Mick

[dx100uk]

never ever tell anyone your PERS financial details

 

they have no legal right to see it

 

only a judge can demand that.

 

can you get your CRA file please.

 

see below

 

dx

[typhoon777]

Hi,

 

I will sort out the CRA file after work today and let you know either tonight or tomorrow.

 

I seem to be a bit of a catch 22 situation as they wont allow me to setup my new payment plan without the creditor details and I'm a bit worried they will sell the debt on or people will come knocking, but its them blocking my attempts to pay them.

 

I certainly wont tell them anything now and I appreciate the advice.

 

Thanks

 

Mick

[dx100uk]

i'd hold on wanting make a payment

 

i have my suspcions about this debt.

 

might be an idea to read a few threads in this citi forum.

 

i think you'll soon get the idea

 

dx

[typhoon777]

Hi just checked my CRA and everything for Opus is AA or OK?

 

Mick

[dx100uk]

ok so

opus are in a way pulling your string

 

theres nowt wrong with the debt.

 

they've not defaulted you

so they must have been happy.

 

pers i'd just pay what you propse by YOUR internet banking site.

 

as for them passing it to a dca

 

they've got no powers

 

niether have any doorsteppers

 

they AER NOT BAILIFFS.

 

ignore the phone

ignore the threat-o-grams

 

get on and pay them what you comfortably can.

 

no judge would ever make you do otherwise.

 

get that reclaiming going

 

have you ever CCA'd them?

 

if not it might be funny to do it...

 

very many old citicards no-one has any paperwork on anymore

 

esp if your card is older than 2005

 

dx

[typhoon777]

Hi,

 

I will CCA Opus this weekend and let you know the outcome many thanks for the help.

 

Mick

[dx100uk]

they have 12+2 working days

 

dx