Opus was Citi sold to 1st Credit - Now a default

[manxie]

You have now stopped paying them haven't you?

 

No I have not. Should I?

 

Thanks

[dx100uk]

I would suspect the original default was around the time you start reduced payments.?

 

that CCA from april 13 was simply T&C's wasn't

 

without an enforceable CCA I'd stop paying

you should have done that months ago.

 

dx

[Bazooka Boo]

No I have not. Should I?

 

Thanks

 

Yes definitely....

[manxie]

I would suspect the original default was around the time you start reduced payments.?

 

that CCA from april 13 was simply T&C's wasn't

 

without an enforceable CCA I'd stop paying

you should have done that months ago.

 

dx

Thanks for your reply.

Can 1st Crud enter another default on my cra files if I do stop paying?

[theoldrouge]

No an account cannot be defaulted twice

[manxie]

I have now heard back from all three CRA's and 1st Crud.

 

CRAs says they have contacted 1st Crud to make the amendment if correct. 1st Crud say they have written to Opus for the necessary paperwork. Well as Opus/1st Crud didn't supply the correct paperwork first time I asked, I can foresee the same happening this time. Should I complain to the ICO or some other body please?

 

Thanks

[Ford]

I have now heard back from all three CRA's and 1st Crud.

 

CRAs says they have contacted 1st Crud to make the amendment if correct. ...... Should I complain to the ICO or some other body please?

 

Thanks

 

 

see what they come back with first re any corrections? take it from there

[manxie]

see what they come back with first re any corrections? take it from there

 

Thank you for your advice. I will wait for the reply.

[Ford]

Thank you for your advice. I will wait for the reply.

 

 

if they dont get back to you fairly soonish, post back, see what to do.

[manxie]

I have now had a reply from 1st Crud which I have attached to this post. Thanks in advance!

[dx100uk]

you'll need to pdf it

pop both redacted pics into a single word doc and upload

 

 

dx

[manxie]

Pdf now uploaded - Thanks

[Bazooka Boo]

What a waste of paper!

 

Their idiocy knows no bounds does it?

Aside from the grammatical errors even a five year old could point out, who the hell in their right minds

would think that a CCA request refers to them and not the actual copy of the agreement they are chasing??

 

Fail on every point, I reckon one of the cleaners must've sent you that, or the speak & spell is on it's last legs?

 

IMO nothing for you to do, sit on your hands, they have nothing in order to chase you through the courts.

[dx100uk]

the original credit defaulted the account when they sold it

nothing to do with 1st credit

 

your issue is you continued to pay 1st credit when told years ago to stop.

 

now they are laughing at you

 

hope you've stopped paying now..

 

dx

[manxie]

Thanks for your input.. Yes I have stopped paying them.

[manxie]

What a waste of paper!

 

Their idiocy knows no bounds does it?

Aside from the grammatical errors even a five year old could point out, who the hell in their right minds

would think that a CCA request refers to them and not the actual copy of the agreement they are chasing??

 

Fail on every point, I reckon one of the cleaners must've sent you that, or the speak & spell is on it's last legs?

 

IMO nothing for you to do, sit on your hands, they have nothing in order to chase you through the courts.

 

Thanks for your reply. I have stopped paying them and I will do nothing more

[manxie]

Just by way of an update.

 

I have received from 1st Crud what they say is a proper copy of my original agreement with BMi.

 

Whether or not it is who knows.

 

In the letter they say that they are still waiting for a copy of the default and as such my account remains on hold.

[Bazooka Boo]

File 13 until, and IF, they can ever magic one up.

[dx100uk]

What was it a bmi baby one?

 

If so they ll never get the right t&c's

 

Can you scan up what they've sent?

[theoldrouge]

Just by way of an update.

 

I have received from 1st Crud what they say is a proper copy of my original agreement with BMi.

 

Whether or not it is who knows.

 

In the letter they say that they are still waiting for a copy of the default and as such my account remains on hold.

 

yes please post it up, if I remember correctly last time they sent you t&cs for an Audi Card an claimed it to be a true copy

of a bmi baby card:lol:

[manxie]

Dear all,

after nearly twelve months of nothing from the Ist Credit (apart from an annual statement)

 

 

today I received another default notice from Opus.

 

 

The content of the letter I find quite amazing. Both docs attached. Any ideas/help much appreciated.

Opissmall 2.pdf

opussamall 1.pdf

[dx100uk]

as stated earlier

they cant default you twice.

 

 

as long as the original default date is not changed

they can willy wave all they like

[manxie]

Thanks for the reply..I remember you saying that before but the old date for the default is better than a new one. Also I find once they enter information on my credit file I cannot ever get is corrected

[dx100uk]

yes you can get it corrected.

 

 

without me looking back

did you ever send CITI or OPUS an sar to get all the statements and the account/ comms log?

this will tell you exactly when they first defaulted the loan [or should have done]

that way if they do [enter a new default] change the date you complain to the ICO.

[manxie]

Thanks dx. I don't think so,

just a cca request.