Citi bank/opus debt cca

[deepinthedoo]

Here is a link to my main thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?423375-Dealing-with-my-debts-the-road-to-full-and-final-settlement&p=4524884&posted=1#post4524884

 

CCA request made more than 12+2 days ago but here is all i have received from the dca in the last few days.

 

Do not look like the originals to me but i am not an expert

 

Views/advice appreciated as ever

 

Links to follow once edited

[deepinthedoo]

First letter received with a discount offer

[deepinthedoo]

"Agreement" Cover Letter

[deepinthedoo]

Agreement Main Page

 

I hope this is enough info for people to help me whether this fits the criteria of an original cca

 

Thanks for help in advance as ever

[deepinthedoo]

Should have put in OP

 

Currently paying £1 per month (agreed)

[dx100uk]

that's not the original CCA

 

that's a series of discount letter from connalt collections

and a copy of the recon agreement

after the debt was sold to newday.

 

they are debt buyers

 

where is the original citi CCA you SIGNED

 

without that

they are are stuffed.

 

dx

[dx100uk]

i'd be poss stopping payments

you've been cash cowed for far too long

 

when did you take this card out.

[deepinthedoo]

Thanks Dx i thought what i was seeing was not right

 

The card was taken out in 2008ish

 

I have just made a payment (last few days) so suspend payments for now and do nothing more or send a reply?

 

thanks again for ur quick and efficient help

[dx100uk]

how did you take the card out - online?

 

or did you sign something?

 

seems strange that newday have got a citicard.

 

its usually store cards they have from Santander.

 

did you ever get sent a notice of assignment [the debt has been sold?]

 

 

 

dx

[deepinthedoo]

how did you take the card out - online?

 

or did you sign something?

 

seems strange that newday have got a citicard.

 

its usually store cards they have from Santander.

 

did you ever get sent a notice of assignment [the debt has been sold?]

 

 

 

dx

 

It was Online

 

I do recall getting something saying that 1st credit had taken the debt but not so sure anything since then

[theoldrouge]

SAV Credit (Opus) became Newday ltd on April 1st 2014, pure coincidence the FCA took over that day then:-)

[dx100uk]

come to tink of it

 

yes I remember something now.

 

while i'm here

 

post 4 att shows you name and ad

 

unapproved

 

dx

[deepinthedoo]

Thanks dx and apologies

 

So to clarify i have just cancelled my monthly payment this evening. If and when they question this best to do nothing until they provide the original cca?

 

thanks

[dx100uk]

might be an idea to pop an sar off to citi

 

theres got to be a reason for that discount

 

odds on they'll be more to get then they are offering.

 

not PPI or penalty fess are there?

 

dx

[deepinthedoo]

cheers dx

 

will do an sar request this week

 

There were fees to be fair i am 90% sure they refunded me some a good while back

[deepinthedoo]

SAR request sent and payment suspended for now

 

Thanks for all help

[deepinthedoo]

cca received

 

demand for payment and it looks to be an original agreement

[dx100uk]

scan it up please

 

and the T&C they have sent with it.

[deepinthedoo]

printer/scanner broke

 

just got a new (second hand one)

 

providing it works will scan in this afternoon

 

thanks

[deepinthedoo]

uploaded to site in error

 

sorry

Edited July 10, 2014 by deepinthedoo
error

[dx100uk]

hi ya

can you please attach as pdfs as before

 

that site spams you bad for adverts

 

 

dx

[deepinthedoo]

Sorry all done

[dx100uk]

and the rest of it?

 

they say that's an sar but its not its a CCa return..huh?

 

so do they have a signed copy of the CCA

 

as all these Citi/BMIbaby stuff

 

as is here already in a good few threads

 

was proved to be a big smokescreen.

 

they'll NEED the signed agreement.

 

dx

[deepinthedoo]

There is plenty more but no sig

 

As the cover page says "we are not required to provide a signature"

[dx100uk]

ah sri its post 2007 and online signup.

 

did you send off that sar to get all the statements

to findout why it has a discount?

 

dx