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Hi...
Advice from you experts please???:tongue2:
Just received a demand from 1st legal today for £5100 pounds. It's a looooong story. Started in Feb 2012 when I noticed a credit card statement I was paying off albeit slowly from OPUS was not dropping as fast as I thought it would... Now, turns out OPUS (who had purchased this off Citicards) had continued the family tradition of sneaking in the old PPI (now renamed CRP). Now I fought a long, bitter battle against OPUS, in the end refused to pay them any more until they paid back what was owed. OPUS led me a merry old dance, in the end I carried out a SAR to recover this PPI application they claimed I had 'filled in', however this like apparently the actual original Signed Executed Agreement had 'vanished' Now OPUS obligingly gave me a OPUS version of an agreement, and apparently said..
As they had produced this in accordance with Consumer Credit (cancellation notice and copies of documents) regulations 1983 3(2)(b)(ii) they had complied with any Section 78 request and the original Signed Executed Agreement was not needed??? ..
Anyway, OPUS with the boot of the FOS behind them last september suddenly decided to Uphold my PPI, CRP or whatever you now called it and offered £4300 odd. I wrote back accepted the calculations of the offer but pointed out I had endured many months of hell and fob off over this and basically asked them to stump up my costs over this.... No reply, until today when they decided to hand this over to 1st credit... Actually they handed over the whole £5100 to 1st credit, so anyway, question, am I not entitled to a copy of the original agreement from Citi, or can OPUS use the above legal section to actually get around that???
Thanks
Advice from you experts please???:tongue2:
Just received a demand from 1st legal today for £5100 pounds. It's a looooong story. Started in Feb 2012 when I noticed a credit card statement I was paying off albeit slowly from OPUS was not dropping as fast as I thought it would... Now, turns out OPUS (who had purchased this off Citicards) had continued the family tradition of sneaking in the old PPI (now renamed CRP). Now I fought a long, bitter battle against OPUS, in the end refused to pay them any more until they paid back what was owed. OPUS led me a merry old dance, in the end I carried out a SAR to recover this PPI application they claimed I had 'filled in', however this like apparently the actual original Signed Executed Agreement had 'vanished' Now OPUS obligingly gave me a OPUS version of an agreement, and apparently said..
As they had produced this in accordance with Consumer Credit (cancellation notice and copies of documents) regulations 1983 3(2)(b)(ii) they had complied with any Section 78 request and the original Signed Executed Agreement was not needed??? ..
Anyway, OPUS with the boot of the FOS behind them last september suddenly decided to Uphold my PPI, CRP or whatever you now called it and offered £4300 odd. I wrote back accepted the calculations of the offer but pointed out I had endured many months of hell and fob off over this and basically asked them to stump up my costs over this.... No reply, until today when they decided to hand this over to 1st credit... Actually they handed over the whole £5100 to 1st credit, so anyway, question, am I not entitled to a copy of the original agreement from Citi, or can OPUS use the above legal section to actually get around that???
Thanks
However, when the debts are assigned in absolute, this may not always be the case. If the redress was never applied to the debt and the debt has been sold to 1st Crud, you could well be due a refund from Opus/Citi. :bounce:
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