Citicard to Opus?????

nelson1601

Hi

I am looking for some advice. Many years ago I had a credit card with citicard. Aprox. 4 years ago I moved out of the marital home and filed for a divorce against my ex-wife. My payments to Citicard would be paid each month by direct debit automatically. As its a new year I wanted to try and sort out my finances and noticed that I have payments going out to a company called Opus? I immediately cancelled the direct debit and eventually received a phone call from a rather determined Opus member of staff. I asked just who Opus were and how they got my number but they simply responded saying they needed to run some security checks with me before speaking any further. I have never set up any security questions with them, contact ended. I decided to write to them giving them my full address in a bid to find out what was going on.

Needless to say they wrote back saying I owed approx £7k and were demanding a couple of missed months payments. Given the fact that I had no idea who they were I decided to write to them confirming that I would not pay a penny to them unless I receive a copy of the original credit agreement using a template from here. I sent a cheque for £1 and approx a month later said cheque had been cashed and I have today received from Opus an envelope which provides me with generic copies of letters they allege was sent to me in April 2010 informing me that my account had been transferred from Citi to CC Asset Management and a further copy generic letter that was apparently sent to me October 2010 saying account was now with Opus.

Having moved out of the marital home in November 2009 I received none of these letter and or the credit card/pin number they also allege was sent out.

Opus have sent me a copy of my executed Opus credit agreement under Sect.78 and they are stating that this document is in response to my request to constitute a true copy of the agreement. They go on to say the copy agreement does not include the signature box, signature or date of signature in accordance with Regulation 3(2)(b)(ii) of Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983; as permitted by these regulations we are not required to provide them.

They confirm that they to date have been unsuccessful in obtaining the original document but will keep searching and will send on if found.

Their parting line is as we have confirmed that you have received the credit facility in relation to this agreement, you remain liable for the debt. You should continue to make you contractural payments in accordance with the terms of your agreement.

Apologies for the ramble but I don't believe this is enough to satisfy me that my debt is with them. Surely I am entitled to a copy of the original credit agreement I signed if they say they bought the debt? The reason I ask is the Opus interest rate is far higher than what I was paying with Citi and if I had been aware of the transfer then I would have transferred the balance to a 0% card.

Can anyone advise how I stand? and what I should do from here? Opus are continuing to add interest to the debt as well as late payment charges so each month the debt amount is increasing. I obviously don't want this to increase but in the same time want to be happy that I do actually owe this debt to them.

Help.....