Hi all, I have been contacted by Capquest trying to get me to set up an account to pay a debt they are saying I owe for £3500. This is all by email. the debt they are saying is with HBOS. here is a copy of part of it; Documents are not available to be requested from HBOS, however if you do not recognise this account I am happy to look into this further for you. This account opened 29/05/2002 and defaulted 20/08/2008. Do you recognise this account? I have told them I do not recognise this debt and also it is from 2002 and defaulted he said in 2008. Should I send some sort of official letter to them by mail?

Hi, my other half requested a lump sum payment from an old CIS pension he purchased in around 1982. He stopped paying into it when married life took over and since then it has unfortunately being taken over by Royal London. he initiated the request in April. After a phone call call to chase it up was told they couldn’t verify his bank ( he’s been with for over 20 years) so had to send a statement showing all details which he did straight away. Still heard nothing so he called again to be then told the signature on his form doesn’t match the one he signed in 1982! Was told a letter was sent but it never was. Also they now needed ID passport and utility bill. All sent signed post. They sent copies back two weeks later so he thought all was good but nope they are saying it’s got to be authorised etc. It said on the forms that payment is made at maximum of 7 weeks and that has now passed. I’ve been reading reviews on trustpilot and they are shocking so he’s now worried he’s never going to get it. It’s not huge by all means but will be helpful. On the last call she said they can open a complaint which he did but he’s fed up of them always finding an excuse for something. What can he do if they carry this on please? thank you

Just a quick update to say i have handed the whole lot to FSCS with regards to the ppi with APS. Will let you know of the outcome.

Ok thanks ims. Didn't want to cash it and them think that was it and i had accepted it! Miz

Bump

Can someone please advise over the £25 do i keep as part payment or return it? Miz

Thanks for replying dx but they did state that it was their final response so i guess i now need to go to the FOS? Miz

Received an offer letter from Kensington offering me £80 plus 8% bearing in mind the claim for fees was £400+. This was their final offer so i am not going going to accept i will refer to the Ombudsman for review. I am quite surprised actually as they have already been fined, just hate this waiting and messing about Miz

Cardiff Pinnacle wrote and back and said that they cannot find our account despite having all the info they need. I do have the monthly ppi payments showing on the mortage statements but don't know what else to do now, any advice? Miz

I received a letter back from Acenden regarding the fees i had charged while with SPML. They have finally sent me a letter after having dragged it out for as long as possible (first letter sent April!) saying in their exact words; 'Please find enlosed a cheque for £25 in relation to the above account. If you have any questions regarding this please contact our Insurance and Servicing Team. A £25 cheque was attatched to the bottom. The claim was for £2500ish with CI included. How cheeky is this? firstly can i ask someone if i should cash the £25 or return it back to them with a letter on either case asking where the rest is and what i should put? Thanks Miz

Central Capital wrote back regarding the PPI with Swift and basically now rejected all of my claim despite them keeping me dangling saying that they had partially upheld my claim. They said as we had no other insurance in place to pay the loan that we needed it at the time! What gives them the right to tell you what you need? I am getting all the info together to refer to the FOS now as i am not going to let them get away with this. Miz

Sent mine off for charges too a while ago, so far i have had two letters saying that it is taking them longer to investigate my claim bla bla bla..the latest one i had said they hope to respond by the end of May. I think personally they are seeing how far that they push me. Miz

Hi Capstone are now going by the name of Acenden but the address that ims gave you is correct as i too are trying to claim fee's from them it was SPML when i was with them then Capstone and now Acenden. Just make sure that you put in your letter the address that the SAR is relating to etc. Miz

42man what is a 'needs' statement? never had one of those!

I am quite worried though that the FOS will side with them as i did not conduct the account in a great way and only managed to pay a couple of full payments to them. My hubby was self employed at the time and we were really struggling to maintain any bills. Because of this they are saying that i should expect charges as the amount of payments missed etc....