Thread: CapQuest and Egg county cort claim

I would say CCA letter is your next job and also stick in it that you want a statement for the account so you can see what the extra 150 is, probably unlawful charges. Also as Rory said also ask for a copy of the deed of assignment so you can see who owns the debt ie have capquest bought it or are they acting as collectors for Egg.
Good luck
ali x
PS remember to send your request via recorded or special delivery to get proof of posting and delivery.

And don't sign the letter. So as it's a DCA and you want extra info send something along the following lines:
Dear Sir/Madam

YOUR CLIENTS NAME: XXXX
YOUR CLIENTS A/C NO: XXXX

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter.

This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request.

Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.

I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

Also, since you are a debt collection Agency, I would also ask that you supply a signed true copy of the Notice of Assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER :

1. True copy of original credit agreement
2. Statement of account
3. Copy of the executed Notice of Assignment from Egg and Capquest.
4. Fair Processing Notice


As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. telephone calls and personal visits will not be accepted and viewed as harassment.
I look forward to hearing from you within the statutory time limit.

Yours faithfully

have just recieved a similar letter from CapQuest today so will be watching this thread with interest

First deadline starts when they receive it.
So;
12 Working - 31/10
Month - 1/12

Just sit back and WAIT for them to respond with your CCA.

or hopefully not

That;s nice of them.
So they are acting as an Agent for Egg and as such they CANNOT sue you in their name.
This of course doesn't stop Egg taking you to court if they want.

Yep the one you really want is the 12+month.

So no "agreement" then ??
Shame

Oh well clocks still ticking, so ignore CQ until they comply.