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I'm new to this forum, so please excuse me if these problems have been voiced in the passed by other people.
My wife got a letter back in Novemeber 2007 from CapQuest suggesting that she owed them £400 from a passed Littlewoods account and she had to pay up immediately. The problem was that the debt referred to an account opened at our previous residence but some 6 six years after we had left it. The DoB information was also wrong, the CapQuest person immediately said something about fraud, not to worry about and they would investigate.
28th March 2008, she receives a second letter this time on Solicitor headed paper (from a H L Legal of Sampsons & Co Solicitors) threating legal action starting on April 2nd 2008 if she did not pay up immediately. After a brief discussion with a solicitor, we just sent back a letter requesting information about the debt (when account opened, address it was open at, dates of orders, who signed for the deliveries etc.etc) and accompanied the letter with a £1 as per CCA.
5th April 2008, another letter from CapQuest (no solicitor headed note paper this time) asking for proof of identity and proof of residence in November 2004.
We have not responded to the last letter yet, and I am currently of the mind not to - at least until the 12 days are up from our request for information and even we/if I do respond I don't want to give CapQuest any information that will help them .....
My real question is, am I doing right by waiting for the 12 working days to expire before sending anything back to them?
Am I right, in not responding to their requests for proof of identity & residence?
Is there anything else that we should be doing, in the mean time?
I'm new here too Rob and with similar problems.If this forum allows links I hope this may help that gives you some ideas and letter forms. capquest.tk
Godd luck and best wishes Kulu
One thing I have learnt from CAG , is that whatever you do do not ever speak to these - or any DCA , as they will be only interested in getting payment. Whether or not the alleged debt is yours . First thing is as I said CCA Capquest to see if they have the right and if need be write to the original creditor (maybe S.A.R) to see what the alleged debt is for etc.
Hi just for info you do not have to prove who you are it s up to them to prove that there is a debt and that you owe this debt. They have sent you the threatening letter etc. Just wait for them to write giving you further info then report them to OFT for breach of OFT guidelines on debt collection.
Hi there having delt with capquest since 2005 with the same problem i have come to learn that if they ask you for details it seems to mean they have no records! BUT they will still harrass you by post at least twice a year i have just recieved a statutory demand from them despite having requested proof of the debt in October 2005 so be prepared for a long ride.
yep they certainly are, there chasing me for a debt that on my credit file is satisfied
but there supposed to be sending me my statements as i can't get through to Solution Finance so i'm gonna wait till after then incase they don't send them.
Hi Everyone,
Well i have goog news at last after recieving the Statutory Demand i sent Capquest a letter stating i have all copies of previous correspondance including my request of proof and now over three years later they have sent me a letter saying they will no longer persue me for this debt wehey.
As i said its a long ride with these people but hang in there it looks like the Statutory Demand is their last attempt to frighten people.
CapQuest problems
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20/03/2008 settled in full out of court
Originally Posted by RobF
