Thread: Bye bye CapQuest and Egg

Around 4100 pounds written off. The debt had already been set aside by the county court, as I live abroad, but Egg never told CapQuest:

Well done alisindebt. Can you give me some advise as I too will be moving abroad. Just received back a typical uneforecable Egg agreement and about to send off an account in dispute letter. Any tips in sorting all this out before my move date? Did you tell your creditors your overseas address? How do you prevent a DCA enforcing CCJ papers at your old address?

Different people approach it different ways. Some people "disappear abroad" and the whole account eventually gets written off, although this can take 6 years. Even so, some DCAs have been known to "deposit" small amounts of money, such as 1 pound, in cash, claiming that YOU did it, so the account remains open.

Personally, I told Egg and others that I was living abroad but they still tried it on. Yes, the good people at Egg actually took out a CCJ when I was away, at my old address.

When I received the correspondence in my 6 monthly batches of post, I contacted the county court and said that I was not there. So it was set aside. However, the thoughtful people at Egg decided that even so, they would still employ a DCA to chase the debt. Of course, we all know that disputed accounts cannot be transferred lawfully to a DCA, but Egg decided to go ahead anyway.

They employed some company called CapQuest to chase the debt. In turn, they wrote to my old address, despite the previous dispute and also threatened CCJ actiion.

A lovely lady at CapQuest, let's call her "Ann MacDonald" (a completely false name for example purposes) offered to help by saying that I could pay small monthly amounts. Unfortunately, after a year or so, I discovered that the CCA was unenforceable and that it was illegal for Egg to sell a disputed debt to a DCA.

CapQuest wrote to close the account , although I did call the lovely Ann MacDonald to ask for my payments back.

Well, would you believe, she changed from being my helper to being my unhelper. All I did was ask for my payments back and got a torrent of abuse from her. I even offered to call her at home if that would be more convenient.

I suggest get all of your CCA and SARS done ASAP and notify them that you are going abroad. Try and go for a write off or a small settlement.

Eventually, yes, because I managed from abroad to write off the idiots at CapQuest (4900 pounds) who were illegally trying to chase an Egg loan, also the idiots at Lowell's (10500 pounds) who were trying to chase an Abbey credit card until I forced them to admit that they did not have the original CCA, they did not keep records back that far.

I am left with a second Egg loan, also unenforceable and have given them an opportunity to write it off. Finally, an Egg credit card, where they have repeatedly refused to give me card statements showing unlawful charges over the last 6 years (this would write off the card, so no wonder they don't want to give me this info!).

Why? Because I prefer to get the whole lot settled without leaving a mess behind, but it's up to those jokers now. They have messed around since 2005, so it's up to them.

How do you handle receiving your mail from the UK? Is it best to have it sent to a PO Box and redirected? Is it possible for it all to be returned to sender automatically?

A friend was sending mine, but more recently I wrote to everyone and said, if you want me, here is my new address.

I am sure that the new person in your old address will soon send it back if they see DCA letters, etc.

Once you have notified then banks of your new address, you've done your job, but keep copies of notifying them otherwise they say they never received the letters.

Thanks for your help.