Hi,

I am trying to finally sort my debt out after years of paying StepChange.

My vanquis debt went to CAPQUEST.

I sent cca request but all I got back was my electronic application and terms and conditions.

I read through this site and saw someone else had same problem

I then sent a letter to them saying they have not supplied what I asked. Etc etc and sent the t&c's back. I used the letter that was on here

Then today, 2 weeks later they just send me the same stuff again.

What is my next step

Thanks

When was it taken out. Was it by form or online. What exactly have they supplied.

When was it taken out. Was it by form or online. What exactly have they supplied.

Hi

It was taken out 2008/9 and they have supplied a document that shows my name and address

and is what looks like an electronic application.

I did apply amounts eon line years ago.

they have also supplied pages and pages of terms and conditions.

No credit agreement, no signature, no amounts etc.

Hi, Capquest have replied to my letter and just sent the same stuff again. what do i do nowThanks

So they havent complied. Not even with a reconstituted agreement

So they havent complied. Not even with a reconstituted agreement

Sorry for being thick, what's a reconstituted agreement. They just sent exactly the same copy of a computer application printout and Vanquis tc's

Sorry for being thick, what's a reconstituted agreement. They just sent exactly the same copy of a computer application printout and Vanquis tc's

That's an attempt at recon agreement, which Must have:

Your name and address at the inception of the account:

Same for the creditor:

The Terms & Conditions at the inception and closure of the account

Any documents mentioned in the Ts & Cs.

Any material changes to the T&Cs during the life of the agreement.

And a current statement of the account (not an historic statement or a breakdown of the amount owing).

Without all the elements the recon fails to meet the CRA request.

No, nothing like that. I guess they have failed to provide cca. I've already sent a letter about them not complying, what do I do now

Thank you

Ok unless the " document" provided has all the elements listed it does not satisfy the CCA request as a "recon " agreement.

Leave them to reply to your nom compliance letter!

Hi, heard back today. they say my application form and the separate terms and conditions is enough. I will post up the application tomorrow. I don't think it's good enough. It's not signed

Hi, heard back today. they say my application form and the separate terms and conditions is enough. I will post up the application tomorrow. I don't think it's good enough. It's not signed

I don't think it will form a viable recon for court action from what you say so far, might just satisfy the CCA request.

This is terms n conditions

This is terms n conditions

Is that all?

I have an agreement from Vanquis on file there is much more than that to it.

No, that's just the first page, it goes on bit gets less and less relevant. I will post up tomorrow with my electronic application.

Hii am posting up the entire terms n conditions and application form and latest letter from Capquest for vanquis. Please advise accordinglyMany thanks

Application isnt completed fully, and as far as i can tell, where are any updated terms ?

have you received statements from the OC or even crapquest.

IMO it is close, but doesnt fulfil it.

However, that would be up to a judge to decide if capquest try and chance their luck.

No, i never received any statements.

I challenged this years ago as i put in a complaint to get my money back for substandard goods etc under the credit card thing act.

It was upheld and i was awarded back the 1750 ,

then they changed their minds and added it.

This put me up to owing them loads and then they sold it.

They were really difficult to deal with.

So what do i do now?

i keep writing to them theyll just send the same stuff through.

What happends next?

Thanks

So the entire debt is dubious. Ever sent a SAR to vanquis, and told capquest the debt is still in full formal dispute with vanquis? Tell them if you already havent and ignore their silly reply that will be that You need to tell them why its in dispute.

Not yet, got so many to send. Is it worth it is the debt is not enforceable in court

If theres charges/insurances to pay and if you want to get rid of them for good then yes. However, the choice is down to you. Capquest will take a chance if they think they can get judgement by default, then theyll go straight to the jugular and get charging orders/hceo's/AOE's etc before you realise what your rights are.

I will sarv them. It's that straight to vanquis

yes

HIStill heard nothing except Capquest rang me on Sunday . I have a complaint in with them but they say that they have followed the guidelines and i will go to court. Theyre not being helpful. Anyway, they said in their letter that they will respond by 4th Nov. It seems they dont communicate with each other at Capquest. I also wrote to them saying i was about to apply for a DRo and could offer them a full and final for £250.00

HI

These guys keep calling me and have offered a settlement of £1550 I cant afford that.

They still havent provided a CCA despite letters and complaints etc and

they have acknowledged my complaint.

I f i pay monthly a small amount until it drops off my file in 2016

then if its not showing and not enforceable

then can i just leave it as it is?

thanks]

so fed up of this one

no cca = no pay

dx