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    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
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Capquest Have 3 of my debts


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Hi All,

 

i have 3 debts Capquest are writing to be about

 

- Student loan (old style) £4000

- Overdraft £1000

- Orange bill from 2005?! for £380

 

firstly i sent them a template on here 'i dont acknowldge...' CCA request, nothing yet more letters,

i recently sent them a 'prove it' style -

 

 

They finally replied.

 

- Student loan letter they have not responded to?

Shall i send a letter again? I did request a CCA from Erudio and they sent me pieces of this

 

- Overdraft response was very generic:

'We have been advised by 'bank' that section 74 of the CCA 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the CCA. Therefore we are not providing a copy agreement for the above'

Doesnt leave me with a very good idea of anything right?

 

- Mobile phone bill - they replied with the following:

'- This debt relates to Orange.....

- Account was taken out in 2007 and purchased by Arrow global in 2010

- The account defaulted in 2008'

 

Am i right in that this debt should no longer be active.

Firstly im NOT aware of it at all, they have show no CCA or proof, and isnt it statute barred now? Still on my credit file.

 

My uncle has been kind enough to lend me money so i would settle,

but first off i dont know who the hell Capquest are and they are not responding accordingly to me.

 

Any advice is appreciated

 

Many thanks

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stop entering into pointless letter tennis with a powerless DCA!!

 

 

make a new thread in the student slc forum for that one.

 

 

if you've paid nowt in 6yrs tes a debt is statute barred.

 

 

but it wont drop off your credit file till the default reaches its 6th birthday.

 

 

when did you last use the OD?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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leave the orange debt along its statute barred no need to do anything.

start a thread for the OD in the named bank forum.

 

 

one debt to ONE thread please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Capquest dont chase legit debts. Ignore them. By talking to them youve been marked as gullible.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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