I received 2 letters from capsquest basically saying they bought the debt from RBS and I owe them money but i've never had an account with RBS! I actually used to work for them but left a few years back. I'm thinking that the debt might be made up from staff benefits we used to pay month but thought I had paid everything due, I did move shortly after leaving, but generally I have not received any communication from RBS, or any indication I owed them money. I've emailed Capquest this letter but not sure if they accept emails.

Dear Sir

RE: Account Number:

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to RBS

We are familiar with the ‘Office of Fair Trading’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

We look forward to your reply.

Yours faithfully

Their letter says if they don't receive contact from me b4 29/Dec they will refer my account to their solicitors....

How can RBS sell a staff account on???

What do I do next, does capquest accept emails or should I post the letter?

Thanks

Thread moved to correct forum.

RBS are so strapped that they will be selling the furniture soon.

Send RBS an SAR and see what you get. Do it now.

Hmmm i'm not quite sure where to send the SAR...i didn't have a bank act with them so can't send it to a Branch...should I just send it to their customer services department - i don't want to make any mistakes?

What do I do about Capquest in the mean while?

Thanks for your reply.

Hi steffan

Send it to their Registered Office, send it Recorded. They have 40 days to respond.

Registered details

1. The Royal Bank of Scotland plc, Registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.
   

http://www.rbs.com/global/legal-information.ashx

Hmmm i'm not quite sure where to send the SAR...i didn't have a bank act with them so can't send it to a Branch...should I just send it to their customer services department - i don't want to make any mistakes?

What do I do about Capquest in the mean while?

 

Thanks for your reply.

Thank you so much for your help.

Ok I've just received a reply back from Capquest basically they want proof of address for the year 2006, copy of my ID and they want to know whether i've lived at a particular address...they said this is a REQUEST not a demand but have given me til 8th of Jan to reply which I feel is bloody cheeky!!

It's not for you to prove anything. Ignore the fools.

I'm afraid to ignore them, what will happen if I do?

The worst case scenario is that they take you to court.

If you are sure that you do not owe any money then there is no reason why you shouldnt respond to their letter and provide the info - may just be mistaken identity?

At the end of the day, you do not have to respond to them but they can keep trying to contact you if they think you are the right person. I spose it depends if you are that bothered about their letters/calls and whether you do owe a significant sum that they may actually pursue all the way to court.

As you have already asked them to tell you what the debt is about and they havent i would be inclined to report to TS now anyway.

Cap quest are taking over or should I say " acting on behalf of" to a lot of banks/ debts

They are hounding me but I ignore them

They haven't bought my debt so I just ignore

As I say with a notice of assignment just give them the swerve