need help

have had 4 letters from capquest

got this one today,

threatening door stop call id I do not pay up and the man from scotcall will itemise what I have to cover the debt is I don't pay up.

this account has been passed around about 7 different collection agencies and everytime it was passed back to Lloyds

I have attached a copy of the letter and would be grateful if somebody could look at it for and advise me what to do I was going to send a cca request but not sure

NO do NOT discuss anything with some itinerant door stepper, they have no authority (just commission hunters).

IF they do call just state 'I do not discuss business with uninvited persons visiting my home, leave now or police will be called'.

You can as of right (OFT Guidance on Debt Collection) decide as 'to when, where and how you are contacted', by and debt collection agency e.g. in writing only!

Thank you for getting back to me, should I send a new CCA request to them and state at the bottom of the letter that I do not wish for a doorstop caller

Yes good idea!

phishing trip discount letter

pers i'd not bother

is this on your credit file?

see below.

dx

not sure as I haven't checked credit file for a while.

How can they expect you to clear that amount of money in 3 months? Thats ridiculous...

Try noodle itll give you info on your credit file

thank you

I will take a look, this

account has been in dispute for the last 5yrs

I have been passed around numerous debt collection agencies including at one time capquest

before being passed onto another and then back to Lloyds again.

Lloyds finally sold the account to Capquest and here we are now.

I am going to send a cca request tomorrow

but I think I am too late to stop the doorstop caller though

as the time scale they gave me to reply very cunning on their part.

If anyone turns up it'll be a miracle!

why are you so hung up on a dca's spoofing timescale?

they'll neve show up anyhow

hope you're not scared by this type of threat.....

DCA's or any DCA doorstepper ARE NOT BAILIFFS

they have NO SUCH LEGAL POWERS

never ever confuse DCA's with bailiffs!!!

never ever PAY a door stepper either

tell them to do one.

and call the police

dx

Thank you I will gladly do so:-D

Hi

I sent CCA request off,

got letter back from capquest on 17th sept advising receipt of my letter

and that they requesting a copy of the documentation requested from Lloyds Bank

and enclosed a copy of the letter of assignment.

I have not received anything since this letter

and was wondering if I needed to follow up with another letter or just wait to see if anything arrives!

you could sent the failure to comply letter

and stop any payments if you are making any.

however crapest will be well aware they can't demand or do nowt till they get it.

dx

Hi

Where on the forum would I find the failure to comply letter

Thankyou

library green tab top left

dx

ok thank you

Hi

Not posted for a while as things being very quiet, I have received this letter should I just ignore it as they still haven't come up with the agreement

Hi

Hopefully done it right this time

there nothing on that letter that says anything about you needing to do anything other than what you were already doing or done.

dx

Hi

Ok thank you

HELLO LONG TIME SINCE i HAVE POSTED REGARDING THIS DEBT

HAVE RECEIVED A LETTER IN POST FROM CAPQUEST STATING THAT THEY HAVE PURCHASED DEBT FROM LLOYDS BANK PLC AND TRANSFERRED TO CAPQUEST INVESTMENTS LTD.

NOT SURE WHATS GOING ON AS CAPQUEST INVESTMENT HAD TAKEN OVER REPORTING IT ON MY CREDIT FILE BACK IN JUNE 2014 AND THE DEBT DROPPED OFF MY CREDIT FILE IN NOVEMBER 2015 AS IT HAD BEEN 6 YEARS

CAN THEY START REPORTING AGAIN AFTER NEARLY TWO YEARS OFF MY REPORT.

Nope

Shall I just ignore the letter, just got my credit file looking half decent again

Just never ignore a claimform