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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Capquest for Santander - still demanding moneyy my late husbands debt **ACC CLOSED**


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Hi, I just wanted some advice please.

My husband passed away 2 months ago. He had an old santander card which was taken over by capquest.

I wrote and told them what had happened and sent a copy of the death certificate.

I received a letter from capquest today addressed to my dead husband saying they are sorry for the delay and are waiting for santander to get back to them and they will contact him soon.

I am so angry and upset I just want to know who I can complain to. I am going to write to capquest and send the original letter to santander and I also though the fca?

Just wanted to see if there was anyone else I should write to or if anyone has had anything similar happen.

It's been a struggle to come to terms with my husband's death, it was sudden and completely unexpected.

I know dca's are the lowest but this has upset me so much.

Thanks

H

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Guest Mrs Hobbit

Firstly, please accept my condolences. No death is easy to deal with, and then to get a letter like this just makes it harder.

 

I would send the letter back, write on the envelope it came in Mr X now deceased. this happened to me, and as husband was buried at sea, i sent them the latitude and longditude of his burial as his forwarding address. I had notified all our creditors of his passing with a copy of his death certificate; one firm did not action this and kept sending me letters addressed to him, so i just sent them back with the details of his burial as a forwarding address for them.

 

Santander are the pits to deal with in this situation. they are supposed to have dedicated Bereavment Team, but if Capquest are the DCA's I would just return the letters to them. Seal the letter back up and send it back. Reporting it might be cathartic for you, but nothing will be acheived apart from a slap on the wrist with a wet bus ticket if at all.

 

Santander do not have a joined up computer system so left hand does not know what right hand is doing.

 

Is the card debt SB? Of course if the debt was husband's only they could chase for repayment out of his Estate. if it is SB and old debt, it's a different game.

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Hi, I just wanted some advice please.

My husband passed away 2 months ago. He had an old santander card which was taken over by capquest.

I wrote and told them what had happened and sent a copy of the death certificate.

I received a letter from capquest today addressed to my dead husband saying they are sorry for the delay and are waiting for santander to get back to them and they will contact him soon.

I am so angry and upset I just want to know who I can complain to. I am going to write to capquest and send the original letter to santander and I also though the fca?

Just wanted to see if there was anyone else I should write to or if anyone has had anything similar happen.

It's been a struggle to come to terms with my husband's death, it was sudden and completely unexpected.

I know dca's are the lowest but this has upset me so much.

Thanks

H

 

I can see this is upsetting. Capquest may just be chasing the debt for Santander, so i would suggest you send a formal complaint to Santander head office addressed to their Chief Executive.

 

If the card was in his sole name, there is not much that Capquest or Santander can do about this debt. Perhaps a complaint might lead to Santander just writing it off.

We could do with some help from you.

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Thanks for the replies. It was in his name only and he was paying a token amount each month. My original letter told them there was basically no money/estate left by him.

I will send a formal complaint to the head office with a copy of the original letter. If nothing else at least I will feel as though I'm doing something.

Thanks again

H

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roup

 

 

Mr Nathan Bostock Chief Executive

 

Email [email protected]

 

Telephone 0800 171 2171

Website http://www.santander.co.uk

Social Media T F

 

Postal Address 2 Triton Square, Regent's Place, London, NW1 3ANM

Company Number 02294747C

Company Status Active (Established 12/09/1988)

 

See also Customer Services for Santander Group

Companies House data for UK companies from 02294740 to 02294749

 

 

Related lists UK Companies

:mad2::-x:jaw::sad:
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Capquest

 

Ms Helen Ashton CEO

 

Email [email protected]

 

Telephone 01252 576371

Website http://www.capquest.co.uk

 

See also Customer Services for Capquest

 

Related lists UK Companies

 

Advice from CEOemail.com Hints and Tips on how to write your email to the CEO

 

 

get onto them as Capquest should of not come back to you - under the circumstances they should of just passed back to Santander with evidence and left it at that, complain complain

:mad2::-x:jaw::sad:
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slightly retitled

moved to Santander forum and tweeted to them too

 

 

disgusting!!

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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Yes :) Its been tweeted for you.

 

If i may add, I'm so sorry for your loss. Its very sad when we lose one so close.

Technically any sole debts owed by him would normally die with the estate etc (Be paid out of what's left - If there isnt anything left after funeral costs etc - Then you cant be expected to cover them)

 

We did once have a case with Santander who dealt with Phillips Cohen and co. They were rapidly sent packing.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Email to Helen Ashton sent back as address not found. After looking around I'm wondering if the CEO of arrow global would be the one to write to as they own capquest??. Will look into it a bit more and send tomorrow

H

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Hi, received a response from santander who are investigating.

Apparently arrows ceo is Lee Rochford. Can't seem to find contact details so will email capquest and probably send a letter to arrow.

Thanks for your help everyone

H

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  • 3 weeks later...

Hi,

Just wanted to say thanks for your help and support.

Santander and capquest both apologized and the account is now closed.

 

Really appreciate all the help and advice from you all

 

Best wishes

H

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