can someone pls help with a matter concering moorcroft debt recovery limited on the 18th June this year i received a letter from DEBT MANAGERS LTD. stating that they were acting on behalf of there client BARCLAYS BANK and were looking to recover £14675.71 from me. I wrote to them straight away asking for a copy of my C.C.A. They replied on the 27th june stating they have requested a copy from Barclays bank and will revert to me once they had obtained it. I never heard from them again. Today 12th October I received a letter from Moorcroft saying they have been instructed by barclays bank to reclaim the DEBT:confused: Surely Barclays can not transfer the debt around once it is in dispute ?? what do I do next do I ask Moorcroft for a copy of my C.C.A. when after all this time they might just have a copy of it now, or do I write to them and inform them the debt is in dispute with Barclays and DEBT MANGERS and not to write to me again?? or do I just dig my heels in and write to Barclays bank to inform them that the debt is not valid anymore because DEBT MANAGERS acting on there behalf failed to supply me with a copy of a C.C.A concering this debt. please can some one give some advice as to what my actual options are at this stage ty domyheadin

I wrote of to Capquest and informed them of this, today I received a letter stating that the account was now on hold, and a investigation into my complaint will be carried out in line with there in house procedures and as soon as they have the results of there findings a quality and assurance officer will be in contact with me :-? :-? they also attached a letter stating there complaint handling procedures and it invited me to make a complaint:-? Firstly I did not complain I only pointed out that Consumer credit agrement they presented to me did not comply with s61(1) and there for would not be enforceable unders 127(3) of the C.C.A. Is this a ploy? I am really confused, what do I do now? Secondly I read on another website that if you complain about one of these sharks they could be penalised. ( i wont link , not sure if i am allowed) As from 6th April 2007 any complaints of this nature will now be investigated by the Financial Ombudsman and here's the rub. Any company is allowed two free investigations per annum, therefore if two people complain about the same company, the FO will investigate and this will not cost the company anything. However, for any further complaint that has to be investigated, it will cost the company £400 per case WHETHER OR NOT THEY ARE IN THE RIGHT OR IN THE WRONG! Imagine the look on the face of the FD of the debt collection agency, if 100 people lodged a complaint with the FO? Hmmm £40k is a bitter pill to swallow isn't it? So should I complain lol it really is funny, like rory32 stated they have complied with my request for a c.c.a so I dont know what to complain about. Also I read on another website lol that Capquest dont actually take anybody to Court :o is this true, can anybody help me with this. All in all I think the best thing to do is to sit tight and see what they find in there complaint department lol:cool:

All it says is please find enclosed copy of documents as requested , and how I have to pay them. Is there a template rory 32 I can use to send them or is that all I have to put Dear Sir/Madame I have received copies of my request for a C.C.A. and I wish to inform you that they do not comply with s61(1) of the consumer credit act and therefore would be unenforcable under s127(3) of the act I look forward to hearing from u ..........

Finally after 29 days Capquest sent me a copy of a application form I filled out when I applied for the amex card, while this is clearly not a C.C.A I am unsure as to what I do now. Do I reply to them and say they have not fullfilled my request for a C.C.A. and inform them that I will be reporting them to the relevant authorities, or do I sit back and do nothing and wait for a knock at the door or a court summons and say that what they have sent me is not a C.C.A so I have not paid nothing ...please help anybody as I know I have them on the back foot and dont want to lose ground by acting inproperely:???:

I have C.C.A Capquest which was done 15 days ago ...they have still not sent it surely if I S.A.R Amex now that will be defeating the object of the C.C.A.. if anything comes of it and I am taking to court ...( because they are not getting a penny of me till i see a C.C.A ..which they wont have ) then I will S.A.R Amex 8) I feel if I S.A.R Amex that will then be an addmision to the debt

the debt is 5 years old but i was paying it monthly till 3 years ago who do I S.A.R ....Josie A.M.E.X. OR CAPQUEST

received a letter of capquest stating the account was on hold for 28 days while they obtain the information required, surely proof enough that they never had a c.c.a. so they must of commited an offence they also ask if I had any proof of payments or correspondence that would assist with the query lol and could I send it to them :o

lolol no they dont hehe my company charge me £52 per annum for costs to collect the money thanks crappo man for your help I have 2 attachments but the company only deduct £1 per week, thou it would be nice to only pay £12 per year I am glad I am not paid monthly

tks tom ..did not know that, it a good job D.C.A. dont have the same power ... phew:D

Can anybody help me here pls, I am led to belive that a Attachment of Earnings order can only be processed throu a court ... is this right :idea: :idea: I have money comming out of my wages to pay C.S.A. I have never received any paperwork for this, from the court or C.S.A. can this be right, my company charge me £52 per annum to pay this order.. whilst I certainly dont mind paying this order, after all my children are my RESPONERBILLITY but after reading in this site I wonder is the order valid and can I claim the money back of C.S.A. that my Employers have been charging me

tick tock tick tock

this is very confusing ...1 month ago I just got a loan of Welcome finance ...I think this is how Capquest has caught up with me but havent received no paperwork confirming the loan ...waiting to see if they start the d.d. this month .. how can they trade if they are dormant:?:

welcome Scissor cant really help with the bank but what I do recommend is to read, read as much as u can here starting with the F.A.Q. good luck with the court case

gl with the hearing, your news is really brilliant to read:)

I have sent a letter of to Capquest today asking for a copy of cca

Help I received a letter of Capquest the other day stating they have bought a old debt of mine of AMEX the letters states I have to pay the outstanding balance or reach a satisfactory proposal by 20/6/07 or they will take me to court which will incur another cost of £190 by searching throu this site and reading others threads am I right in saying that if I send them a registered letter with a £1 requesting a cca should be my first course of action

ty parkvale for a quick response, I was in a right old state earlier. I am busy checking out this website and trying to get up to scratch i will post another thread soon when I have all the relevant information concering this claim

hi all just registered today , got a letter today from solicitors acting on behalf of capquest saying that as I have not replied to a letter dated 23rd may 07 ( which I never recieved) saying they have purchased my debt of £3235.76 from American Express .. I have not heard anything about this debt for over 5 yrs and this letter is the first I have received in about 4yrs they say if I dont contact them by 20 June 07 they will take me to court can anybody help me as what I need to do ..I would like to pay of this debt but can only afford about £10 per week and know this will not be acceptable:(