Blondie40 With the greatest respect please move on you have nothing constructive to offer on a legal front or how best to proceed in this case. I will not be drawn into negative dialogue with you as clearly it seems you wish me to do so. The fact you searched previous posts to display on my thread was a disappointment however I shall remain diplomatic. As I said before I wish you only the best and hope from now you use your time more respectfully in the forum rather than trying to draw confrontation. Your response/s will not be required as i shall credit no more of my time to them.

I haven't stopped and will see it through to a conclusion. As you may know i am using my own resources and knowledge. However if needed and Capquest continue to push for payment i shall without hesitation bring in and apoint a professional lawyer. I am well within my budget to do so.

Thank you for the advice and infomation i shall pass it on accordingly to the person concerned.

Many thanks for your help and advice which has been noted, may i take this opportunity to wish you all the best in the future. regards, Billy

That is because they are back street cowboys who can't be trusted there word means nothing unfortunately.

I will be more than happy to report on Capquest replies and then hopefully the eventually outcome. That i am able to do, When people say somethings not right here, and confirmation ?? I tried to make light of it, but if someone wants to actually be clear in what they are saying please say it and i will answer the question. Or better still give me some real direct advice that can help me deal with this because that's why i started the thread.

Ask Blondie, She got something in her head about all this maybe she can spell it out to us i hate guessing games.

On a serious note, Tell that to the guy who may have to pay Capquest close to 25,000 pounds, Blondie, Capquest are real, the money they want is real, the guy is real, has a life a mortgage and a family. Let hope i can win this for him. I have beaten Capquest before, and also Mackenzie Hall Debt collectors.

You have made me smile in this bleak situation !! Conspiracy nothing is what it seems lol

I hear what your saying but when your dealing with an online company like Wonga then you won't always get the best service. Don't want to state the obvious but they are only taking money you owe them. If you would of contacted them immediately the day after you defaulted you would of had your plan and may well of been alot more relaxed about the whole affair.

Bless Sometimes 2 + 2 is not 4 otherwise life would be very boring

It's only a linked adress not much of a confidence booster for them. They don't fancy this because they are totally in the dark. No CCJ No defaults, if the Bank of Scotland don't come with the information needed then they have nothing to come to Court with do they...'' Best they move on easier fish to catch.

Wonga, Once your account goes into default you can contact them and set up a repayment plan over 12 months. the amount you owe is then frozen and the monthly payment normally taken from the same card. Using live chat you say you want to talk about making a payment and ask for them to call you give your number to them they will call you to arrange payment then ask for the plan. You get a agreement from then visable on the site when you log in giving you the details of the plan. Stick to it and you won't have a problem. I beleive they use that third choice credit reference agency call union is it?

Capquest buys lists of names of old debts in the hundreds maybe thousands. They get a name the address (normally an old address ) if there lucky the person still lives there. The date of an Credit agreement. They then do a credit search to find the applicant or confirm his address normally a hard search shown in table one which in inself is illegal as this table should be only for credit applications. The address address seach should be in table two of a credit file so to be not visable to others when you make a credit application or to have a negative effect on your score. When they do the seach it will give then the necessary information of payments the default dates and ammo to then seek to get the money from you. Without this information from the credit file they can't even be sure they have the right person can they Bondie40 ?

I have posted today a Subject Access Request to the Bank of Scotland. I have also sent a Subject Access Request to Capquest. Both have been sent recored delivery. I shall wait for a response i can do no more at this stage let's see what happens. I can tell you Capquest are not sure about this because the Debt is not shown on any credit file no CCJ or default. They know nothing about the CCA I'm sure they are wondering like i am why an amount like this would not of been updated then they could see the info when they done the hard credit search but nothing comes up so they don't even know about the default. As it stands they have an account number and a date. So i want them to show there hand.

Pinky, I can't ignore Capquest for 40 days can i ? what do you advise i do please

OK got that i'm sending only to Bank of Scotland, But what do i do with Capquest i can't ignore them for 40 days can i???

OK i understand yes if they have purchased the debt then it is a good idea to send it to Capquest then??? kill two birds with one stone as i need to write to them anyway ?

Reference number etc sold to Capquest Investments limited who have appointed Capquest debt recovery etc etc 1) Point 1 Subject access request i thought i send to the Bank of Scotland? You say send it to Capquest? please clear this up i'm confused. Pinky, Have you got a letter which i can send that represnts what you are talking about please?

I have now completed and printed off the Subject access request to the Bank of Scotland and will send recorded delivery in the morning. Capquest have not asked for any money, there reply at this stage was to inform me the debt was not statue barred in response to my limitattion act letter. They then included a form for me to fill out with my breakdown cost etc rent living gas electric etc. But no talk of money at this stage or any other dialouge. There letter was basic and brief but yes they have purchased the debt from the Bank of Scotland. What do i do in the meantime should i write to them??????????????

Pinky, Can you tell me exactly what i need to obtain to help is it the BOS 10.00 pound postal order thing to get all the info as mine's incomplete? I can do that tomoorow in the post in the meantime what do i do with Capquest???

Pinky two more flaws on the Credit agreement for your information, The address on the agreement where the contract was made and he lived lists him as the owner, he never was and did not own any property he was the tenant there. Secondly Marital status as Married? He was not married????????????????

Pinky two more flaws on the Credit agreement for your information, The address on the agreement where the contract was made and he lived lists him as the owner, he never was and did not own any property he was the tenant there. Secondly Marital status as Married? He was not married????????????????

No i think your right looking at it looks like he paid last payment in April, given it's two months arrears that makes sense to the paperwork and payment monthly etc would be correct

Thanks Pinky, sounds great I've started a new thread with the latest info more clearly for those who wish to see it can you please take a look called *Capquest help current situation* yes default send out on the 7th june 2005