Well got the 'Completion of Request For a List of Transactions and Charges' letter today....standard letter thanking us for our request blah blah. Prelim letter to be sent recorded delivery on monday together with spreadsheet of charges .....£2000 quids worth...wow amazing how it mounts up eh.

Well Hooray Statements received today in rather dishevelled and ripped envelopes. Time to get the ruler and highlighter out and look for those 'charges as notified' I think I'll use the simple excel spreadsheet as I'm not very spreadsheet literate. So........onto the next stage..let the fun begin

Well they've obviously received my letters. On my doorstep today was a letter from capquest...it reads... Please be advised that a copy of the original signed agreement was sent to you on the 7th March 2007. Yours sincerely Collections Administration They didn't send the CCA as requested, they sent some Amex statements instead which are incomplete and don't convince me at all. The muppets at capquest now know that a complaint to the OFT has been sent. Whatever next eh?

Telephone harassment letter and letter informing capquest that they've committed an offence signed for on the 26th March. Now lets see what happens:rolleyes:

Well 32 days and counting....may have to search out the letter of non-compliance...cheeky sods...and they've had my money bloody ages too.

Thanks again Sea-side Lady...you're a gem

Well we're now on the 27th day and despite cashing the cheque....still no statements...........any ideas anyone??????

I got another phonecall from the lovely 'Emma' from capquest today...so I've just typed two letters to send recorded delivery tomorrow. One is a stop harassing me by telephone letter, the other is a letter informing them that they have now committed a criminal offence and that I am writing to the relevant authorities to report them because they have failed to comply with my CCA request. Lets see what happens now eh:rolleyes:

Neil Send off a CCA request to capquest together with £1 ( make sure it's recorded delivery) you'll find a letter in the templates section. This will ensure that if they can't comply then they can't enforce the debt without applying to the courts after 12 days (plus 2 allowing for postage) as you are probably aware if they have still not furnished you with any agreement 30 days or 1 calendar month afterwards then they have commited a criminal offence and should be reported to the relevant authorities. Make sure that your CCA request states that you do not acknowledge this debt. I've just sent off a letter to capquest informing them that they committed an offence with regard to a debt they were trying to collect from me. I am now compiling a letter of complain about capquest to send off. If anything it'll bring clarity as to whether or not this is a genuine debt but I doubt whether they'll be able to supply you with anything.....the CCA request will also let them know that you will not be bullied ! OWL

Well well well funnily enough on the 42nd day after receiving my CCA request a nicely spoken lady from capquest rang and left a message on my answering machine. She wanted me to ring her back on 0870 0843510 to chat about a refernce number she quoted. Any ideas anyone...they quite clearly have commited a criminal offence now...time to send a letter off to the OFT. Oh while I remember capquest send me 1years worth of amex statements about 10 days ago. The only item on them was a monthly charge for an internet provider I cancelled in 2000. I didn't send capquest a SAR....it definately was a CCA

Well after many telephone calls (but no messages left on the answering machine) I received a message on said answering machine from a softly spoken lady by the name of Emma from capquest asking me to contact her on 0870 0843510 with regard to a reference number she quoted. Must be getting pretty close to the end of the calendar month timeframe thus commiting a criminal offence. No mention of fulfilling my CCA request yet though Well funnily enough I've just checked and the 42 days was up today!!! time to send letter of to OFT methinks......any ideas anyone?

Well capquest have sent me some copies of amex statements...funny thing is I requested a CCA not SAR and even then I wouldn't count 1 years statements 2005/6 as fulfilling any SAR request. What are capquest playing at eh? Not long now before they have commited a criminal offence.

Well the Halifax have cashed my £10 cheque but as yet no statements......20 days gone and counting.

Thanks for that pmhcfc

Well the plot thickens...... I sent off the CCA request as advised and it was signed for on 31st Jan 07. Well today I received from capquest a series of copies of Amex statements dated 12/01/05 to 11/12/06 ...the first statement has the figure owed as £441 and each month they are adding £10.99 for an Internet provider ( one which i cancelled in 1999). The statement also says 'your account is cancelled and has been assigned to our coolection department. Please pay the balance shown immediately and ensure all cards are destroyed by cutting them in two.' I haven't heard from Amex in years..at least 5 maybe even 6...so why no correspondence if I haven't been paying my bill? I checked my credit record which shows an outstanding debt to Amex for £29. Secondly why only send these statements? Looks like capquest don't have my CCA agreement. The letter from capquest says ' further to your recent correspondence please find enclosed copies of documents as requested' I didn't send a SAR i sent a CCA request! (incidentaly they haven't cashed the £1 cheque) The letter goes onto to say that if you are not repaying on this account on an agreed arrangement send your payment to blah blah. We have paced your account on hold unti the 17th march if we do not receive contact from you by this date then the account will be passed to our collections department for further action. Any ideas what I should do next? Should I send a SAR to Amex or will this restart the limitations timescale? Any feedback would be gratefully received. Thanks Owl

Cheers Dave Are you suggesting sending a CCA to lawsmiths, eversheds or Northern Rock? I don't actually know as yet who has bought the debt from Northern Rock.

Well having contacted eversheds and lawsmiths it would seem that Northern rock have sold a lot of their debts off. However the kind lady at lawsmiths would not tell me who their client was but that I was to stop paying eversheds and sit back and wait for correspondence from themselves. Apparently lawsmiths have over 200 cases to pick up and eversheds were early in releasing their letters to clients. This debt is for a un secured loan originally with Northern Rock, I know this may sound dense but would there be a credit agreement signed for this? Do I just have to sit around and wait? Is there anything I can do? I don't dispute the debt ...I just want to keep paying regular amounts each month as I have been doing.

Well on the 19th of march my 42 days are up. Does anyone have a template letter of complaint to trading standards? Many thanks Salisburyowl

I have a debt with Northern Rock which I am paying Eversheds for. I have been paying via DD for months now. All of a sudden, out of the blue a letter (supposedly from Eversheds)arrives saying Without Prejudice 'We are writing to advise you that we are no longer instructed with regards to the above matter. We would request you stop all your monthly payments to us and contact Ms Margaret Rowbotham at the below address. Lawsmiths 1st Floor Dominion House Sibson Road Sale Manchester M33 7PP Telephone : 0161 972 7700 We trust the above clarifies our client's instructions. Yours sincerely recoveries department Eversheds LLP Now I rang the above number and the woman who answered the telephone said that the woman was unavailable as they had received a lot of telephone calls about similar letters and that she would get back to me. The letter itself looks like a photocopy but I could be wrong...it's totally in black and white and just doesn't seem right. Has anyone had one of these or know anything about Lawsmiths, I can find reference to them but not at the address on the letter. Thanks in advance. Owl

Well according to the Royal mail my SAR was received by the halifax on the 23rd Feb 2007. So the countdown begins!

I think either way Phil you win, if you pay it off with your money or they take it off your claim. It would just be nice not to have an overdraft..just like it would be nice not to be charged silly amounts of money for a simple service.

Hi sea-side lady well it's our money after all...lol...i wish you every success with your efforts.

Many thanks sea-side lady. Are you still claiming btw:)

Thank you seaside lady, I've been reading your thread with interest and so I may need to call on some advice. My only fear is that they turn nasty and either withdraw my overdraft or close the account.

Well finally sent SAR off today ( don't ask..lol) recorded delivery first class so I'll start the clock ticking from tomorrow 22/2/07