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akuma

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  1. Hi All Firstly thank you for giving me the advice over this thread. Secondly I have received this letter from CrapQuest. As you will now be aware your account is being processed for legal action. I am corresponding with you as teh Managing Director of the CapQuest Group. Your account has been preselected for a one time solution to settle your account. This is not a gimmick and nothing sinister, just a project that I am personally promoting to encourage you to clear this debt and save a considerable amount of money doing so. My plan is simple 1. You agree to pay an amount of your choosing by Direct Debit 2. For each payment you will make in line with arrangements made then we will credit you with an equal amount of 30% of your payment. That is to say you pay £50 and we will credit your account with another £15. If you comply you will save x amount. Now my question is this if I wish to pay these monkeys back what should I do given that I want to give them as little as possible so that they are off my back. thanks
  2. Yes I have sent the PPI form to sainsburys who is currently dealing with this.
  3. Received this from CrapQuest- As you will be aware we have communicated with you over a period of time to resolve this without the need for legal action. Extra costs incurred as a result of any litigation will be added to your balance, if we succeed in obtaining Judgement against you. My name is XXX XXX and I have been appointed as your case handling supervisor.Together with my team it is my responsiblilty to progress your account through the litigation process but also to assist and inform you on any query or question you may have. Your case may be processed and passed to our solicitors on or around 16th Jun 2011 a process you can stop by telephoning XXXXXX to discuss your account and reaching an amicable solution.I will not be demanding payment in full. I will be open to suggestions from you on how this account can be settled. I have the authority to make arrangements that may save you a considerable amount of money. You still have the opportunity to stop legal action and the possibility of settling your account over a period of time and by a method that is suitable for you. I trust that you will take this opportunity to contact us and save yourself the possible expense of litigation and the problems that any litigation in which we are successful would possibly cause your credit file. I have restarted my PPI claim against Sainsburys and they have phoned me back to confirm. Now the problem I have is CrapQuest sending me letters when they know that I am still in the process of reclaiming PPI. What can I do???? cheers
  4. Received letter from CrapQuest with the following; I write in response of your recent correspondence dated 5th march 2011 of which your comments have been duly noted. Thank you for advising me of your complaint with Sainsburys Bank plc and that you may be escalating this matter with the Financial Ombudsman Service if you do not receive a response. In order to assit you whilst Sainsburys Bank or the Financial Ombudsman Sevice may investigate your complaint I have placed your account on hold for an initial period of one month. If you require any further assistance with reference to your account please do not hesitate to contact me further. Now Sainsburys have yet to contact me regarding the letter I sent for the PPI. What course of action do I have? Secondly how should word my letter so that CrapQuest would stop bothering me? Thanks for all who have responded so far.
  5. Cheers citizenB I have sent Sainsburys a letter complaining about the misselling of the PPI. I did not send them the spreadsheet as I had already sent them the letter before you gave me the link. I will wait to hear from them in due course.
  6. I am restarting my original complaint to Sainsbury's regarding the misselling of the PPI. Can anyone help me with the writing of the letter. thanks
  7. Hi CitizenB "I would just rewrite your original complaint to Sainsbury.. ie the reason you were mis sold PPI. They have 8 weeks to resolve the complaint. Did you prepare a spreadsheet with all the charges on ? If not, then I suggest you get one of those sorted out. There is a spreadsheet in the library that you can use. It automatically calculates the amount of interest on a daily basis." I have looked in the Library but cannot find the spreadsheet. Please could you provide a link. Thanks
  8. How exactly should I restart my claim with Sainsbury's? My initial claim was for a Subject Access Request which was not the actual claim I was claiming for. My claim is for the mis selling of the PPI..
  9. Thanks citizenB but what response should I give to CrapQuest? I just checked on Post Office Track N Trace and even though the letter was sent last year it still says 'Information on your item is not yet available online'!! Looks like I would have to restart my complaint.In this sense what whould you advise me to write to for CapQuest and Sainsburys.
  10. Apologieses for the attachments not being displayed correctly. I hope now these appear correct. Again thank you in advance for reading this thread. 1.pdf 4.pdf 3.pdf 2.pdf
  11. Just to summaries; Letter 1; CrapQuest purchased the above referenced account on 01 dec 2009 from Sainsburys Bank with an outstanding balance of £3,269.00. CrapQuest were not made aware of any disputes or issues. crapQuest aknowledge your dispute regarding PPI and I can confirm that your queries were forwarded to Sainsburys Bank plc for their reponse. I can further confirm that CapQuest have received a reply from Sainsburys to advise that they are not aware of any dispute details. However they have informed CrapQuest to advise you to write to their customer relations department and they will be happy to assist. Letter 2. I wrote to you on 22nd March 2010 and received no reply. You had stated in previous correspondence that you had raised a dispute with Sainsburys Bank with regards to PPI, however you are now stating that you have a CCA request with them directly. I would therefore request that you clarify what your dispute relates to and forward to me any relevant correspondence between yourself and sainsburys Bank and I will be happy to investiogate further this matter on your behalf. In the interim period please find enclosed a signed copy of your agreement and statements of your account for your review. If a response is not forthcoming within the next 14 days your account will be returned to our collections department in order to resume contact with you. If anyone has any ideas what my course fo action should be please let me know.
  12. Hi Firstly I would like to thank everyone for the reponse and advice. I received the following letters from crapQuest. Please could someone advice me on what the reply should say. They have also attached Credit Agreement as attached before in this thread so looks like that they have something to go with. Thanks. See attached files;
  13. Received letter thanking me for my correspondence which has been passed onto their Compliance department. Confirms that my account will be on hold whilst its being investigated. What would be the next step in this process?
  14. Jimbo and CitizenB Thank you to you both for answering my query. I have sent a letter to crapQuest solictor outlining that they should not be threathing me as I still have a dispute with original creditor and I have passed this to the FSA and Financial Ombudsman. I hope this is enough to deter them but I doubt this. Anyway one final question. Whilst replying to crapquest and other creditors is there a way I could learn what the legal procedure should be and what my rights are? Basically I want to give back to this forum advise to other members but not having sufficient experience or knowledge I could be wrong and dont want to give anyone any bad advise. Cheers
  15. Hi CitizenB Thank you for your response. CrapQuest are using HL Legal Solicitors. How do I respond to their letter?
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