Sending this to CapQuest; Dear Sir/ Madam, I am bemused by your claims of indebtedness as I have no record of a lawfully terminated agreement with said Original Crdeitor but to assist with your investigations I will oblige by corresponding with the alleged Original Creditor in order to effect disclosure of all information by way of Subject Access Request. Thanks to Gezwee. p.s I am not excited by learning that I was missold a PPI as I am not sure the implications of this. However I have created a new thread in the PPI part of the forum and I am awaiting from others to advise. thanks to everyone

Hi, In 2001 I took a loan out from Sainsburys. However after paying the first two installments I couldn't manage to pay the rest and the loan was defered to Blair Oliver Scott. With them I was paying regular amounts until I lost my job and couldnt keep payments this occured in 2003. What I didnt realise was that the original loan I took out had Sainsburys Silvercare Insurance. Now the loan has been bought by CapQuest who are chasing me for the money. Now my question is do I have a case against Sainsburys for misselling me a PPI? And is there anything I could do? thank you.

Thanks Huff&Puff and all. IS there a letter template that I can write to CapQuest with? cheers

I have never had notice of assignment from any of the Credit agencies as far as I can see. I usually place all documents inside a folder and no its not in it.

surely if capquest do not hear from me as stated in their letter they would add charges and proceed court?

So I guess I these are still my option? 1. I will send the original creditor a Subject Access Request. 2. Inform Capquest I have asked original creditor a Subject Access Request. cheers

I didnt have PPI as far as I can see.

Thank you Mike770. 1. I will send the original creditor a Subject Access Request. 2. Inform Capquest I have asked original creditor a Subject Access Request. cheers

Hmm...Having read all this I am at a loss as to what my next step should be. Could someone please clarify what my options are. Thank you.

The agreement does look enforceable, which is unusual for one of that period Did you ever receive a Default notice and Termination notice? sadly no.

Sending this. Let me know if this would fine. Thanks. "I write with reference to the money which you are claiming on the above account. I can confirm that I am unable to offer to pay the money in full due to my financial and personal circumstances. However, I can raise £300 and I want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you or any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released from any liability. I also request that, if accepted, you will mark any entry on a credit reference agency file relating to the above account as "satisfied" in full. Payment can be made within 1 month of receiving your written agreement of this offer and method of payment. I look forward to receiving your reply. Yours faithfully"

Thank you Zimmie for the information. How do I go about writing the F&F letter? Or in fact reply to their letter as described above? I dont want them to pile more charges ontop of the debt.

What is F&F offer?:idea:

Zimmie I guess you had a personal experience with Capquest. What did you do i the end to resolve your situation?

IanHL, thanks for the reply. Should I phone them up and offer a settlement figure as I want to really close a line under this.

Added jpgs of scanned letters and agreement. If I ignore these letters from CapQuest can they legally come down to my house with baliffs? Or would they take me to court first? 20100122092952_00001.pdf 20100122092952_00002.pdf 20100122092952_00003.pdf

Hi, I just received this letter this morning; Further to your recent correspondence. A letter telling me ways I could pay and also a photocopy of the original Credit Agreement between me and my Sainsburys bank. The agreement is signed and dated by me on the 5/5/2001 I need to reply within couple of days otherwise they will pass on my account to their collection department. What are my next options? cheers

I sent the CCA request letter and I received this letter from capQuest "Further to recent contact with our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28 days whilst we obtain the information required. If you have any proof of payments or correspondence that would assist with your query please forward these documents to our Collections Administartion department." So whats the next step they would do and how should do I react? thanks

Out of interest who shall I make out the Postal Order out to? Sainsburys (original loan) or to capQuest? And thank you for the quick reply.

Do I phone them or by post?

Hi All, In May 2001 I originally took a loan out with Sainsburys Bank. After losing my job and in difficullty paying back the monthly payments my loan was transfered to Blair Oliver Scott. Since then I was paying back until I moved recently. I didnt tell them where I moved but I assume my landlord told them I no longer lived there. Now capquest just sent me a letter that I need to pay back £3000 otherwise they start legal action. Now I need to know what my options are. Should I ignore capquest letter? Any help in this matter would be greatly appreciated. thanks

Just had another letter from Apex...most recent this Dear Sir/ Madam, A review has been undertaken on your account and you have been selected to take advantage of a discounted settlement offer. To benefit from this substantial reduction call our specialist team by 17/06/08 on the number XXXXXXXXX Taking advantage of this opportunity will help restore your credit rating as this account will be shown as settled by arrangement with the credit reference agencies. Yours faithfully Hmm ...what do you make of that?

Letter from Apex this morning. Dear Sir/Madam We have instructions from our above named clients to initiate formal debt collection proceedings for the unpaid debt as detailed above. Please contact this office immediately in order that we can discuss a satisfactory settlement to this matter. Unless you make arrangments to settle the account with 72 hours our agent may be instructed to attend your premises to establish your residency and reason for non-payment. You must take this opportunity to settle the matter amicably in order to avoid possible legal action being instigated. Please do not underestimate the seriousness of this matter and attend to notice immediately as this will be your final opportunity. If you are experiencing financial diffulties or you wish to make a propsal please call us today. --- Obviously they have not responded to my earlier letter and I would like to know whether they are able to come down to my house and in effect take things? And also what I should do to respond to this. thanks once agian

Hi - I have just received a call from Apex chasing me for the money. I told them that my account is in dispute with BOS and therefore not to contact me. I have the feeling that they will still try and call. I am wondering what I should do in this situation. Cheers

Thank you very much for this letter. However you mention "My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, " I have NOT received any confirmation from BOS after send a letter requesting CCA. Apart from this clarification. It is an excellent letter. Thanks