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About icklebells

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  1. Thank you Palomino! Will this whole thing further affect my Credit Rating and will they put a default on my account in one way or another? So, the Account in Dispute Letter of committing an offence is pointless after the time limit has passed? I mean, what you are pointing out if I rightly understand is to wait and see if they sell it off to someone else and then act accordingly and use the letters available? If this was the case, would the new request be relevant considering this amount they are trying to claim goes back to 2003? Would 2009 not mark the yr where this is delet
  2. Hi palomino! So the 12 days + 30 days request is not valid anymore? So what protects me if they do not provide me with the CCA agreement as requested? I sent a letter to them at the stat of June and have no heard anything since. Is there a time limit as to when they have to reply by in order for my rights not to be violated? I have complained to Capquest twice already pointing out they procedure and harrassment and have had unsatisfactory replies back, but if you think by continuing a complaint procedure I might be waking the bear then I shall not. Is there anything that I can
  3. Hi everyone! Hope all are well! After waiting for the 12 days to pass and a further 30 days i still have not received anything from CapQuest, so I guess it is time to send that letter you, Scott, sent me! Am I right in guessing that if they do respond to it in the time stated they possibly have a right to pursue the matter if their reasoning sees fit? If I do not receive anything I am assuming they have understood my request, right? Furthermore, should I be filing a formal complaint to the Financial Ombudsman Service or is this pointless? Any advice? Thanks once ag
  4. Ok! Then I will! Thanks for pointing that out! :o I appreciate your quick response. Regards, Bella
  5. Hi Scott! Thank you so much! That is one hell of a letter. Well, I guess I shall wait a little longer until the 12 days are over and consider sending this letter then. Thanks once again for the template. Glad I found this forum with such help available! Regards, Bella
  6. Should I take the 12 days as a deadline before I reposnd or wait until the 28 days they mentioned are over? I am not sure I understand the CCA request guidelines of 12+something day rule before they commit an offence? Can anyone advise me on where to get an explanation for this? Thank you for your quick response Scott! I appreciate it!
  7. Hi, thanks again for the information you provided! When I called the Debt helpline they assured me that a CCA would also apply to overdrafts and my situation...maybe they gave me the wrong info??? I sent my CCA request and have since received a letter from CapQuest. In this letter first of all the amount due/outstanding has been reduced to the amount prior to them adding solicitors and court fees and any interest! The letter states: Further to your contact with our office and your request for further information in relation to the above account, we would confirm that your accou
  8. Hi everyone! Only registered last week and have been reading a lot of the threads and posts on CAPQUEST! Interesting stories and glad to see I am not the only one who gets harrassed by them! Cut a long story short: I moved to Germany last Sept and suddenly out of the blue got a letter from CapQuest about an outstanding amount. Considering myself a good citizen I replied to it but never admitted it was my debt as I had no clue what they were referring to. I asked them for information. They started calling me on a weekend early morning, sent me one letter after the other demanding payme
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