zenith000
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Everything posted by zenith000
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Complicated one.. to a degree I was chased about a year and half after my partners dad passed away by a local plumber for work my dad had done on a his house that she now rents from her mam. My partner was shocked as assumed this was paid and also a long time passed between her dad passing and being chased. Her mum, hasn't got much money nor does my partner. She has never said NO to the debt and asked if a payment of 50 a month could be made which they wasn't happy about. My partner then asked for a proper plan as felt they may mess that up taking into account the length of time they waited to chase. The debt is in her fathers name at her fathers address and was from over 3 years ago. The debt is around the 5K mark and her dad passed away Feb 2021 Just yesterday she received the pre-action protocol letter detailing their intention to take her to court. She has numerous options in the form to return within 30 days. My partner receive benefits for her 3 learning disabled children ALL under 16 and also is unable to work due to her illness (diabetes type-1 and a heart condition) so there isn't anything left in the bank at the end of each month. Any advice is welcome. As mentioned she can set up a payment plan and can provide the bank statements to back up what I wrote above. OR should she respond in a different way to the protocol request. regards
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Capquest sending new letters re a 16yrs old barclays loan
zenith000 replied to zenith000's topic in Barclays Bank
Thankyou very much for your response. Much appreciated -
Capquest sending new letters re a 16yrs old barclays loan
zenith000 replied to zenith000's topic in Barclays Bank
Barclays loan -
Hi there, Fellow Capquest target whereas my Capquest file/data has had its ownership change to 'Arrow Poplar Designated Activity Company' recently. The alleged debt is roughly 17 years old and I could have sworn that I had sent a letter of Statute Barred (might be wrong). Have lived at my current address for nearly 7 years and before that previous address was 5 years. The debt was chased in previous address and then went away and resurfaced last year. Transferred to OPOS who sent me letters and turned up one day I simply stated No to them on asking my name. Just last week, received the change of Notice of Assignment. My thought is to resend or send the Statue Barred letter to Capquest? Would this be advisable? Apologies if this has been answered or if i need to start a new thread! Any advice is appreciated
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Just last Friday. Yes, last Friday I receieved a letter from Link Financial demanding me contact them within 7 days as there are only a handful of options left. They also state that I have failed to contact them. I have sent a reply informing them that they have NOT provided me with proof since my request. I re-included the same latter that was sent last September. I used registered post as its a PO Box. I shall update accordingly. regards Phil
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Account NUmber: 9999999 Originator: Finance for High Education Debt Balance: £1900.00 ** NOTICE OF DEBT COLLECTION SERVICES ** DO NOT IGNORETHIS NOTICE, FURTHER ACTION WILL BE TAKEN TO REECOVER THIS DEBT INCLUDING AN AGENT ATTENDING YOUR PROPERTY OR LITIGATION Dear Mr xxxxxx As your loan agreement has been terminated by Thesis Servicing, we have been appointed by them in relation to the above referenced debt and are instructed to collect the full balance from you. This balance relates to an unpaid student loan. You should make payment in full immediately quoting our reference 999999 either by post to the address above or contacting an Account Officer who can take a Debit or Credit card payment. If you are unable to make payment you will need to contact an Account Officer on 999999 as a matter of urgency in order to discuss what alternatives may be avialable to you. Please do not ignoire this notice. you may wish to take legal advice in relation to this letter. yours sincerely Miss blah blah
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Hi, It appears as though I have accidently forgotten (no intent) on keeping up the payback arrangement with Student Loan Company. Main reason divorce killed me financially and basic housekeeping of finances in general was destroyed. Anyway, bottom line they have sold the debt to 'Link Financial' debt collectors. I received a letter requesting full payment of £1900 ish which I DO NOT disagree with. However, I am unable to pay this in anyway but can sensibly pay some £80 a month without impaacting my life. How do I word this on the phone to them and do they have to accept this offer or are they in their rights to push me through the courts etc? Any advice is more than welcome :-0
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10 year Old disputed debt - zenith000/Capquest
zenith000 replied to zenith000's topic in Debt Collection Agencies
Hi, I recently had posts on here regarding CapQuest during last year chasing me for old debt from (which I am sure was settled) 10 years ago. I requested the CCA using the template back last May and it then went real quiet (to the point of no correspondence). This year however they started calling me leaving the automated 'We have tried to call you and will endeavour to contact you again). They tried a number of times a week with a number of numbers. I would not answer as am not the best on the phone (weak infact). They finally caught me on the phone where they had wrong details about my name and possibly my date of birth. I mentioned that I had not received a copy of the credit agreement to which she replied they would look into it and be in touch. Silence yet again for about 2 months. However, Last week I received a letter informing me that they were in discussions to sell my account to a third party legal specialist firm. whom can then do charging orders, bankruptcy, attachment of earnings and warrant of execution. They then offered to write off the interest and additionally a further sum . They are willing to accept an instalment plan too. They have offered to update my credit file (of which there is no reference to the account nor has there ever been) and they will continue repairing my credit file thereafter. If there was ever a negative mark with that account it would have surfaced in one of my house moves and addressed at that stage. I am real real worried that they will do some to my credit file as i am only just getting better ion that department. I never received the CCA information either. Any advice is more than welcome as i need to reply to them by 31st of this month. Thanks for reading -
Hmmm, I need to find out wht its for then and possibly live with it for the next 2 years. Would it help much in the way of credit score if the judgement showed satisfied?
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Thanks for the info, I shall progress with the Next issue this week. Also, does a CCJ stay on file after 6 years if NOT satisfied or does it drop off regardless of the status of it? regards
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Hi, Through divorce and no fixed abode in 2005 for about a year i was given a ccj and default (which reside on my creit file). My money has been managed well for some time now. Only this last week, i have had the need to acquire credit fpor a new car - to no avail. Is it possible to make offers to settle both these sums which are both around the £500 marker. (Next Directory - default) and Southampton County Court the other (not sure of reason just yet)??? I am aware that these are with me for some years now. but due to lack of defence i.e. not getting my mail this has to be lived with. I have registered with Experian and will monitor the credit score during the next year. Any thoughts or advice on this offer question is welcome. Lastly, will having these both moved to settled help me in coming back into mainstream loans (or is that a little too much to ask at this stage)
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10 year Old disputed debt - zenith000/Capquest
zenith000 replied to zenith000's topic in Debt Collection Agencies
I will get my Credit files. This is where things, I beleive to be in my favour. As i have moved twice and used a financial brokers that dealt with bad finance and they scrutinised everything (and rightly so) and not one of the moves brought this (alegid debt) to the surface. Their initial letter stated that if I did not contafct them withiin something along the lines of 10 days then they were to instruct their solicitors to continue the case against me. -
10 year Old disputed debt - zenith000/Capquest
zenith000 replied to zenith000's topic in Debt Collection Agencies
Should the later loetter accompany letter m or simply go without letter m? They state lower in their letter that if my contact is not made within a set date then they are insrtucting their solicitors to continue the case against me. Is that expected? Also, thanks for your replies...
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