Are you saying take Abbey to court or Capquest as the debt was sold "with all issues" ... Sorry for being a bit slow:oops: Aleks

and ....... I sent off an adapted version of 42man's letter (link below) and I got a reply this morning - clearly, CapQuest seem to have a problem with understanding the English language and the written word:-x http://www.consumerforums.com/resour...arge-situation Their letter looks like a response to an information request - of course I made no such request:-| I made it quite clear that I was disputing the account over a repayment of charges claim and that as such they should respectfully 'butt out' and return the account to Abbey. I s'pose the phone calls will start soon! Aleks

Thank you babybear - might not be as blunt as that but it will amount to the same 42man - Thank you for the link to the letter, I will adapt one for each, Abbey and Capquest and get them in the post on Monday. Have you any further advice with regard to the question of legal proceedings against Abbey? Many thanks ........ aleksandr

Hello, I am new to this site and I have a problem that I could do with some sound advice on! From the beginning ..... Back in 2007 my Abbey current account was closed with an overdraft of several thousand pounds ... I got the usual 'in house' debt letters from them initially and then I was advised by CAB to make a claim against them for return of charges that had been applied to the account in order to reduce the balance owing .. This I did, my claim including interest was lodged with them back last year and I received an acknowledgement from Abbey that my case was on hold due to some legal case against them in which the outcome will be crucial to how they deal with my claim for repayment of charges. They also advised me that they would respond to any court action I take against them in the matter by way of a 'hold on further action' whilst a resolution is sought in the case against them already in the High Court. So, I have been patiently waiting whilst receiving only the occasional standard 'update' letter from Abbey, last one being around the start of this year (Feb/Mar). I have not escalated my claim to the court so far. Yesterday .... I received a letter from Capquest Debt Recovery advising me that my Abbey balance had been sold to Capquest Investments Limited and that they wanted either the full amount or an arrangement to pay by the 27th of this month .. advising me that failure to do so may result in bankruptcy proceedings. Today .... I received a letter from Abbey giving me notice that my debt due to them was sold (by way of assignment on the 3rd July 09) to Capquest Investments Limited, both letters were dated the 14th of this month. My questions .... 1. What should my initial response to Capquest be bearing in mind I have an outstanding claim against Abbey for unfair charges? 2. How should I respond to Abbey's notice of transfer? 3. Is it right that if a debt is being disputed with the creditor, that creditor is to refrain from collecting activities and must not pass the debt to a third party until such time the dispute has been resolved? 4. Am I too late to commence legal proceeding against Abbey in my claim for charge repayments? I'm sorry I have gone on a bit but I'm more than a little concerned that I have screwed up and have scuppered my chance of a successful outcome to my claim against Abbey. I am presently on income support and have no assets of value with arrangements to a number of other creditors that I am just about managing to keep up with, I doubt that I have a fiver left each month I thank you for any help in this matter............... aleksandr

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