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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

krysp

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Everything posted by krysp

  1. krysp
    Received a letter a few days ago from capquest in response to my latest CCA request. They have confirmed that Lloyds cannot locate my original paperwork and unless that situation changes, the alleged debt is unenforceable and capquest will cease hassling me. Happy days!! Thanks very much for all of you who have assisted me over the years, I shall be making several dozen copies of the letter for very safe keeping. Now to take a closer look at the Amex account.
  2. krysp
    Received a letter a few days ago from capquest in response to my latest CCA request. They have confirmed that Lloyds cannot locate my original paperwork and unless that situation changes, the alleged debt is unenforceable and capquest will cease hassling me. Happy days!! Thanks very much for all of you who have assisted me over the years, I shall be making several dozen copies of the letter for very safe keeping. Now to take a closer look at the Amex account.
  3. krysp
    Yeah, alas, I thought it was 5 years until I went through some old comms with Lloyds, turns out I was paying them 'til July 2010. Point taken on the thread and noted for the future, haven't been on for ages as it was all quiet on the DCA front whilst they fabricated another one of their Recon agreements.
  4. krysp
    I wish... another couple of years to go yet.
  5. krysp
    I've been communicating with various DCAs around an old LTSB CC for years and with capquest having purchased the debt from Lloyds, they are beginning to get somewhat more aggressive in their stance of late.
  6. krysp
    In addition to the issue mentioned above, I sometimes work away for a couple of weeks and with nobody at home, letters lie around unanswered for a while. It's not worth setting up mail forwarding as I'm living in different hotels on the most part whilst working away. Whilst I loathe the parasites that are DCA's generically and capquest specifically and do everything in my power to frustrate them as often as possible, I don't want to appear to ignore letters when in reality it's a combination of them falsifying their letter dates and me being away from home for a bit. Anything that prevents them or gives them an excuse from pushing my case to the top of the litigation pile, gets my attention.
  7. krysp
    Great, DCA in question is capquest. There's some freeware software that tracks and confirms when a sent email has been delivered and viewed, any ideas on the name, I think it's pig something?
  8. krysp
    As the title states, does anyone have an arrangement with a DCA for communications via email? Can I insist upon communications via email or is any such arrangement at the discretion of the dca? I've received letters from DCA's recently where the difference between date on the letter and date received is several days.
  9. krysp
    Quick update: Called accountants this morning and gave them an ear bashing, they've admitted their (numerous) shortcomings and have agreed to write off the full amount of the invoice, call off their threat monkeys and leave me in peace. So a result! I knew I was in the right all along, just needed some moral support from you guys and gals, so thanks again.
  10. krysp
    Personal guarantees are pretty much common practice, certainly when dealing with banks and larger suppliers.
  11. krysp
    Thanks guys!
  12. krysp
    Yes it was a Ltd company and there was no personal guarantee in the original contract. All of which suggests it's just a fishing trip by the DCA but if they default me I'll be very pi**ed off. I'm going to write to the accountants today asking them to clarify a number of points.
  13. krysp
    As the title suggests, I've been contacted by Oriel Legal Group via email stating that if I don't pay up they'll be taking immediate legal action. The debt is disputed, is allegedly owed to a firm of accountants who I used when I ran a Ltd company. My company was closed with no external debts. Three months after the company closed, I received a final invoice from the accountants to me personally (not the company). The invoice related to support to close the business (of which they provided absolutely no support) and some year end forms (which they may have carried out for the business). Can they sue me personally for a business debt? I've checked the contract and there's nothing anywhere which states that I am personally liable for business debts. Should I respond to Oriel or are they simply on a fishing trip?
  14. krysp
    Thanks for the info, any idea where I can go to look through previous court case transcripts?
  15. krysp
    Capquest is the DCA, heard they're a pretty nasty bunch. I'll treat them like the other DCA's I've dealt with - polite, keep to the facts and hopefully convince them I know what I'm talking about and won't be intimidated by the threat of court action.
  16. krysp
    Might not stop them trying, that's my fear anyway.
  17. krysp
    Nah, not interested in f&f, they'll mark my credit file as partial satisfied and flog on the rest to another DCA. Original creditor has already marked my credit file with a default three years ago, so my file is trashed. Don't need, want or use credit any more so not too concerned with my credit file. I've been chased continuously over the last three years by a succession of DCAs so unless they go ahead with legal proceedings, I can cope with the chasing. Confused?? How is it possible to obtain a CCJ whilst at the same time it being unenforceable in court?
  18. krysp
    Missing prescribed terms and incorrect personal info on the reconstituted agreement is what I hopefully consider the debt unenforceable.
  19. krysp
    That makes me feel a whole lot better, thanks. Will stick to my unenforceable stance and see what they come back with.
  20. krysp
    Smeg!
  21. krysp
    Yeah I understand that they can use credit reference agencies to check data like mortgages, loans, CC's, but can they see how much money I have in my bank account as their letter implies.
  22. krysp
    Been receiving correspondences from a DCA who purchased an old LTSB account. In their latest letter, amongst the usual legal threats they have stated that they can obtain details pertaining to bank account balances, can they really do this or is this more lies intended to get me to pay them? I must say that their three or four letters sent since they purchased the account have been very pleasant, not at all like the previous poisonous threats I've had to deal with from other DCAs. They must be attending anger management courses.
  23. krysp
    Looks like LTSB have finally sold off all their old toxic accounts. I've just sent off the same Account in Dispute letter as I did when IQOR, Westcott, and Credit Security announced themselves as collection agents, will just have to see what Capquest come back with.
  24. krysp
    Free's one of my favourite words, I'll get onto it in the next day or two once I've finished the sanding down my boat. I thought an account sale from bank to DCA had to be accompanied by a notice of assignment (or something like that)?
  25. krysp
    Looked at Noodle the other day, may register with them tomorrow. Are they definitely legit? I've moved a couple of times in the last year, not sure which address the Credit Reference agencies have. That said, bloomin' DCA had no problems finding me!

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