Iamharrassed
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CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
I have now received a letter from Drydensfairfax informing me that they have now discussed my Defence with their client and have enclosed the same statement that I have had before. They imply that my defence is that the debt is statute barred but in fact that is not what I stated in my defence. I had previously received a statement showing the last payment was made in June 2011 so I did not use the statute barred for my defence. However they now say they will apply to the court to have the stay lifted and progress the legal action. Should I just ignore this letter? -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
Thank you very much for all the excellent help. -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
Well it's well passed 33 days now, so should I expect to hear anything further. I have checked MCOL and nothing further has been added since my defence. what does autostayed mean? Many thanks -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
As I understand it CapQuest or Drydens have to reply to my defence within 33 days, is this correct? If so, then the time limit has passed, so what happens now. I have checked on MCOL and no additions have been made since my defence. -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
oh,b........ -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
So, since CapQuest have sent me the statement with the last payment 02/2009 as part of my CCA request is this debt statue barred, and if so can they proceed in court. -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
cq statement 2011.pdf this is the statement received from CapQuest sometime back in 2011. the only statements I have had since show that the last payment was 02/2009. -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
Apologies, the V number on T&C1 is v6# and on T&C2 is v12b#. -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
The attachments show the T&C's received from CapQuest and the Application form in response to my request for CCA details. I have also scanned a letter received from DrydensFairfax in response to the CPR request. Not sure how to progress from here. . Many thanks T+C v#12b.pdf CCA+Letter.pdf T+C v# unknown.pdf statements.pdf -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
I think this statement was sent by CapQuest in 2011. It is just a listing of dates and the amount paid by direct debit. No ref numbers but final payment on 17/11/2010. Not the same as the statement I have uploaded, which is a more detailed transaction statement and shows the last payment in was made in 2009. Oddly enough the statement listing DD,s is on 3 pages and the first page ends with 02/01/09 £72.00 paid which coincides with the date on the typed up copy statement uploaded above. Perhaps they "lost" pages 2 and 3 Hope this all makes sense. -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
At some time in 2011 I received a Statement of Account which listed payments only and showed payment of£21 per month from 17/02/09 until 02/06/11. However on the latest statement received from CapQuest the payments seem to stop in 2009, so the two statements don't tally. -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
I have received a letter from Capquest with a photocopy of what I assume is the original application form, together with a typed up list of terms and conditions. Also attached is a statement, (27 pages) again typed up, not printed out from the bank. Mid way through this statement one of the items listed is as follows: Statement Date: 04/09/2007 Minimum Payment Due: £2,949.09 Credit Limit: £2,800.00 New Balance: £2,949.09 Transaction Date Details Paid-In Paid Out 04/09/2007 INTEREST CHARGE-OFF -£50.08 04/09/2007 OTHER FEES CHARGE-OFF -£126.00 04/09/2007 DELINQUENCY CHARGE-OFF -£2,773.01 TOTALS £2,949.09 0.0 Can you throw any light on to what this means. Looking at this it seems the account should be clear, but obviously it isn't. I guess I now wait to hear from the Courts, the solicitors have not yet responded to my CPR request. Many thanks -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
Thanks - defence now filed. What happens next, should I expect to hear something from the Court or CapQuest? -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
Is this better?? -
CapQuest/drydens claimform - old CAp1 card 'debt'
Iamharrassed replied to Iamharrassed's topic in Financial Legal Issues
Thanks Andy, back to the drawing board.
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