Nah, that's capquest who still owe me the £1. Wonder if Mac Hall are willing to pursue it for me? Hmmmm.......

Wow! I'm impressed! Got a letter from Mac Hall today. "Dear Sir. I write with regard to your recent letter. You are correct. This account is statute barred. We won't be bothering you again in future. Really sorry for troubling you. Sorry. Sorry. Bye. Sorry. Bye. Sorry. Sorry. Bye. Sorry....." Think I might frame it. A grovelling apology from a DCA. Who'd have thunk it? What does amuse me, however, is that they printed it on one of their standard letter templates. So that on the reverse it still has all the methods with which I could pay my bill. Ha ha!

Had the same letter myself last week. Mackenzie Hall acting on behalf of Crapquest chasing a debt from someone I've never dealt with. I'd CCA's Crapquest back in July 2009 and have yet to have the relevant documents sent. Now Mackie Hall are chasing the alleged debt. Given that I've had no credit for over 7 years then they're on a hiding to nothing. I'd agree with the Brigadier. CCA Mack Hall and watch them be unable to find any original agreement...

My favourite game!

Hiya. Hmmmm. On second reading it appears as though Muck Hall are acting on behalf of Crapquest. Why would a DCA ask another DCA to enforce a debt?

Hello you lovely people! I wonder if I could ask for just a little advice about how to tackle a letter I've received from these..........pondlife. Our hero's story begins in the summer of 2009. The weather was wet, the swine flu epidemic was in the headlines and I received a letter from Crapquest regarding a debt they alleged that I owed. I took advice from the good people on this forum, and requested a copy of the CCA (I believe the term is to "CCA them"). They replied to me saying the had received my letter, and that they would be in touch. The two weeks came and went and I had no reply (nor did they return my £1.00 fee which is a bit naughty). Eventually the sent me another letter, similar to the original one. So I again replied by using one of the stencils on here (the one which explicitly forbids them from pursuing the debt or transferring it to a third party). I heard nothing more from them for months, apart from a couple of letters asking me to confirm if I'd ever lived at a particular address. I ignored these letters and they went away. Fast forward to today, and I have received a letter from Mackenzie Hall regarding the same alleged debt. Now, I'm fairly happy to play this merry-go-round game again as I get something of a perverse pleasure form it, and I would like to see which debt collection agency they eventually sell it on to. However.... I'm furious about Crapquest passing on an account to a company despite being expressly forbidden from doing so by the Consumer Credit Act. I'm also furious with both companies for not doing their research. I have no idea where this debt is from and, even if there were a debt, I have taken no credit out in over 7 years apart from a credit card (which I pay on time every month). So they are pursuing a debt that they know to be statute barred. Short of sending them a letter and a box of doughnuts to see if they think the sugar is actually anthrax again (that story almost made me wee with laughter) I'm a bit stuck as to my next action. Seeing as these companies are notorious for being bullies, I am quite up for being INCREDIBLY nasty back to them:evil: (perhaps even invoicing them for my time and then approaching a DCA to enforce the debt when they don't pay...) Over to you guys. What do you think I should do?

On more than one occasion

Right, so over 6 months have passed since my initial CCA request to a villainous DCA. I've had a couple of "Please confirm if you have ever lived at this address" letters, a couple of "we are considering issuing a SD/taking you to court" letters, one "special discount offer if you pay within a couple of days" letter and now another "we have passed your account to our litigation department" letter. I've still not had my CCA, nor have they returned my £1 (which I am particularly miffed at). So, who should I complain to following their most recent "starting the litigation process" letter? Trading Standards? Financial Ombudsman? Office of Fair Trading? Any ideas?

Sounds like the staff at the jobcentre you sign at can't tell their arse from their elbow. Next time you go in, ask to make a complaint. Make sure you are given the "Our Service Standards" leaflet.

Work trials are voluntary. If you leave the job before the trial ends, or turn down any permanant job offer as a result of the trial, then your benefit will not be affected. The whole point of the work trials are for both the employer and potential employee to see if they are suited to each other.

It is an unfortunate result of increasing identity theft. In the past, government departments would have been happy to use things like your address, date of birth and NI number for security checks. However, these are relatively easy for an identity thief to, er, thieve. Security questions now are tailored to things that are more difficult for identity thieves to acquire. For example, the jobcentre would ask what day you sign on, how your benefit is paid, what type of jobs you are looking for etc. HMRC don't really have these questions as an option, and so will use other securty questions to verify your identity instead. Personal finances are something of a strong security question.

Will your ex not agree to "maintenance direct". In essence, you pay her direct but your CSA case is not closed down. They will still make an assessment when your circumstances change and can arrange collection of payment almost immediately if anything breaks down between the two of you, but they can allow you to pay your ex directly.

Indeed I did!

Yep, they've put "Order of the Court". Never thought of complaining to the DCA themselves. What nursery book do you recommend for phrasing a letter to their complaints department?

Had the same letter from them myself (with obvious differences) recently, although they've still not replied to my CCA request. Think I'm right in thinking that, if they are offering you a discount, then they probably know themselves that they've got a snowflake in hell's chance of getting anything from you.

Horse's head it is then!

Hiya. Thanks for the quick reply. I didn't send it recorded delivery so have no proof of that, although I do still have their letters in reply telling me that they were looking for the relevant details (or words to that effect).

Quoting the letter... We note with regret that you have not chosen to deal with this matter etc etc. It is therefore our intention to progress your account to our pre-litigation system where the relevant vaildations and checks will be completed (good of them to bother with such minor details). Your account will then be passed to our solicitors who may commence legal action on or around 15th April (tomorrow. thanks for giving me time to reply guys!) Through the litigation process we will seek an Order of the Court. If we are succesful we will seek to enforce such an order with a warrant of execution...blah de blah de blah..... The letter goes on to tell me all about the Bailiff's coming round and taking my stuff, but that this is avoidable if I contact our villainous debt collection agency by tomorrow. I did CCA these guys when their first letter arrived back in June last year, and have since reminded them on two further occasions of their obligation to provide me with the CCA after a couple of rounds of letter ping-pong, but it still has not been forthcoming. What do you lovely people reckon my next move should be? Another CCA reminder? Or is it time to send them a horse's head or something?

Thought that was the case. Looks like Crapquest have been up to no good again (shock horror).

Hiya folks. Just wondering if any of you can tell me exactly what a deed of assignment is? Is it when a debt is purchased by (for example) a debt collection agency, rather than them collecting on behalf of a creditor? Oh, and one other thing. Can a deed of assignment be, erm, assigned while an account is in dispute? Cheers

Hmmm. That looks remarkably similar to the letter that I sent them in January, which prompted them to ask me to confirm an address that I used to live at. I appreciate that they can't do anything until they provide proof of the debt. My concern was with them asking me to prove that I am who they say I am. I've noticed another thread on here with a similar theme. Think I should just reply with that letter again and also stick something in about how they are breaking the Data Protection Act by sending personal details to someone whose identity they are unsure of? And also, while I know and they know that the debt is unenforcable until they do provide the CCA, how likely are they to carry on twith a statutary demand anyway? (which is what they seem to be threatening in their most recent correspondence).

Hiya folks. New to this forum. I've been having a read of the various Capquest threads that are on here as I've received some letters from them. They originally contacted me back in June or July last year. After having a shufty on here, I fired off a CCA request to them. They told me that my account was on hold while they looked for the paperwork. So I waited. Around a month or so later, they sent me another letter saying that they had found what they needed, but before they would send it to me, I was to phone them and provide some information under the Data Protection Act. I took this to be them wanting me to prove to them that I was who they say I am. So I ignored it. Fast forward to this January where they wrote to me again with a special discount offer that was only valid if I accepted by the end of the week. I also ignored this as they had not sent me the relevant paperwork (which I had paid the £1 for!!). They then (under the guise of a firm of solicitors) wrote to me again, informing me that as I had not come to an arrangement with them, they were going to take me to court unless I paid X amount of money. I replied by informing them that they had still not replied to my CCA request and would they kindly forward the relevant documents. They replied to me again (this time as Capquest), asking me to confirm if I had ever lived at a particular address (which wasn't entirely accurate. I had lived at, say, Alpine Road. They wanted me to confirm if I'd lived at Alpen Road). I wasn't sure how to respond to this, but it's kind of irrelevant now as they have now informed me that, unless I give them call to arrange something, they are going to take me to court etc etc. Was wondering what my next move should be? Thanks in advance for any help