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jchull

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About jchull

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  1. They sent me a letter sometime ago saying I owed them money (debt transferred from ntwest etc), and if I didn' respond to them they would take legal action. I ignored it, and 2 weeks later go another letter from HL Legal saying the same thing. So, I send back a "prove it" letter last week. Now, they have sent me back a letter saying "In order to process your commuication further, could you pls provide the following information:" - proof of residence in 2000, copy of passport/driving licence and confirmation I ever lived at a certain address. They sign off saying its not a demand but a reques
  2. sorry if I'm posting on an old thread, but just wanted some more info as I'm in the same position. Capquest have asked me for proof of my address etc. Should I just ignore the request, is there a template letter I can send back, or is now a good time to send a CCA request? Any help greatly appreciated...
  3. Hi guys So I sent Capquest the "prove-it" letter last week. They have sent me back a letter ysterday saying "In order to process your commuication further, could you pls provide the following information:" - proof of residence in 2000, copy of passport/driving licence and confirmation I ever lived at a certain address. They sign off saying its not a demand but a request. Is there another letter I can send them back? Should I send a CCA request? Any help is greatly appreciated. Thanks
  4. Thanks. Do I send the letter to HL Legal or Capquest? (I would think HL Legal right?)
  5. also, once I send the letter, what are the next steps? At whats stage is a CCA request sent out?
  6. cheers Bazooka Boo, but the link doen't work
  7. Whats the "No debt acknowledged" letter? Same as the CCA request? I fouund this on a related consumer forum page: " Dear Sir / Madam Ref: I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within section 78 (1) Consumer Credit Act 1974 (section 77 (1) for fixed sum credit) - your oblig
  8. Also, they are saying the bank have transferred the debt to them (implying Capquest own the debt)
  9. Thanks guys.... very helpful... to clarify, I did get a lettter from Capquest in end July, which I ignored (as advised by this forum). But now this letter from HL Legal has got me thinking I should send them some response at least.... sorry to ask a basic question, but should I send them a prove it letter or a CCA request? Also, if someone has fraudulently used my account (while I was out of the country), should I go to the police?
  10. okay guys, just got another letter, now from HL Legal saying Capquest has passed on the matter to them. I should pay the amount by 15 Aug, or they will take me to court, affecting my credit ratings etc. I haven't ocntacted them as yet, but am now getting seriously worried. Shall I send them a prove it letter, or a CCA request? Any other suggestions? Please help!
  11. Thanks very much Elsa. The letter did say that if I didn't make contact with them by 2nd Aug, they would pass the matter on to their solicitors. Is this something to be worried about? I'm an honest citizen and have always repaid my debt in full... really don't need this....
  12. I received a letter from Capquest last week (which I have since misplaced!!). The letter alleges that I owe them £1000 (its a first letter form Capquest), which I know is fraud as I haven't used that bank aco**** in 5 years (and have been out of the country since). Should I send thema "proe it letter" or a CCA request? Also since I have lost the letter, I have no reference number. Is this a problem? I believe tey keep sending letters anyway..... any advice would be greatly appreciated.... thanks in advance
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