hi thanks for the replies capital one did mark a default on her file prior to it being sold to capquest , however 2 more have appeared during the time she has been dealing with capquest. the history of the debt is that she had a decent paid job when she got the credit card from capital one but then lost her job around 2 years ago , she rang capital one to arrange a payment plan to clear the debt but during this she defaulted which as dx100uk states involved being hit with a number of charges which resulted in the debt being passed / sold on to capquest who she set up the direct debit with this was then changed to a standing order after capquest kindly made her overdrawn at the bank due to them increasing the DD amount again resulting in charges from her bank. Now capquest seem VERY keen to get her to change from standing order back to DD which she refuses to do ( understandably if they can keep jacking the payment amounts up ) the problems seem to arise when theres a bank holiday and the people who call from capquest basically imply that its her fault that the banks dont trade on bank holidays. unfortunately she doesnt have the capital one statements but does have numerous letters from capquest but the majority of the time they always want things sorted over the phone. threatening court action if she doesnt set up new payments immediately over the telephone which i keep telling her not to do and to get everything in writing. (thanks to advice on this site ) gaz

good afternoon all my partner had a debt to capital one which was bought by capquest , she entered into a repayment plan which was paid via direct debit weekly, around 2 years ago she checked her bank and saw that capquest had upped the payment so rang them and set it up to be payed by standing order to avoid them changing the payment amount again. all was well up until easter bank holiday (2012) when she recieved a phone call stating that she had defaulted on her payments ( this was due to the fact that her payment should have gone out on the monday , obviously this didnt happen due to the bank holiday ) and so the payment was late. The lady from capquest changed the date that capquest should recieve the payment day to accomodate any future bank holiday disruption but it also meant that my partner now has a default notice on her credit report. Today she recieved another call from capquest saying they had cancelled her agreement due to late payment again due to the bank holiday, even though in the callers own words ''the payment should have been recieved on the 10th ( yesterday ) they cancelled the agreement on the 9th'' ????? resulting in yet another black mark against her name what i want to know is , are capquest allowed to cancel agreements without prior notice? and should she recieve defaults due to capquest's incompetence to realise that banks are closed on bank holidays ? sorry for the long winded post but its really infuriating when she's doing her best to pay her debts . i could understand if she was trying to dodge paying her outstsnding debts any advice would be greatly appreciated thanks in advance gaz

hi all firstly apologies if this is in the wrong section ( please feel free to move if it is ) a couple of weeks ago mine and my partners cars had their door mirrors kicked of and smashed up by a drunken man, my neighbour and i saw him do it and called the police , we then went out in his car to try to find the guy who had done it , eventually we caught up with him and performed a citizens arrest and delivered him back to the police who were still at my address looking at the damage. we had to give statements etc and obtain an estimate for the repair of the cars the bill for mine and the wifes cars was just short of £720 the man was charged and appeared at magistrates court and admitted to the damage and also to damaging a further 20 cars , he was given a suspended prison sentence and ordered to pay £430 compensation , i recieved a letter today saying i had been awarded the princely sum of £ 19.21 compensation. my question is , is there any way i can appeal against this award as i dont see why i should be out of pocket because of the antics of a drunken idiot ? to me its an insult the judge may as well have told the guy to come round my house in the morning and take a **** in my cornflakes just for good measure, and they wonder why the police and court system gets no respect at all any advice would be greatly received gaz

sorry not sure how to resize the image so i removed it thanks for the link 42man. i'll send the statute barred letter tomorrow also i forgot to mention i got a copy of my credit report , which was clear , am i right in thinking this sort of proves that there should be no outstanding debts against my name ? regards gaz

hi all just a quick update , today i recieved a letter from lowell portfoilio, stating they did not hold copies of my original agreement , but have requested them from lloyds. they also say ''there is no legal obligation which states we must send the information within a certain time period '' do i just wait for the copies of the original agreement ?

thanks for the replies guys i have the prove it letter ready to be posted and hope it'll be the last i hear about it . i'll keep you posted

hi all new to the site i have read with interest the numerous posts regarding lowell portfolio as i have been getting random letters from them and red debt collections regarding a debt they bought from lloyds tsb, recently the letters have turned to phone calls at stupid times of the day and night (most recently 11:15 pm ) the only debt i can remember having with lloyds tsb was when i was going through a divorce (2001) this was simply bank charges as i remember any advice on how best to deal with this would be greatly appreciated regards gaz