CapQuest EGG loan & Credit Card

[ananya]

Hya, I had a loan and a credit card with Egg and the debt was sold off to CapQuest some time back, who have added massive charges. Can I still send an S.A.R. to try and claim these charges back and if so, do I send it to Egg or CapQuest?

 

Many thanks

[Curlyben]

First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.

 

Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some important deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action once the DCA continues to demand payment.

 

I hope this clarifies some things.

 

 

See what CQ have to say and then go from there.

[ananya]

Hya, I'm afraid it's too late for that, I've been paying them a nominal amount for quite a while and refuse to talk to them on the phone. They did have my number from Egg and harassed me until I sent them the harassment by phone letter from this forum, they stopped phoning me and agreed to remove my number, they have at least stuck to that.

 

Have I blown it then? It's something that I honestly didn't know I could do anything about until reading through this forum.

[Curlyben]

Its NEVER to late to CCA a DCA.

 

You MUST ensure that they can legally collect this debt.

 

As and when they comply with your request then get a SAR into Egg and go for the charges, hey there's nothing stopping you doing that at the same time as the CCA.

Another part of CCA is to confirm if CQ are entitled to add any sort of charges at all, normally a DCA isn't allowed to at all.

[mrmarmite]

it never too late to send CCA so dont worry.

 

send cca to crapquest (they are bout 20 miles down the road from me) and send egg a S.A.R to check for charges.

 

i hadd credit card go to crapquest and was paying something silly on and off, they got snotty and threatend me, I then found the Consumer Action Group, I have never heard a word since

 

Send the CCA

[ananya]

Ahhh thank you, I shall get that done first thing Monday. I've got 2 others to have a go at as well and I know for a fact CQ have added fees.

 

This should be fun

[mrmarmite]

like us lot when you 1st start out, you get replys fro dca's that will send a shiver down your spine. the more you do it the easier it gets. my case now I cant wait to get home from work and rip open the post to see what just i get from a debt collector

[Curlyben]

Completely agree with MrM.

I'm a little annoyed as ALL of my DCA's have taken their collective balls home, so what am I meant to do for amusement now ??

[ananya]

I've had successes with bank charges thanks to this fantastic forum, it just didn't click that I could do something about the credit cards too

 

The thing is, these people don't expect you to fight back do they? They just expect you to lie down and accept it.

[mrmarmite]

DITTO CB, i started bugging the OC's now and have the odd court order or 5 on the go, dca's know when they hit a brick wall, i now send letters to dca's just to annoy them whist i wait for a reply from any of them, for example no threat letters now for 4 weeks so i wrote 1 out 2nite to cabot given em 14 days to cough up a CCA or i'll take them to court (had a drink 2nite and got in the mood for a letter session (poor them))

 

soz it the only way to keep ones mind active and to supress the boredom of waiting for a threat letter

[mrmarmite]

you are correct ananya, even then they will still ignore you because they think you not got the balls to follow it through, that is until they get court order through their letter box

[Curlyben]

Yep I'm getting a season ticket to my local County Court later this month

A ton of action to bring as well and cooking a few DCA's in the process.

[mrmarmite]

"sweet"

 

I like me dca's crispy if you cookin on the bbq

[ananya]

I remember how it felt when we won against NatWest, I've also got 2 other claims in the system, awaiting the outcome of this test case. I am looking forward to another fight or 3

[mrmarmite]

lol ananya, yes while it easy to get use to court orders and stuff, you wait till you are further down the line, it can get bit boring hence why the odd wake up letter gets sent to them, purley just to remind them that "HEY HERE I AM, DON'T FORGET ABOUT ME PLEASE, I MISS YOUR PATHETIC THREAT LETTERS" lmao

[ananya]

Like it

 

I wonder if they are genuinely suprised when people answer back?

[mrmarmite]

TRUST me when i say it more like confuses them when your chasing them for a debt that they "Claim" you owe them.

 

me personally like to string it along a little to drag it out (especially when I know there nowt they can do) yet again it starts gettin a little boring like 6 months or so later so you go in for the kill. to date when i go for the kill I either get no response and they vanish off face of earth OR get letter "We have decided to close your account and will not be in contact with you reguarding this account any further"

 

end result GAME OVER (for them that is)

[Zimmie]

Another part of CCA is to confirm if CQ are entitled to add any sort of charges at all, normally a DCA isn't allowed to at all.

 

Hi Curly Ben, Could I ask that you expand on this as CQ have added a large amount on a credit card debt they purchased from Egg, when I asked for a statement of account it was shown as interest. I have the CCA (from Egg) and it looks 'complete'.

Thanks in advance.

[221b]

Would someone mind having a look at my own Capquest Mini Hell ? !!

 

Here is the link: http://www.consumeractiongroup.co.uk/forum/general-debt/125928-capquest-threats-ethics-non.html#post1316443

 

Not sure what specific action I should take next or with whom.

 

All pointers gratefully received...

 

Happy New Year!

 

221b