Rbos, Aic And Capquest

[gilli2008]

Hi to all on the forum

 

Heres my story

 

Approx 10 years ago I had a Royal Bank of Scotland account and a £10000 loan, I fell into financial difficulty with the account becoming overdrawn and the loan payments falling into arrears, I also had other debts at this time so the letters were pouring in from the DCA's.

 

The DCA instructed to collect this particular account was Allied International Credit and the amount they said I owed to the RBOS was around £21000 as they have lumped both bank account and loan together, I disputed this as I was only overdrawn by £900 on my bank account and had made payments on the loan before I defaulted, they never listened and continued to threaten me with court etc, I was worried sick with their threats and actually drawn in by them and commenced to pay them £70 a month for a while, then I stopped paying again due to finance problems and the phone calls came, I just ignored their number, and sent them payment when I could.

over the last few years i have just sent them £50 monthly missing some payments when I couldnt afford it, I really havent got a clue how much I have paid AIC but this has been going on since 1998

 

In November 2007 I received two letters from Capquest stating they had bought both the flat loan account and bank account from RBOS the loan being around £11739 and the bank account £182, now this to me seemed like more realistic figures compared with AIC as my balance with them was still in the regions of £19000 .

 

I have since paid off all my other debts and this is the last one remaining, I want to know exactly what I have paid back and exactly what I owe and to whom.

 

My situation now is that I am paying Capquest £70 a month and AIC are still hassling me for "Full Payment of approx £19000".

I have told AIC that Capquest are dealing but they refuse to listen and continue to ring me.

 

Two DCA's asking for the same debt and with different amounts owing???

 

Today I have sent CCA Requests to RBOS (Branch Address), AIC and Capquest, Have I done the right thing?? and should I continue to pay Capquest??

 

Any advice is much appreciated

 

Thanks in anticipation

[gilli2008]

p.s how do i make the title of my thread bold?

[clutchingatstraws]

Welcome to Cag

 

Were all the requests sent with £1 payment by signed for delivery?

 

Did you ask for a full statement of the account.

 

How have you been paying cheque/giro etc?

 

Usually it is the company demanding the money that I send them to. But the fact you have CCA'd any of them is the first step in finding out if they have the right to collect.

 

Good luck Cas

 

No idea how to make the title bold

[mr.ton]

Hi to all on the forum

Two DCA's asking for the same debt and with different amounts owing???

 

I think they must compete against each other to collect the debt & make up their own rules along the way

[gilli2008]

Welcome to Cag

 

Were all the requests sent with £1 payment by signed for delivery?

 

Did you ask for a full statement of the account.

 

How have you been paying cheque/giro etc?

 

Usually it is the company demanding the money that I send them to. But the fact you have CCA'd any of them is the first step in finding out if they have the right to collect.

 

Good luck Cas

 

No idea how to make the title bold

 

Hi Cas

 

Yes i sent £1 cheques with each CCA, the cheques in my wifes name, I have sent them all recorded delivery and I have also sent AIC a S.A.R - (Subject Access Request)

 

Is it worth me still paying Capquest the £70 monthly or should I wait till they relply to my CCA request.

 

Thanks

[clutchingatstraws]

12 + 2 days (working days ) after your request was sent will put them in default. If they haven't sent you a copy of an enforceable CCA by then you can stop payments.

 

Scan and post anything they send covering personal details to get an opinion.

 

If your nrxt payment is due before then I would put it to one side and only send it if they come up with a kosher CCA.

 

Cas

[gilli2008]

Next payment is due on 1st Feb, if I havent received an enforcable CCA by the end of Jan I will withold payment.

 

So if I dont recieve a CCA within the 42 days from either of the three mentioned are the debts unenforcable? what would be my next step?

[clutchingatstraws]

Whoever is claiming money from you for an account covered by a consumer credit agreement (Loans and Credit Cards) are obliged to supply you with a copy of that agreement within 12+2 days if they fail to do so they are in default and should not continue to persue you for payment until they do so.

 

After a further month they commit an offence.

 

the 12 + 2 are working days so don't include sat sun or BH. If no CCA supplied you can stop paying if they continue to harrass you after a further month report them to trading standards.

 

Keep copies of everything you send and recieve along with all proof of postage and sighned for recipts from the Royal Mail tracking, I keep mine in the see through sleeves you can get and a 4 ring binder. The bigger the better.

 

Don't forget to post up any alleged agreement for opinions.

 

Cas

[gilli2008]

I just came across this on another thread

 

OFT guidelines

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

 

2.6 Examples of unfair practices are as follows:

c. using more than one debt collection business at the same time

 

resulting in repetitive and/or frequent contact by different parties

 

d. not ensuring that an adequate history of the debt is passed on as

 

appropriate resulting in repetitive and/or frequent contact by different

 

parties

 

e. not informing the debtor when their case has been passed on to a

 

different debt collector

 

h. ignoring and/or disregarding claims that debts have been settled or are

 

disputed and continuing to make unjustified demands for payment

 

 

Surley sections in red apply to me in this case, RBOS have never informed me who the debt has been sold/passed to plus the fact I have 2 DCA's chasing me for same debt and the figures dont match up:eek:

 

 

My CCA requests were delivered today according to the royal mail site so I'll wait the responses.

[gilli2008]

Today I have had the first response fron RBOS,

 

 

 

Does this mean they have sold the debt and can no longer supply a CCA? And there is no mention of AIC.

[gilli2008]

This morning I have checked my bank online and saw that the £1 cheque for CCA and £10 for S.A.R that I sent to AIC have been cashed.

 

I also receive this letter from Capquest....

 

 

So if RBOS say Capquest are dealing and Capquest need 28 days to find the CCA whats the chances of there being one?

 

I have paid loads of payments to AIC over the years but I am very suspicious that they have not been applied to my account.

 

I just want to know exactly how much I owe and what I have paid.

[gilli2008]

I forgot to mention, I reported AIC to FOS for chasing me for a debt that another DCA is being paid for and got this letter back from them

 

 

Not a peep from AIC since last phone call on Wednesday.

[nice_one]

Have you had any updates since?

 

I have AIC chasing me for a £900 debt to NatWest that I tried to pay off - I told them I would only pay off what I owed and none of their silly wee charges - the guy threatened to come to my house so I told him hey I am on Argylle Street the now with some pals - why don't I come and see you and save you the trip??

 

He claimed that was a threat and he hung up on me - so its ok for him to come to my house - thats not a threat - but me going to him? Different kettle of fish - thats a threat - so I take it I am not even allowed to be on the same street for fear of intimidating the intimidater...

 

I'll bet the guy at the other end of the phone was a scrawny wee maggot who was bullied at school and this is the only way he can get his kicks now...

 

I just can't believe that despite me offering to pay off my rightful debt, they won't let me - nor will they negotiate - so now what - Summary Cause action? The legal fees alone will cost them more - and the beauty of Scots Law is that if I make them an offer of the debt (known as a "tender") and they refuse, if the Sheriff finds that I truly owe them £900 which is already admitted but none of the fees over and above, THEY have to pay all costs!!

 

Bring it on AIC - lets see what you are made of!!

[Dipply75]

Hey guys, I have had dealings with this kiddon company before. Asking them for proof that they either own or are authorised to deal with this debt is always good for a laugh. Ask them for a letter of assignment from RBS giving them your details etc to chase, bet they won't have it or get V sniffy. This company generally don't have a clue what they're doing and just rely on bullying money from folk.

 

Good luck with them loL!

[paulwlton]

The response from your SAR should be Interesting!

 

Paul

[gilli2008]

Well a quick update, I havent heard a peep from capquest apart from one standard letter from HL Legal which i responded to with the relevent template.

I received my S.A.R back from AIC which said I had paid over £4000 over the last 10 years.

 

I recieved a S.A.R back from RBOS which was very sparse, no details of payments made just phone calls etc spanning only 2 years.

 

Now today i recived a card from a company called SMC (Secure Mail Services) saying they have an item requiring my signature, see this thread http://www.consumeractiongroup.co.uk/forum/general-debt-issues/134589-strange-calling-card.html#post1420800

 

I have phoned SMS and told them to return to sender.

 

G2008

[gilli2008]

Hi all

 

Just a quick update, I have today recieved this letter from Capquest, should I just ignore it as the are clearly in breach after all this time?