Red Dept / CapQuest Dept

[Kronenbourg]

Hi

 

Sorry if this is in the wrong section of the forum, I am new to these.

 

I have for years ignored my outstanding dept in the hope that it would go away and I could start a clean slate in years to come. Stupid I know but when it's all on top of you, you just try to brush it to the side.

 

Anyway over the past week or so I have decided to see where I stand and what I have outstanding.

 

The information I have obtained is as follows:

 

Red Dept Collection Services:

 

HSBC Mastercard - £1221 - Dept has been purchased

HSBC Current A/C - £5620 - Dept has been purchased

Egg Visa - £670 - Dept has been purchased

 

CapQuest Dept Recovery:

 

Tesco Loan - £4500 - Dept has been purchased

Littlewoods Catalogue - £630 - Dept has been purchased

Natwest Mastercard - £1000 - Dept has been purchased

Littlewoods Catalogue - £560 - Dept has been purchased

 

After looking on these forums I decided that I would issue a CCA request for all the above accounts and have done so yesterday via recorded delivery.

 

Red Dept have sent me 2 letter's last week advising that they are not going to write with any more warnings about the HSBC accounts and the next communication will be a bankruptcy petition.

 

Do they have to supply a CCA for all of the above?? And if they don't what will happen from here??

 

Thanks in advance guys I have a feeling I am going to need a lot of help to see all this through.

[Boro]

Whilst a current account isnt covered as such by a cca request they still have to provide proof of the debt, these guys do like to issue statutory demands (first step towards bankruptcy) but these are very easy to get set aside and in 90% of cases used as a threat so dont worry!

[Kronenbourg]

Thanks.

 

What sort of proof should I request that they send me??

 

Will it be the same for the Littlewoods catalogue??

[Kronenbourg]

Guys can anyone help here.

 

I have received a response to my CCA request to Thames Credit today and it states that as they are not the original creditor and they have purchased the dept they have no obligation to provide me with a copy of the CCA.

 

They also state that they will continue with their debt collection activity.

 

What should I respond with here or are they right in what they are saying??

[BrandiBroke]

Guys can anyone help here.

 

I have received a response to my CCA request to Thames Credit today and it states that as they are not the original creditor and they have purchased the dept they have no obligation to provide me with a copy of the CCA.

 

They also state that they will continue with their debt collection activity.

 

What should I respond with here or are they right in what they are saying??

 

No they are being completely untruthful with you, they are underobligation to provide you with a true copy of your CCA. They are trying it on as far as I can see. Personally I would ignore them but hopefully others who are more experienced in these matters can advise you further

[Kronenbourg]

All

 

I just wanted to say a massive thank you to the guys that supply the advice and information on this forum.

 

I can now say that the advice is absolutely spot on and since my original post the following has happened:

 

Red Dept Collection Services:

 

HSBC Mastercard - £1221 - CLOSED AND WRITTEN OFF

HSBC Current A/C - £5620 - CLOSED AND WRITTEN OFF

Egg Visa - £670 - NO RESPONSE FROM DCA IN OVER A MONTH!!

 

CapQuest Dept Recovery:

 

Tesco Loan - £4500 - CLOSED AND WRITTEN OFF

Littlewoods Catalogue - £630 - CLOSED AND WRITTEN OFF

NatWest Mastercard - £1000 - CLOSED AND WRITTEN OFF

Littlewoods Catalogue - £560 - CLOSED AND WRITTEN OFF

 

I have now requested that the defaults be removed, will update you when I get a response.

[hanibalthehun]

i did silly thing and phoned them and today i reseved a letter from red dept collection services talking about Pre Litigation Depeartment as they have no contact with me what should i do about it