What's Happening to Solution Finance

[steven4064]

I'd be tempted to use the biggest

[animal_lover]

That would be the Cash balance it's nearly £5 per month sometimes more

i'm not even sure what it's for as i haven't taken any Cash advances or anything but that's the one i picked aswell.

 

Thanks AL

[steven4064]

You should assume then that they have taken the charges out of it

[animal_lover]

I recieved a letter from Capquest a few weeks ago saying they were going to look into the defaults on my CRA as in there previous letter they said there wasn't one.

Recieved letter yesturday from the same lady that was dealing with it apologising to me as she had been given the wrong information and that someone has/will contact all the CRA's to have them removed immediately.

 

In the same letter i also put my claim for a refund of charges for the account but nothing was mentioned in both replies, so i gave them a call today the same lady who has been dealing with it so far said she would look into my file and send a copy of it to Solution Finance today so fingers crossed.

I've also realised that on the letter it says to reply within 14 days - for the defaults to be removed and also for my refund otherwise i will be making a court claim.

Should i start the 14 days from today as the 14 days are up on the 31st Oct.

 

Thanks

 

AL

[steven4064]

As they seem to be doing something, I would give them a bit of leeway

[animal_lover]

will do, another 14 days as the letter says or abit longer

 

AL

[steven4064]

I think it is up to you to decide - balance your patience against diverting them from what they are doing

[animal_lover]

thanks i'll see if i've heard from them in a couple of weeks and then get an update on the situation and take it from there

[animal_lover]

Just wanted to update

 

I rang CapQuest last week after the lady didn't call me back with contact details.

 

As she looked on the computer she said that the defaults hadn't been removed yet and that she was gonna chase it up, She gave me a call back about 5 mins later to say that the best way for the defaults to be removed would be to close the account and not send it back. So she sid that's what she was gonna do.

 

So i said if you do that then it will affect my reclaim of charges, So she said she wouldn't close it and that she passed my claim via email on the 29th October but no one has got back to her so she would resend it and let me know when they have contacted her.

 

It's been 4 weeks overall since i first put the claim in and 10 days since i last spoke to her.

 

What do you think i should do next

 

Thanks

 

AL

[steven4064]

Closing the account makes no difference toyour charges reclaim - if that's what it takes, I would let them close it

[animal_lover]

I thought that but i wasn't sure at the time.

 

I'll send her a letter tomorrow asking to close the account and to get an update on my reclaim

 

Thanks

 

AL

[minnimes]

can i ask did they do to you what they did to me? they sent me a new card by littlewoods and cancelled my soultion account transfering the balance to the littlewoods card. they have different account numbers, to me this would make any agreement unenforcable, is that correct? or am i the only one they did this to? julie

[animal_lover]

Hi minnimes,

 

No they never did that to me. But i had alot of trouble paying my account as i was out of work at the time so it was probably suspended.

 

I'm not sure if that would make it unenforceable, as i think Solution Finance and Littlewoods are the same company now so it might just be an updated card.

 

Did you not recieve any letters or anything about it?

 

Sorry i'm not very good at giving advice, hopefully someone will be along shortly to give it to you.

 

All i know is when i try to contact them SF number is now Littlewoods

 

AL

[minnimes]

no no letter, i have got my own thread on this but not much help as of yet, i was also having payment difficulties, well still am really. set a cca today to see if they have one for this accout, if it was just an updated card would it not have the same number on it? sorry to high jack your thread but you seem to know what your doing and i dont have a clue,

[animal_lover]

I dont think they will have a cca for your new card as you haven't signed for it, they would only "have" a cca for your previous account.

 

No it wouldn't have to be the same card number just as long as it was the same account number.

 

It would be like say having your bank card,then if you lost it the new card would be a different card number but for the same account if that makes any sense.

 

Don't worry about it i always try to help if i can but i don't have a clue about what i'm doing myself it's just the little bits i pick up of other threads and advice that all these great people on here give me.

 

Once you get used to it you'll start picking up little things here and there and before you know it you'll be a little fountain of knowledge lol

 

Let me know how you get on

 

AL

[minnimes]

will do, im reading your thread with great intrest, there isnt much to be found on soloution on here,im hoping they wont have some way round the cca thing. thanks for the help. minni

[animal_lover]

Still having problems with Solution Finance/CapQuest.

 

Everytime i ring they keep saying there gonna chase it up again as no one is replying and they will contact me and they never do.

 

I think it's time to send the letter before action letter, What do you think? Do you know where it is as i can't seem to find it.

 

Thanks

 

AL

[animal_lover]

To add to the above post.

 

I've just gone through the info i got in my S.A.R for Solution Finance and was wondering if anyone could clarify something for me.

 

I noticed a copy of a letter for CapQuest (DCA) saying that they are writing to inform me that Solution Finance have sold my account to them and that it means that the effective owners of the above account are now CapQuest Investments Limited.

 

So does that mean that my reclaim for charges should be made against them and not Solution Finance anymore? Certainly would explain why they keep fobbing me off with the "I will chase it up" line when Solution don't reply.

 

Thanks AL

[steven4064]

If they bought the account, they bought all the liabilities. So you should claim charges back from them.

[animal_lover]

I did originally send my request to them as nobody seems to have a contact address for Solution Finance anymore.

 

I've kept the letter that says that my account has been sold to them.

 

What should my next move be as it's been over 6 weeks simce i put in my request and it's moved nowhere.

 

Thanks

 

AL

[steven4064]

Just move through the normal process - prelim letter, letter before action, court

[animal_lover]

Do you know where the letter before action letter is as i can't find it.

 

Thanks

 

AL

[steven4064]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

[animal_lover]

Thanks, I couldn't seem to find it.

 

I'll send it now as i sent my pre lim to them originally, or should i restart it again.

 

Thanks

AL

[steven4064]

No just carry on with the LBA