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CapQuest/HBoS Statutary Demand


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Here we go - a supposed CCA from CapQuest, hence yesterday's solicitors letter.

 

Well I can see no real prescribed terms - the APR is not clarified is it? The right to cancel says I have a short time and how and when will be sent on to me, no credit limit, no monthly repayments and total amount with credit, the terms and conditions are on the back, which I believe have to be on the same page(?), but could be acceptable?

 

Again, the bit under "The Agreement" states, "I understand that Halifax Plc may use credit scoring techniques to assess my application."

 

Anyhow, they have committed a criminal offence by non-compliance to the 42 day deadline and the debt is unenforcable at this time. I gather this is like my Smile CA - unenforcable due to being incorrectly executed.

 

Your thoughts please.

 

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As no one seems to want to even read this, maybe I should put in what I have now gleaned from this. The APR is not totally clear, although it appears as the title of the card, it doesn't say "Halifax Classic 10.8% APR Flat Rate Card".

 

It is not signed by anyone at Hbos.

 

There is no total amount of credit repayable on a maxxed out card as there is no credit limit stated.

 

There is no repayment structure and total amount repayable if only minimum payments made.

 

I think this then makes it an unenforcable agreement over and above the fact CapQuest have committed a criminal offence and cannot enforce this debt without a court order. But why would they want to go to court when they have defaulted and committed a criminal offence?

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Look under '7. Important Financial & Related Details'

 

'We will set a credit limit for your account and tell you what it is.

 

OK so I signed for a credit limit I hadn't yet been told about?

 

been here before.

 

 

I've read a few of your posts and I am not sure of your motives here. All seem to be telling people you are right and they are wrong.

 

What overdraft is this then?

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Thanks Tomterm. Can I ask where they signed the agreement? As if you refer to the very faint stamp mark below "You have lived at the above address for.." it reads:

 

"RECIEVED

-3 SEP 20 (rest illegable)

(printed squiggle not a real sig.)"

 

However, I may be wrong in thinking it has to be a real signature.

 

Rory has sent me some info on the overdraft CCA which mine falls under.

 

I was pretty sure this was similar to the Smile one in so much as the correct terms were not there. Thanks. ;)

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I thought that might be the case, hence my mode of questioning on the signature front.

 

I fully agree that nowhere does it say anything to the effect of "please read and check details and read all T&C's overleaf before signing. Upon signing you are agreeing to the T&C's overleaf", or something similar.

 

OK Tomterm, thank you for your help. It is as I suspected but slightly changed re the signature front, which I now understand. :)

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  • 1 month later...

OK I CCA'd CapQuest over 2 alleged credit card debts back in April. On May 2nd they defaulted and on June 1st they committed an offence.

 

However, CapQuest came back with what appears to be a CA but on closer inspection is a non-enforcable piece of paper as it doesn't have the legally prescribed terms on it.

 

So I sent them a letter asking them to set the account to zero, compensation for continuing to process my data, cease and desist from further harassment, etc. Also informed them they cannot enforce the debt and cannot get it infoced in the court.

 

I hear nothing for a few weeks then they send me a letter demanding immediate payment and thanking my for my correspondance. Attached is a copy of the non-enforcable bit of paper which is headed "This is a Credit Agreement".

 

I won't go into too much here but they also said they investigated me and I asked for proof of the finding they said they found which is utter bull anyway, and they have done nothing to answer this.

 

Should I report them to TS and ICO and also just do the broken record and re-send the letter I sent?

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  • 3 weeks later...

Thanks Peter.

 

The original CA copy sent to me as per the photos - this has the T's & C's printed overleaf. However, when they re-sent this, there were no T's & C's overleaf.

 

The Agreement box states "I have recieved a copy of and agree to be bound by the Conditions of Use". It makes no reference to "overleaf" which another agreement I have says and actually hasn't got them overleaf.

 

Plus this turned up after an offence was commited on the out of time production of the CA.

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  • 5 weeks later...

OK I've got this HBoS/CapQuest debt that 'appears' to be good. I know I have to SAR HBoS to remove the charges, but as I've been away from the forum for a bit, can anyone tell me the coup with claiming charges on credit cards? Is it still good to go or on hold?

 

I'll be fair, CapQuest will STILL accept my £1.00 per month and have offered to drop the debt by £600 - not that I could afford to pay it off and I'm sure that's only the charges removed anyway.

 

But, I fell floored by it and they are threatening court action by 16th Sept if I don't comply.

 

If I SAR does that stop them seeking court action immediately or not?

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  • 9 months later...

Just received a Statutary Demand from CapQuest which has £703 of interest included! Nice!

 

It's also written to a name which isn't mine. For example if my name was Collection they have written to Colction and the SD is in that name, i.e. they have missed 2 letters out of my name on both the letter and the SD.

 

The debt was CCA'd some time ago and a CA was given but several people on this forum have agreed the CA isn't enforcable due to the wording and the fact I signed the front form and there was not CA T&C's on the front of the form.

 

I wrote back to them disputing the debt and requesting compensation under the Data Protection Act and for them to stop misusing my data, to which they ignored this. I have had one or two letters back from them but effectively the debt is still in dispute with me.

 

The SD was dated for yesterday and the covering letter dated for today and it only arrived in the post today - ESP or what?!?!?

 

Not quite sure where to go being as it has been CCA'd, I suppose I could S.A.R - (Subject Access Request) it immediately???

 

All advice greatfully received - thanking you.

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OK I've contacted the court and got the set aside forms, which has no provision to change the court.

 

Sent a complaint letter to CrapQuest who sent me another copy of the CA which several people have said is unenforcable. CrapQuest think it's good to go. But surely, if they bankrupt me, they won't get any money from me?

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NO I haven't worked for 6 years, do not own where we live, no car, nothing they could have off of me. I'm a full time carer.

 

Yes they have filled that bit in about which court to go to. I phoned that court which isn't that far from me but not local, and their set aside forms are for their court only. Should I get an affidavit from my court to fill in and send back, stating that is the correct court, not the one CQ chose?

 

I'm quite worried about the CA - it's the same one I've banged on about for a long time. The page I signed only has the APR on it, the sentance stating the limit and repayment terms are on another piece of paper called Terms of Use. They origianlly sent me the CA with the Terms of Use on the back, but they have sent me two copies of the CA now with no Terms of Use on the reverse.

 

I've been told it's a mailer application.

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Thank you very much for that. Yes I have SAR the OC.

 

I'll PM you the thread with the CA and the reverse Terms of Use - surely even if they are on the other side, they are not in the single document, because it's headed as something else?

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So, how do I word this for the set aside, as I am extremely confused. I also care full time for mum who is suffering severe Alzheimer's and physical disabilities. My time is so short to deal with these things.

 

Maybe there is someone on CAG who can advise/help me?

 

I've not got the money, I own nothing so I don't know how to proceed.

Many thanks

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Just tried speaking to my local court and they don't do bankruptcy and the court I've contacted is the nearest one! I one I originally contacted wouldn't really talk to me about it when I asked for advice. I've been told to speak to the court as they will help..........Not this one!

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  • 3 months later...

I'm off to court next week for a set aside on an SD from CapQuest.

 

I have only had printouts of an "account" from the OC and nothing else disclosed in the SAR.

 

My defence is here http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147909-capquest-hbos-statutary-demand.html which I hope is ok.

 

Been told to just be honest which I will be but I'm not really sure what happens at one of these and I'm rather nervous. Can anyone help and advise me please?

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Hi Rory

Yes I invited the court to order cost in favour of me in respect of reasonable cost of preparing the application and attending any hearings in respect thereof.

 

Also, reading some other bits, if they didn't apply the Law and Property Act correctly and send a correct default notice, they have made a big boo boo, is that correct?

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Thank you both.

 

I think the CA is a good un which means even if this is set aside I would gather they'll got for a CCJ - but if I can make it to next March the 6 years are up!

 

Would the judge mind if I took notes as I'm sure I'll never remember everything or at least get muddled?

 

I really do not have any original statements, I have never recieved a default notice and I have never received a notice of assignment from the OC.

 

The SD was sent via 1st class post - is that properly served?

 

I checked the paperwork I got from HBoS last night and the alleged debt is £1500 something, (forgive me my head is spinning with stuff at the mo), but about £100 of that is charges interest and payment protection. So it brings it down to £1400 something OC claiming for. CQ claiming £2200 something around £750 more than the alleged debt and this is what they have put on the SD.

 

HBoS not sent any other things except badly printed out what they consider "statements" and trust me, they say on them "statement date" and when to "pay by" which HBoS make it look like they have been sending out, but I have not heard from HBoS in years.

 

I also have a letter from HBoS saying they do not have to keep manual interventions on the account.

 

Plus this is the one which is served to Miss Vampyra WrongSurname! Surely, that wont help them?

 

Also, the CA which they sent originally has not been sent out again they keep sending a copy out with no T's & C's on the back *shrugs*

 

I have to admit I am scared. I've told no-one and I'm doing this entirely alone.

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As far as I know noone has ever tried to serve anything by hand. Don't forget, I'm in most of the time because of caring for mum.

 

Even though I don't pay for day care, mum has had to go into day care on the day of the court case so could I claim for that too?

 

I'll ring the court now. Do they have to tell me?

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