Capquest

[nslses]

Hello, I am a newbie and I have received a letter yesterday from Capquest (I have dealings with these people on other debts) advising me that Clydesdale has sold the debt to them.

 

I have been paying Clydesdale monthly by standing order for the last two years without a problem.

 

Capquest are asking me to ring them by 4th Aug to establish a suitable payment plan.

 

The letter is almost threatening in that it says:

 

"This matter will not go away you will need to deal with this now by calling.....

 

If a satisfactory payment programme is not established and or you fail to comply with our request to contact this firm we will not hesitate to utilise the legal system to its full extent."

 

I am really just wondering what the reason would be for Clydesdale to sell on the debt when i have been making regular payments and also should I send a CCA (do you have a template for this)?

 

Thank you.

[PGH7447]

Is it for a credit crd or loan. if it is then CCA them asp just to shut them up.

 

The template is letter N in the templates library.

 

costs £1 dont sign letter just print name and send by recorded.

 

I would not worry too much about the standard threat-o-gram

[nslses]

Thank you.

 

Originally I think we we were conned anyway, we had a house alarm fitted and looking back we were stupid as I thought we had to pay £30 odd a month to have our alarm connected to the police it wasnt until we started getting in to trouble with money that we realised it was actually a loan.

 

i will have a look at the templates.

 

thanks.

[PGH7447]

Re:− Account/Reference Number

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

 

I understand a copy of my credit agreement should be supplied within 12 working days.

 

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

Please also be aware that from the receipt of this letter I expect that all future correspondence will be in letter format. Accordingly I request that you remove any reference to any phone numbers you may hold in respect of my home, mobile, or work be removed from your systems immediately.

 

I look forward to hearing from you.

 

here you go amend to suit

[nslses]

Bless you, thank you

[MARTIN3030]

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158682-capquest-dont-let-them.html