Capquest-dont Let Them Get Away With It.

[MARTIN3030]

Had some movement from Capquest

 

First after I send the letter and it arrived the phone calls stopped.

 

I received 3 letters following my letter:

 

1st For all letters:

 

None is with a real signature. Only badly pasted in signature pictures.

 

Only the letter with the NatWest copy states a printed name under the signature.

 

2nd The 1st letter

 

From Their "Collections Administration Department"

 

Only stating that the account is on hold for 28 days and acknowledging the receipt of my letter.

 

No real signature and no name stated.

 

3rd The 2nd letter with an 'NatWest' copy attached

 

From Their "Collections Administration Department"

 

The only letter stating a name (Martin Best) but still no real signature.

 

The NatWest copy does not look like a copy it looks like something I could do better. It definitely looks not like a normal NatWest letter with letter head, only a simple letter with NatWest logo cheaply copied and pasted in one corner.

No printed name on the copy and no real signature.

Now the details are real as in the Acc. Number and Branch details.

Another thing it states that the account was assigned on the 31st of May 2007 but on the Statutory Demand from their very first letter it states

date of Assignment 30 Oct 07.

 

4th The 3rd letter with the supposed arrangement to repay.

 

Again no real signature and no name stated just "Collection Administration".

 

Firstly it does not say for how long well we have to calculate how long 13100.72 by monthly rates of 200.

They deducted the 200 I already paid and took the 22nd as pay-day.

 

No real terms and conditions!

 

No mention of any "down-payment" they wanted over 3500 or 4000!

 

Now the disturbing bid:

Any default will render the arrangement invalid and the full balance will be pursued. Of course there should not be any default but some unforeseen circumstances could happen or what about if the bank screws up.

 

Now the most disturbing bid:

It states:

"This arrangement will be subject to review at our discretion and may be terminated at any time by us without notice." So basically they can change their mind at any time and without notice ether demand the full balance or do a petition for bankruptcy! WTF???

 

Now I really could do with some professional help. I have all those letters in pdf-format so I can email them. I don't know how much the Citizen Advise Bureau can help.

If anybody knows a place to go in and around London or a Solicitor who has experience with Capquest or similar I would really appreciate for some help.

 

 

Macaca you could do with having your own thread to get some response on this.

I will sort you one out and move this from here.

[MARTIN3030]

Well done to those who have seen results.

I have good news to report-I have also finally got them off my back and forced them to cease,following the Pre action Court protocols letter.Continue to send this since it addresses many issues which they clearly have difficulties in complying with,if there is no real substance to their demands,or they cannot properly seek collection whilst remaining in compliance of regulations.

[MARTIN3030]

For anyone wishing to follow Macacas progress or assist further-then go here;

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/168528-macaca-capquest-assistance-req.html

[citizenB]

Well done to those who have seen results.

I have good news to report-I have also finally got them off my back and forced them to cease,following the Pre action Court protocols letter.Continue to send this since it addresses many issues which they clearly have difficulties in complying with,if there is no real substance to their demands,or they cannot properly seek collection whilst remaining in compliance of regulations.

 

Excellent news Martin.

[DCA-KING]

Great one martin you have a template off the Pre action Court protocols letter

Regards DK

[MARTIN3030]

Hi DK yep-its in my first post in this thread with the other letters.Its clearly headed so you should see easy enough.

 

I have had success with both Hillesden and Capquest following sending this-both now closed files.

 

Tweak it for anything that does not apply.

Martin

[Help48xxx]

Hi folks,

 

just a little boost to those fighting the not so mighty CapQuest.

 

They chose to butt in on my dealings with Cap1 and irritated the heck out of me. So, I waited, and waited for them to shoot themselves in the foot and they duly obliged.

 

They have now closed my file and I seriously doubt I will hear from them again...woohoooo

 

If it is any help whatsoever, if they are chasing you for an account that you can prove was in dispute BEFORE they got their claws into you, then tell them so. It worked for me!

 

xx

[MARTIN3030]

Great to hear it.

[alanfromderby]

THE FOLLOWING INFORMATION HAS BEEN PROVIDED BY HAMPSHIRE TRADING STANDARDS:

 

When a consumer complains to Consumer Direct (the national consumer service) about a business operating from Hampshire, including Capquest, we are notified of the incident. We monitor all such complaints in order to identify trends, the target resources in the most effective manner. Unfortunately, we are unable to deal with individual complaints levied against Hampshire business unless: (i) the complainant is a resident of Hampshire, or (ii) a referral is received from a trading standards service in whose area the consumer resides with a request that the matter is raised with the business.

In order to lodge a complaint against Capquest, consumers should either contact Consumer Direct on 08454 04 05 06 or write to their local trading standards service. Consumers can find the address of their local trading standards service by entering their postcode into the search form at the following website: www.tradingstandards.gov.uk

[MARTIN3030]

Sorry Alan,I should have updated this as per your post.

I spoke with the person in question recently,who advised me to amend the details here.Apparantly they have been inunidated.

I just did not get around to making the changes in the stickie,and will do this soon.

[tiglet]

It seems Capquest are becoming more aggressive in their tactics when challenged for SD set-asides.

[themajor]

I'm taking Crapquest to court! Fight them all the way!

 

I CCA'd them 3 moths ago and they can't get the CCA from Skycard so they've finally closed my account (£8000) after "a few" threatening letters from me. They won't remove the default though so I filed for a court order under S(14) DPA 1998 to force them to remove it. I bet they remove it first rather than unsuccessfully try to defend the claim.

 

I had all those bankruptcy demands from them as well. Just fight them every step and hopefully they'll be the next Lehman Bros!

[itsamomentintime]

It seems Capquest are becoming more aggressive in their tactics when challenged for SD set-asides.

 

 

 

in what way tig?

[tiglet]

They seem to be sending letters challenging costs on the basis that defences are taken from "websites" or that they are not reflective or stating they may withdraw their offer to accept the set-aside if costs are claimed.

[noomill060]

Its clearly hurting them then!

 

Keep at it.

[p4nd0rasb0x]

(As previously posted in another thread)

This might not be totally related to this thread, but hey ho.

A neighbour has just knocked on my door with a telephone number, she said theyve had several calls from this number saying that theyve tried delivery parcels to me and was she aware if i was still living there or not. Firstly this neighbour is ex directory so how they got her number ive no idea, and secondly why are they making what i can only describe as a 'dodgy' phonecall asking for my whereabouts etc..

Ive managed to trace the number to someone called Telegrams apparantly its connected to capquest.

Hmmmmmmmm.... their office is now closed, i shall be calling them first thing monday morning, then if i dont get a sufficiently satisfactory explanation from them then i shall take it further... what a bunch of muppets. grrrrrrrrrr

[ODC]

UNDER NO CIRCUMSTANCES phone these Cretins from your phone or any phone for that matter. They are seeking confirmation of your address so as they can start sending you their threatening letters demanding money that you may or may not owe. There is no package. Its a phishing trip and whats more its unlawful. Ignore these cretins until the put something substantive IN WRITING

[p4nd0rasb0x]

UNDER NO CIRCUMSTANCES phone these Cretins from your phone or any phone for that matter. They are seeking confirmation of your address so as they can start sending you their threatening letters demanding money that you may or may not owe. There is no package. Its a phishing trip and whats more its unlawful. Ignore these cretins until the put something substantive IN WRITING

 

Ive no intention of phoning them, that will just confirm to them that I have rec'd the message from the neighbour and therefore am living at the address they thought. Im not trying to wriggle out of paying a debt, they call me frequently and continually ask me to confirm my personal details, which i refuse to do to 'anyone' over the phone. I tell them that they can write to me but all they do is send a letter with a phone number on asking me to call them, then it starts all over again with a request for personal details....

I think half the reason they called the neighbour is too try and embarrass me into calling them.. Thing is this neighbour is ex directory so unless theyve had some dealings themselves with this company then how have they got their tel. no. ?

[ODC]

You could get your neighbour to make a formal complaint against them.

[sosumi]

Sunday Times request for more stories on Debt Collection practices

[MARTIN3030]

Yes unlawful under the 2008 unfair consumer terms regs-in addition to OFT DC guidelines.

[UK26]

Having fun with CapQuest

 

My Solicitor has told them the credit agreement is unenforceable

 

but CapQuest insits there is a debt and as such will not remove the Default on my credit file.

 

The outstanding balance consists of over 51% of charges

 

I have written to trading standards which have been in contact with capquest, but still CapQuest do not comply with my request

[Dipply75]

Hi Guys

 

They are still at it...friend just started receiving phone calls - no letters - from a cheeky get demanding payment for a credit card she doesn't remember and he told her the last 'movement' on the account was 2001.

 

Still tried to bully payment from her, will do up the right letters for her but everyone please continue to report them.

 

Their consumer credit licence is due to expire in about 6 months - time for us to complain to the OFT big time!

 

 

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Capquest Debt Recovery Limited03772278

 

 

 

 

Issued Date: 30-Oct-1999

Expiry Date: 06-Jan-2010

[sellyservice]

Hi

sorry don,t want to jump on another thread, but im struggling with a SD demand from Capquest which now listed for hearing in the county court Nov 09, but they have applied to have my defence struck out will be heard on the 27/08/09, even though they have not replied with info requested under Cpr and sar notices, heres my tread could do with the help ..thanks Halifax credit card sold to Capquest...Help - Penalty Charges Forum

[evancosmo]

Thank God for this thread! I thought Capquest had taken on a personal vendetta against me (lol!)

 

I have two seperate issues with them, didnt receive a CCA in response to the s.78 requests & they have continued to send collection letters since the accounts went into dispute. HL Legal have waded in too. One of the debts is definitely statute barred as well.

 

Thanks for the Hants TS contact info; will complain this weekend

 

Regards, EC