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Capquest-dont Let Them Get Away With It.


MARTIN3030
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I'm happy to join in with this one. Martin found my Capquest thread from just a phone number I was wondering who it was from.

 

Capquest have had 3 letters from me now complaining about phone calls. They have totally ignored all of them and they still phone several times a week.

 

I'll be complaining to their trading standards by letter which will be posted on monday.

 

It's a great idea to have a thread so we can all get together and share info and experiences and then hit them with a mass flurry of well written complaints. Hopefully then TS will take action and help prevent people who aren't lucky enough to discover CAG, from being taken in, scared, and ripped off by Capquest.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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my letter to Trading Standards is now in the post box, with copies of the latest letter sent to capquest from my solicitors with other documents to and from CapQuest which will make it very clear the way they treat me and other people

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Hi Alias,There can be many interpretations of what you are asking.For example a debt could be unenforceable if it has no connections to or nothing to do with you.It could be unenforceable if the creditor or agents of them, cannot properly substantiate that you owe the debt/alleged debt by providing documentation which would support it.

CAG does not encourage nor support debt evasion,but serves to assist and guide those people who become the victims of unlawful practices or injustices at the hands of the debt collection industry.

You can read many threads within the debt forums to gain specific information-and starting a thread of your own is the best way to do this.

There you can post questions and also learn from others by reading their threads too,I hope that answers your question-obviously much depends on your own situation and that of the actions taken/or not taken by those chasing you for payment of the debt/alleged debt.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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MARTIN

 

Do you fancy starting one for Conaghts/1st Credit as these need dealing with as well

 

 

 

Yes I know about these.I think we could use much of the templated stuff thats been created for here-with soma adaptions and additional info thats suitable.

Leave it with me I will discuss with team.

Edited by MARTIN3030
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This thread may also be of interest to those having SD problems - it doesn't seem to be well known, but you should be able to contact the person named on the SD - if you can't, that may well be grounds for set-aside (may also be useful to point out to TS):

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158317-statutory-demands.html

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All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Yes quite true Tills.

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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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oops sorry-got my Ls mixed up with Gs...;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thank you for posting this information. I am currently in the process of asking for my mums court case to be heard at our local county court. They want to to take us back to court to see if the charging order should remain in force. Captquest has said that my mum has not made any payments towards the court order taken out against her in Dec 07. This is not true, mum has not missed one payment.

 

That is why I want to contest this in court, I also want to contest that they do not legally own the debt. I have been advised that the court will only deal with the matter of the attachment Order/charging order and I want to contest that, but not sure how to. My mum can produce bank statements of payments made to them and the account it has gone into. Any advice would be most appreciated.

 

I was also told that if I want to contest the orginal court case, I would have to pay £75.00 to take it back to court.

Edited by InnerBeauty
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CapQuest is now going to even greater heights to prove what a useless lot they are. I have just received from capquest a statutory demand under section 268(1)(a) of the insolvency act. Just who do they think they are. Bearing in mind they have never sent me any information requested such as, default notice, statements, contract. They did send the credit card application form, they obviously think this doubles up as a credit agreement. This account has been in disupte since March 2007 with myself sending letter after letter and receiving nothing which I requested back. I will have great pleasure in having this set aside. Any help would be appreciated. CapQuest is now obviously changing their tactics to confuse the public.

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dont forget to report them to the Trading Standards

 

MOD NOTE:

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: Trading Standards Central - Trading Standards and Consumer Protection information for the UK

Edited by alanfromderby
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Hi folks!

 

I wrote in response to my letter from CapQuest and received a letter from them today saying that they have placed my account on hold for 28 days whilst they gather the information I requested. I am wary of them, but at least at their first attempt to use scare tactics on me, they have been halted, albeit temporarily!

 

Thanks for this thread :)

 

xx

Edited by Help48xxx
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I have just received a letter this morning from Capquest informing me they have purchased a debt from Northern Rock and that they have made numerous attempts to assist me in finding an amicable solution to settle this matter.

 

This is the first letter i have received from them.

 

They then go on to say they are going to issue a statutory demand and have it served on me personally and then it appears they will file for bankruptcy. The letter is dated the 12th september, they say this will done on or around the 25th sept 08. They also offer me the option to settle this by paying a settlement as long as i accept by the 25th Sept.

 

As far as I am aware, I do not actually owe Northern rock any money. I did have issues over 7 years ago with bad debt, but I have not heard anything from them on this matter so i am assuming it would be Statute barred anyway.

 

I have read your letters and would be interested to know which ones you think i should send to Capquest as it seems to me there are points from both letters you have posted which are relevant?

 

thank you for your help in this matter.

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Hi folks!

 

I wrote in response to my letter from CapQuest and received a letter from them today saying that they have placed my account on hold for 28 days whilst they gather the information I requested. I am wary of them, but at least at their first attempt to use scare tactics on me, they have been halted, albeit temporarily!

 

Thanks for this thread :)

 

xx

Crapquest expected you to be scared by their attempt to intimidate you and phone them begging. They do not expect people to have their SD Set Aside

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NO it's been modified:

 

 

 

They are attempting to hide behind this part of CPUTR.

 

This is what the Act says:

 

 

 

What Cabot, and others, are saying here is that they can lawfully harass you to pay the debt as it's in a commercial interest.

 

13. In section 40 of the Administration of Justice Act 1970(a) (punishment for unlawful

harassment of debtors), after subsection (3) insert—

“(3A) Subsection (1) above does not apply to anything done by a person to another in circumstances where what is done is a commercial practice within the meaning of the Consumer Protection from Unfair Trading Regulations 2008 and the other is a consumer in relation to that practice.”.

*Cough*

 

Sorry but IMHO they are right

 

 

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Aren't they trying to muddy the waters with this? Surely the intention of the Administration of Justice Act is not to give them carte blanche to do anything they like with regard to recovery of debts?

 

“commercial practice” means any act, omission, course of conduct, representation or commercial communication (including advertising and marketing) by a trader, which is directly connected with the promotion, sale or supply of a product to or from consumers, whether occurring before, during or after a commercial transaction (if any) in relation to a product;

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