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Capquest-dont Let Them Get Away With It.


MARTIN3030
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Hi all,

 

This is my first post on here, I will be sorting out my bank charges once I have resolved Capquest!

 

So HELP I do actually owe E.ON (Powergen) around £250 but moved to my new house.

 

I'm happy to pay the debt but now have had numerous (missed) cals from Capquest and my first letter arrived from them today saying I owe £637.27

 

The letters title is "CREDITORS NOTICE"

 

What should I do I'd like to pay off the debt now I have a new job,

 

Who should I pay?

Do I phone them or should I write?

 

Many thanks in advance and apologies if this has already been said before!

 

Thanks

Paul

Southampton

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Hi Paul,

 

first of all, don't panic...and don't, under any circumstances phone them!

 

Spend a bit of time and read what's happening on other threads with CapQuest. You need to be versed in how they operate.

 

Oh and dramatic letter headings like 'Creditors Notice' are all part of their tactics. Take your time and deal with them, in writing only, when you know exactly what to say.

 

xx

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sorry.. removed post - incorrect advice.:)

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ooops, was that me CitB?

 

xx

 

No Help, I offered some advice then realised it wasnt correct. My apologies I will amend to say I had posted in error. xx

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Haha---

 

I just took mine away just in case I had got it wrong..

 

Ok so Paul,

 

Don't 'phone them under any circumstances. Have a look around here at other Capquest threads and take your time...then, when you know exactly what to say, write to them and insist that everything is in writing.

 

Sorry for the c*ck-up there but I'm a novice!

 

xx

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Haha---

 

I just took mine away just in case I had got it wrong..

 

Ok so Paul,

 

Don't 'phone them under any circumstances. Have a look around here at other Capquest threads and take your time...then, when you know exactly what to say, write to them and insist that everything is in writing.

 

Sorry for the c*ck-up there but I'm a novice!

 

xx

 

Umm, no you didnt.. it is still there :-D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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See, I am a total novice...I can't even delete things properly

 

(Note to self)...Must try harder

 

xx

 

 

:D:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I would like to thank Martin for posting the form letter to send to Capquest.

 

I have today received a letter from Capquest stating that the account is statute barred and that they are in the process of closing the account on their system.

I do have a question though. They have sent me a letter, apparently from Northern Rock stating they sold the debt to Capquest investments ltd on June 30th, 2005. this letter is printed on plain paper with no company logo anywhere so I am wondering if this is actually a genuine letter from Northern Rock or if it has just been done by someone at Capquest? Am I being overly concerned? My gut feeling is to write to trading standards with this letter as I feel that they are being less than honest again.

Also, the comments about being in the process of closing the account worry me slightly. Surely they should be done automatically? Should I send another letter asking for proof of the account being closed or should I accept the letter at face value as it does state that the account is statute barred?

Once again,

Thanks

Edited by MARTIN3030
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  • 2 weeks later...

This is a great thread.

 

I've just WON my SD case (see the WON section). And I was granted £425 in costs!! And the other side never even turned-up. The judge just signed the order and that was that.

 

Now CapQuest have 14 days or I'm sending the bailiffs round :)

 

So claim ALL your costs - the judge might reduce them if he/she thinks their excessive; but on the other hand, they seem ****ed with the DCA's, and so are minded to just OK the costs, especially when the other side have not turned-up.

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Nice one Susan.

 

Always good to see a DCA having to pay out money. :-D The more of us who claim costs against them, the better. As eventually they'll make sure they have all the paperwork in order before filing a claim against someone.

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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I recived a Statutory Demand off CapQuest yesterday [via 1st class non recoreded post]...

 

...i've been planning on taking them on for some time, this is the push i've needed!

People who haven't made mistakes, haven't made anything!

 

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This is a great thread.

 

I've just WON my SD case (see the WON section). And I was granted £425 in costs!! And the other side never even turned-up. The judge just signed the order and that was that.

 

Now CapQuest have 14 days or I'm sending the bailiffs round :)

 

So claim ALL your costs - the judge might reduce them if he/she thinks their excessive; but on the other hand, they seem ****ed with the DCA's, and so are minded to just OK the costs, especially when the other side have not turned-up.

 

 

 

Well done Susan.

Consider using an enforcement officer if you have to get a warrant-County Court Baliffs are slow and often give notice.Well worth paying its about 85 quid but you get that back on top of the money you are due.

Keep us posted.

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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Brilliant thread - these b*stards have been trying to get hold of me for ages and I refuse all their calls. They have silent called, they have got another company to call and pretend I have won something and need my address, another company saying that they are a telegram company (WHAT?! Are we in the 1850s?) requesting all sorts of details before they would tell me the contents of the telegram - I hung up, more calls than I can count at 7.30 in the morning to 10.30 at night. I havent answered one and I'm not going to. They don't have my address or any other details and I don't have a clue what the debt is for so shan't be following it up. No doubt they will keep on coming! Does anyone know whether Thames Credit are a subsidary as they have also chased me around the same time and that was with regards to a SB debt to Debenhams so it could be the same thing!?

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CapQuest used to call me like this - i sent them the template t ostop calling me but they wont - 3 years and not a day except christmas where they dont call 2-8 times, i reported them to TS about silent calls and messages that were purposfully crackel untill the number to call was read out when it became crystal clear - they now always leave a clear message but its the same recorded one.

 

I've been forced to change my number just to get away from this!

 

Read my thread for my latest - got an SD last week - muct get round to dealing with it as the clock is ticking!

 

CapQuest SD - i want to end this once and for all! - The Consumer Forums

People who haven't made mistakes, haven't made anything!

 

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I would like to thank Martin for posting the form letter to send to Capquest.

 

I have today received a letter from Capquest stating that the account is statute barred and that they are in the process of closing the account on their system.

I do have a question though. They have sent me a letter, apparently from Northern Rock stating they sold the debt to Capquest investments ltd on June 30th, 2005. this letter is printed on plain paper with no company logo anywhere so I am wondering if this is actually a genuine letter from Northern Rock or if it has just been done by someone at Capquest? Am I being overly concerned? My gut feeling is to write to trading standards with this letter as I feel that they are being less than honest again.

Also, the comments about being in the process of closing the account worry me slightly. Surely they should be done automatically? Should I send another letter asking for proof of the account being closed or should I accept the letter at face value as it does state that the account is statute barred?

Once again,

Thanks

 

 

Sorry for the late reply Ziggy.Yes of course you can question it.Even at this late stage.

Dont accept dispute resolution until you feel happy that its been sorted.

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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Brilliant thread - these b*stards have been trying to get hold of me for ages and I refuse all their calls. They have silent called, they have got another company to call and pretend I have won something and need my address, another company saying that they are a telegram company (WHAT?! Are we in the 1850s?) requesting all sorts of details before they would tell me the contents of the telegram - I hung up, more calls than I can count at 7.30 in the morning to 10.30 at night. I havent answered one and I'm not going to. They don't have my address or any other details and I don't have a clue what the debt is for so shan't be following it up. No doubt they will keep on coming! Does anyone know whether Thames Credit are a subsidary as they have also chased me around the same time and that was with regards to a SB debt to Debenhams so it could be the same thing!?

 

 

Capquest own the telegram company-its one of their companies.

Under OFT guidelines its unlawful to use third parties to collect debts without first informing you that they are acting as agents for you.

They could have assigned the debt to Thames-although Thames tend to specialise in utility debts.

Trying to collect debts or alleged debts without clearly informing the recipient what the matter is about and who they are is also unlawful.

The unfair 2008 consumer regs gives additional protection on top of the OFT guidelines on debt collection.

The fact that you have not acknowledged any alleged debts to them makes putting an end to this fairly easy.

I suggest you keep a log of all the attempts they are making -it may come in handy for you later.

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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Got my cheque today for £425 from CapQuest for my SD set-aside costs.

 

Very satisfying! But I was a little miffed they paid so quickly, as I had the forms ready to send the bailiffs in.

 

Let me say again - the Judge had no problems with my cost claim, and just signed the order. I claimed 25 hours at the LiP rate of £9.25; plus half-days off work etc to take the docs to court and attend the hearing. Plus other travel, photocopy expenses etc..

 

There is no reason you could not claim other items as well: ie. internet access etc. And if you earn't say £15K pa; but on your holidays from work you did self-employed work as a painter/decorator at £300 per day, then you could rightly claim two half-days at £150 each - as you were forced to use your holidays to attend court. But you must be honest about your costs - in the same way that CapQuest are an honest and fair company.

 

These were my true and fair costs - but I made sure I claimed every penny - and other's should to. The judge was NOT happy with CapQuest, and he had no problem with my costs. So claim EVERY penny, and the worst that can happen is that the judge will just reduce your claim if he/she thinks it's excessive.

 

My case was very clear-cut: statue barred; no paperwork from CQ and they did not turn-up.

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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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you get 18 days from the 14th imo to have the stst demand set aside - its not your fault they didn't deliver it in person which is what they are meant to do! - you cant be held responsible for delivery delays - esp if it was 2nd class post!

 

I know you dont dispute the debt but you should question if CapQuest have the correct info to collect it!

 

I would file to have the stat demand set aside and say on the form that you are willing to make payments but have requested t&c for a payment plan from CapQuest along with proof that they have the right to collect it.

People who haven't made mistakes, haven't made anything!

 

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  • 2 weeks later...
Hi All

 

Can anyone give me the address of the directors of capquest as i intend to supheona them for an illegal entry on my credit file.

 

Thanks

 

Fraid we cant have this posted Scampy-however you should have no trouble finding this on the internet.

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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