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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
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    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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finbar1969/ Stat demand just recd from CAPQUEST.


finbar1969
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because no one has posted on it for the last 5617 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

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Start your own new thread

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Thanks

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Finbar,

 

If capquest are pestering you now, i would write to them and say.....

Dear Sirs,

 

On XXXX (Date) Brian Carters & co instigated legal action on behalf of Fredrickson international in respect of this account and judgment was granted in their favour. accordingly i paid the judgment and the debt is now considered satisfied.

 

accordingly i suggest you talk directly with Fredricksons / Carters & Co in respect of this matter as my position is that i have satisfied the judgment and consider the matter closed

 

should you issue a statutory demand i will apply to have it set aside and shall show the court a copy of the satisfied judgment. should you instigate litigation , it will be vigourously defended and an application will follow to have any such claim struck out as a clear abuse of the process

 

to re-itterate, i suggest you speak with Fredricksons / Carters & Co as i consider this debt is now discharged

 

 

sopmething along those lines should do the trick

or just use what havinastella suggests, it doesnt matter really, just send the idjits a copy of that satisfied document and they can go whistle

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  • 2 weeks later...

Quick update on my predicament.

 

Acted on the excellent advice given above, copy of letter of satisfaction to both Bryan Carter & Co and Capquest, sent recorded delivery.

 

Received from Capquest letter dated 1/10/08 simply saying:

 

Please be advised that your account has been placed on hold.

 

:)

 

Bryan Carter & Co for some reason are leaving messages for me to contact them asap to chat about my account :cool:

 

They also sent me a statement of my account which I did not request as I have a previous copy.

 

Will keep you up-date people as my £30 per mth is due in 2 weeks time to BC, their getting bugger all, I'm sure things will heat up from there.

 

Once again appreciate the help, and just getting Capquest off my back is relieving in its own right.

 

Regards.

 

Finbar

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  • 1 month later...

Quick update on my situation.

 

As I have stopped paying Bryan Carter, I have various phone calls to which I stated I only wish to deal with you by letter.

 

I received about 2 weeks ago a letter that I had stopped paying and to ring them asap.

 

Yesterday I had a letter with bold lettering FINAL NOTICE.

 

The letter outlined in bold that:

 

COURT PROCEEDINGS WILL BE ISSUED ON 19TH NOVEMBER 2008 WITHOUT FURTHER NOTICE TO YOU IF PAYMENTS IS NOT RECEIVED AT OUR OFFICE BEFORE THE ABOVE MENTIONED DATE.

 

It also mentions something about a judgment order preventing me from gaining credit in the future and will remain on the register of judgment debts for a period of 6 years.

 

Are they referring to a CCJ ?

 

As I satisfied the original amount outlined in my original post.

 

Again appreciate the advice and guidance given to me, just wondered if anyone could shed any light on the above and is it just a standard threat.

 

Thanks again.

 

Finbar

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Dear Sirs,

 

I write in response to your letter dated XXXXX

 

Your letter is incorrect and frivolous, you are fully aware of legally valid reasons why no further payment will be made on this account, namely that this debt was satisfied as of (date) to which I have written proof

 

Therefore, I would indeed greatly welcome the opportunity to place this before the court. Furthermore should you proceed with the threats to issue any claim I will make an immediate application to have it set aside for the grounds outlined above, highlight to the court any abuse of process due to split claims, and make a full request for a portfolio of paperwork under the Civil Procedure Rules. Also I shall refer the judge to this letter when the matter of costs falls due

 

I trust this outlines my position clearly enough for you

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  • 1 month later...

Update.

 

Got in from work 15 mins ago to find a letter from Capquest.

 

Enclosed is a Statutory Demand for bankruptcy dated 9th Jan 2009.

 

Where do I go from here folks as I'm very close to losing it, feeling very low.

 

Your advice would be greatly appreciated on where I go next.

 

Many Thanks.

 

Finbar

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Hi Finbar, I can't help you - don't know anything about this stuff, but click the red triangle and ask the mods for help.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Finbar,as hard as it may sound,try not to worry.

Capquest are known for this,and you will get help here to sort it.I am not totally familiar with your case and see other site team was advising you on this.

I am just posting here to let you know that we have got your request to assist and will brief you as to what your response should be.Please just be a little patient.

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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I am going to change your thread title also.

If you want a little reassurance-have a read through some similar threads in the debt forums-you will see that Capquest are frequently taken to task on these SDs.

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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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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