Is this an enforceable CCA? CAPQUEST

[nslses]

Could someone please have a look at the attached. I received the letter from Capquest and two copies of the "agreement". Any advice would be gratefully received. I am still paying the original creditor and have never missed a payment.

 

Thanks.

 

edit: Agh I cant upload the attachments, can anyone point me in the right direction?

[berrylover]

Photobucket.com is good.

[diskmandave]

Photobucket is great! Sign up for a free account and then upload your scan.

 

Once uploaded it'll ask you to add some tags, just click on return to album and then click in the IMG CODE under your scan. All you need to do then is pate the code onto a blank line in your question/reply etc.

 

Like this......

 

 

Good luck with it!

[nslses]

Thanks for your help. Hopefully these work!

 

Edited October 17, 2008 by freakyleaky
Removed account number etc

[nslses]

think I've cracked it!

 

 

My name is not showing on this form.

Edited October 17, 2008 by nslses

[PossVox]

I think you need to remove your name and account number from the top of the form!!!

 

It's important not to reveal personal details!!!

 

PV

[berrylover]

Unfortunately I think it is, but you need to remove your name from the first letter. Wait and see if anyone else thinks it is, but it certainly has the apr and how many monthly payments on. Might be worth someone else looking.

[nslses]

By the way, no terms and conditions were sent with this piece of paper.

[B3rty]

This looks OK...if you have never missed a payment why has it been passed to capquest?

 

If its in arrears..they should have sent a default notice and letter of assignment

[nslses]

Thanks for all replies, best start composing a letter then!

 

Thanks.

[nslses]

I was just wondering, as I have been paying the original creditor monthly payments since Capquest have said they bought the debt, would it worth me asking for statements because the debt Capquest are asking to be repaid (£788 I think) will actually be less because interest hasnt been charged by the original creditor, I think.

 

Any advice would be greatfully received.

 

Thank you.

[PGH7447]

can still see your name, and yes ask crapquest for a statement of accounts, and why have they got it if you have not missed any payments?

[nslses]

thanks for the replies, I still cant see my name showing on the attachments, the name of Elizabeth is not my name, dont know who she is!

 

I have not missed any payments, I am paying Clydesdale £35 per month instead of the original sum as we hit financial difficulties and it has crept up to £35.

 

I got a letter a few months back from CQ saying we have now bought your debt please ring us to make payment. I asked for CCA although I have still being paying Clydesdale as didnt want to fall behind.

 

I have no idea why it has been passed to CQ.

 

Thanks.

[PGH7447]

Did Clydesdale inform you that they had "sold" the debt to cr*pquest?

 

if not I would complain to clydesdale and your local TS

[palomino]

nslses, have Barclays/Clydesdale ever advised you that the debt has been sold to Capquest?

 

If not then write to Capquest saying you have heard nothing about this debt being sold to them and you believe their letter to be a [problem] of some sort. Unless you hear from Barclays/Clydesdale you will be reporting this to your local police.

 

As far as you're concerned your were, and still are, with Barclays/Clydesdale and will continue to be so until they advise you to the contrary. Keep making your normal payments.

Edited October 17, 2008 by palomino
missed a word out

[maroondevo52]

nslses, is your name on any of the documents you've scanned ?

 

Could you also delete the account number.( on the first one )

 

Thank you.

 

Regards.

 

Scott.

Edited October 17, 2008 by maroondevo52

[nslses]

Thank you for your help and advice. My name does not appear on any of the attachments, the account number is that for Capquest if I were to set up a dd. I have removed my reference numbers.

 

Thank you.