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Capquest Claimform - OHs old Cap 1 card debt


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this is the agreement they've sent .front and reverse.

i'll post the terms and conditions later.have to go to work.they also said on the letter .hope this info has resolved your queries on this account and look forward to hearing from you with a proposal for payment of the outstanding balance.

 

 

Why has the front got two fold lines on it and yet the "back" only one?

 

Front page says please read "use of information, please read section 23"... section 23 aint on that document. Possibly separate booklet of conditions.

 

Might be worth writing back asking if this is the document they would rely on in court as the credit agreement as front & back. If they decline its a cut and shut job with the back being to something else.

 

PmW

Oh and forgot.. it clearly states application in the text of the first page.

Edited by pmw1971
another nail in the coffin of crapital one
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I laugh at the way they say they will use the legal system to its full extent against you.

They fail to realize that you will use it to your full extent as well ;)

Plus you have the added bonus of CAG being on your side :)

Capquest have no legal powers over you whatsoever - only the county court does.

They have to take all your outgoings into account before deciding on an amount to repay (£1 per month for example)

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some of those letters are from 2006 supposedly but thats the first my partner has seen them.there is another 8 pages of terms and conditions so if you want me to post them i will.

can an anybody advise on the next step please.

as i said previously why didn't they just carry on with the court claim?

thanx

dazza

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Dazza, the letters from CapQuest in post 174. They are dated 2006. Have they been sent in response to a disclosure request ?

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hi.

we sent a cca and two cpr letters before xmas .it was before the court date and they sent nothing back.the court date came and went and now the claim is stayed.they replied to none of the letters up until this week when they sent the papers i posted.

i don't know what to do next as they could have carried on with the court claim if they were that confident,so why are they now sending these papers if they had them all along.

does anyone know what to do now?

dazza

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then the fact u have put it in your defence is informing the courts.

 

I woul fill in a n244 and get them made to provide info that u have requested and they have not fulfilled.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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thanx for the reply.

sorry for being clueless in these matters but what the papers they sent ,aren't they the ones i asked for and i don't know what i should be asking for in the N244.is the credit agreement a genuine enforcable agreement and that is not a defence anymore?

i appreciate all the help but would i be right in saying that at the moment things aren't looking that good for us if it goes back to court?

thanx

dazza

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thanx for the reply.

sorry for being clueless in these matters but what the papers they sent ,aren't they the ones i asked for and i don't know what i should be asking for in the N244.is the credit agreement a genuine enforcable agreement and that is not a defence anymore?

i appreciate all the help but would i be right in saying that at the moment things aren't looking that good for us if it goes back to court?

thanx

dazza

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is there anyone that can help with this please?there doesn't seem to be many suggestions on here lately.please could anyone tell me whether we have a case or not?would it be worth sending a SAR to see what charges have been added etc.the card my partner had only had small limit so there must have been charges added.

hope someone can help as we are expecting some more demanding letters from capquest and wouldn't know what to do if we received another court action letter.

thanx

dazza

Edited by dazza3956
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Can u tell me where the posted links are i cant see any.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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sorry read it wrong i thought u posted on CAG the results of you requests.

 

Anyway what did u aske for and what have u recieved back?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Copy of Credit Agreement,Terms and Conditions of Agreement and Notice of Assignment.

to be honest i don't know what they suppose to look like so wouldn't know if they are genuine.posted them on here but no advice on what to do next.

just waiting now for capquest to send some more demands .

would it be worth sending SAR to see if there have been any charges added etc?

thnx

dazza

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the statements from oc are enough to show charges. Are u in court action?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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we had a court claim before xmas from capquest .sent off a defence .sent off two cpr letters .they didn't reply to any of the letters.that was back in nov 2008.phoned court about a fortnight ago and was told that it was stayed.the court told my partner that it would automatically be stayed if capquest didn't do anything.they also said that capquest now have to go in front of a judge to proceed with whatever they are going to do with the claim.and they have to pay £40.

hope you can help

dazza

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getting a bit worried now as noone seems to be able to offer any advice .

don't know what to do next and am just waiting for capquest to start with their court proceedings again.if anybody has any suggestions it would be great.thanx.

dazza

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am i right in saying that they haven't supplied us with a statement of account as asked for in the cca.is it the statement of account that shows the charges that have been added and the payments on the card.sorry again for sounding clueless.

frustratingly worried that noone seems to be giving advice.

hope someone can help.

thanx

dazza

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