H L Legal/Scotcall/Capquest-The baliffs we didnt know !!

[Werner M]

......absolutely fabulous Letters.!!..........Werner M.

[banker_rhymes_with]

Excellent Martin!

 

Keep up the good work.

 

Cheers,

BRW

[carpfanatic]

Hi

 

well I did what was requested and sent the letters recorded,,I have not had anything back as yet so I will let you know when I do

 

regards

[carpfanatic]

I got this the morning off Capquest

 

""Please be advised that as you require subject access information the following is needed in order to proceed with your request

Cheque for 10 pound, admin charges record fee only written on reverse

 

Proof of ID like drivers licence and a document which links to your address.

 

We have placed your account on hold till dec 15th if we do not hear from you by this date your account will be passed to our collection dept for further action."""

 

It is now th 10th which does not leave much time can you advise

on the top of the letter it gives voda's account number.

 

best regards

[carpfanatic]

I also recieved a letter from Scotcall returning my letters and saying

 

Invalid Scotcall reference, unable to locate account by surname or post code

 

I sent them my name and address the only acc ref I had was H&L Legal

 

Any advice

 

regards

[sillygirl1]

Er... Capquest have sent you intimidating letters, you DO NOT need to send them proof of identity, they need to send you proof of the debt! Send the letter to the FOS as part of your complaint, it is NOT a SAR request but a request for info under the Civil Procedure Rules.... completely different kettle of fish.

 

They sent me a letter of 7 days notice of legal action back in August and nothing heard since, I think I might use one of the letters above on them!

[2Grumpy]

There is the possibility that all this lot are working for Vodaphone & that the debt has not been sold ...

[carpfanatic]

I have now had a letter from the FOS andthey say they cannot deal with the complaint because quote

"We can only listen to complaint regulated by the FSA or that have agreed volunterily to be covered by the FOS or services that are provided by businesses that are licenced by the Fair Trading for Consumer Credit purposes"

 

They also say get in touch with Credit Services Association as they may help

 

regards

[ODC]

Well thats a really helpful reply. Contacting the mutual arslikhan organisation like the CSA is a bit like asking Robert Mugabe to investigate the ANC.

 

I have to say that I would trust Mugabe more than the CSA

[NailPost]

The FOS' response is totally unacceptable and they should be asked to explain why they are referring this matter to an association whose has not regulatory authority at all. If the FOS are unwilling to reply take the matter to your MP and get him to write to them. The FOS will find it harder, if not impossible, to refuse to reply to MPs.

 

In the meantime you should pursue complaints with each and every one of the cretin companies who have tried to extort money from you. These companies have eight weeks to sort out your complaints. If they don't then you can take the matter back to the FOS.

[MARTIN3030]

All this is B.S.

You did not request a SAR from Capquest,they are skating around the pond !

 

Scotcall would know perfectly well your account reference too.

Looks like they have all collaborated.

 

The FOS have been very unhelpful also.

Capquest ARE regulated under the Consumer Credit act in their business.

Licence number 0475757 expires 06/01/2010

 

 

HL legal are regulated by the law society.

 

There have been clear breaches of guidelines as set out in the letters.

Now that they mention the CSA-there will be breaches there too under their own codes of practice-which then deems a breach of the unfair consumer terms regs 2008-failing to uphold a code of practice.

 

So Capquest seem to have ignored your request ?

Have you heard anything further from any of them since December 10th ?

I would wait and see what comes next and post again here.

They would be foolish to serve Court papers after your warnings to them.

Additionally they would be equally foolish to instruct further collection agents.

The FOS may be getting confused about the alleged debt and your complaint.

They are correct to state that your Voda account would not be coered under the Consumer credit act-that is not disputed.

However we are talking about breaches of rules and codes under OFT and FSA regulations.

The FSA is responsible for overseeing the fitness and integrity of traders,and the OFT and FOS report to these.

 

I would go and see your local trading standards officers in person and demand an explanation.

If they are not prepared to take up your complaint,then you could make a complaint to your local Government Ombudsman.....who I am sure they WILL be forced to answer to.

HL Legal should be reported to the Law Society without a doubt too.

[MARTIN3030]

Have a read through this thread too.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/55178-letter-capquest.html

 

 

and here;

 

http://www.consumeractiongroup.co.uk/forum/students/88320-h-l-legal-solicitors.html

Edited December 30, 2008 by MARTIN3030

[Johnny1978]

Hi, They have just done the exact same thing to me- threatened me with people who are not bailiffs, but who certainly sound like them. Who will be visiting my home.

 

mine is over a capital one debt- i've paid £200 this month and they wanted the rest of the settlement (£233) but i just cannot afford it as i don't start my new job until next week.

 

i know this is illegal, but i'm still worried because these guys are unlawful jokers.

 

My letter says too:

 

'the doorstep agent is instructed to collect the full amount due and to compile a report to assist in possible further action.'

 

to avoid a visit, they want me to contact them by 28 august, to discuss my account, and they want 3 monthly instalments to clear it. I probably will do this because I am sick of this **** company bothering me.

 

Despite your letters, two years on they are still doing this.

[fiftypence]

Just ignore their letters and threats. IF they send anyone, they won't be bailiffs and whoever they are just tell them to sod off, there is nothing they can do, they have absolutely no legal powers whatsoever. They have the same right to "collect the full amount" as a Jehovah's witness. Tell them to go away and shut the door, they are powerless.

[sam614]

Hi, They have just done the exact same thing to me- threatened me with people who are not bailiffs, but who certainly sound like them. Who will be visiting my home.

 

 

 

 

to avoid a visit, they want me to contact them by 28 august, to discuss my account, and they want 3 monthly instalments to clear it. I probably will do this because I am sick of this **** company bothering me.

 

:mad:and this is what they want.

bombarding with threats to wear you down,try to scare you into paying,or just p you off so that you give in just to get rid of them.

 

you can not,as you say,nor should not be forced to pay more than YOU can.

 

can you give us more details?

you have many more options to deal with these muppets.

[Johnny1978]

Hi, well i'm with CCCS, but they can't deal with my renewed budget because my circumstances are about to change (new job and moving in 2 weeks) Crapquest have taken advantage of this by saying that as ccs will not confirm they have details of my income, by hassling me. i was supposed to pay a settlement figure of £300, but when it came down to it, i offered them 200 as i didnt have the money. They then rang me up asking me why i no longer had the money and what I DID with it! I was fuming. i told them i was on a DMP (CCS are still paying them £10 a month, but they are trying to bully me into a settlement figure.) i told them i was dealing with ccss and they let it go for a week. Then this letter arrived. They have just called, telling my housemate that they are DM company, asking for where i am, my mobile, and when i will be back!! How dare they disclose that? She knows anyway, but what if i didn't want her to know, or they called my work? I just want to pay them because I'm sick of the stress. No doubt when i move i'll have it there too!