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No replys from capquest cca requested


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Hi guys ,

 

I’m new to requesting info from people like capquest and would like to know if I should send this 2nd letter?????? I have looked around on the the site and seen posts which make me think that I should send. See but I am a firm believer in confirming things before rushing in.

 

Please see below after reading 2nd letter.

 

Capquest Debt Recovery Ltd

Fleet 27

Rye Close

Fleet Hampshire

GU51 2QQDear

Sir/Madam,

 

With reference to my previous letters, I wish to draw your attention to your company's lack of compliance with my legal request On 12/01/09 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8.You have failed to comply with my request, and as such the account entered default. The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both Argos and myself as defined in section 61(1) of CCA 74. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. As you may not be aware , failure to comply with this request within 12 working days renders the alleged debt UNENFORCEABLE in law. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a compliant credit agreement is a very clear dispute and as such the following applies.

 

* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.[/font]

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.

 

Therefore this account has become unenforceable at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

After taking advice, I am of the opinion that your continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines.

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.

I would appreciate your due diligence in this matter.

I await your rapid response

'

 

I have requested a copy of my CCA by sending the below letter which was send 12/01/09 recorded delivery. I have not received any of the requested & I would like to know if the above letter should be sent??? Please help???

 

Capquest Debt Recovery LtdRye Close

Fleet

Hampshire

GU51 2QQ

07/01/09

Dear Sir / Madam

 

Re: Account No:

H L Legal Solicitors Ref Number

With reference to the above account, I would be grateful for a signed copy of my Consumer Credit Agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of this agreement upon request. I therefore enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days. I also understand that under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you.

 

Yours faithfully

my name

Edited by whitelion121
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You seem to be doing alright so far but should the need arise, have a look at this thread.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

You may not need it but it makes interesting reading

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I have recived a cca from capquest and i would like to know if the dept can be made UNENFORCEABLE, here is the paperwork that they have sent. I have removed my personal data for my data protection.

 

argospage1.jpg

 

 

argospage2.jpg

argos page 1.jpg

argos page 2.jpg

Edited by whitelion121
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Sorry whitelion, It's too small to read. try photobucket.

 

I stole this from a furry friend

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

imagename.jpg{\IMG

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

------------------------------

 

 

Give it a go

 

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I'm assuming that is your signature on both pages.

 

As far as I'm concerned, it's a good un'

It has the APR

Repayment terms

A credit limit set by them

 

However, I am not as experienced as some of the others on the forum so I would hold off making any decisions until others have had a look.

 

It gets quite quiet at weekends so if you don't hear anything, just keep bumping your post. That will get it up the list again so that peeps don't miss it.

 

sorry if you wanted to hear something better

 

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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