1st Credit/ Marbles/ HFC/ Aviemore Funding

[uptoneck]

No response from 1st credit (even thought I know they got the letter) or HBOS, or the OFT. I faxed the letter to 1st Credit again on Thursday, but no reply.

 

Today I received a threat-o-gram from HL Legal saying I failed to respond to CapQuest's last letter, and pay up by the 27th or it's court.

 

HFC's non response to my CCA request makes this agreement unenforceable but I really could do without all this hassle.

[uptoneck]

Just spoken on the phone with 1st credit. They said that HFC have taken the account back in house, and I should be dealing with CapQuest now. Why a) they didn't tell me this on the phone last time, or b) didn't respond to my letter/ fax is beyond me.

[babybear39]

They know the rules regarding collection on accounts in dispute. Report any that are trying to collect if the accounts are in default due to lack of CCA.

[citizenB]

They know the rules regarding collection on accounts in dispute. Report any that are trying to collect if the accounts are in default due to lack of CCA.

 

You can do that by using letter number 2 in the following link. Just amend "invalid cca" to "no cca"

 

The Consumer Forums - Consumer Protection from Unfair Trading Regs. 2008

 

HTH

[uptoneck]

Will get the letter off. In fairness to CapQuest, they probably don't know about my CCA request to HFC -- although I intend to enlighten them to that fact in my response letter .

 

I was wondering: should I include a copy of the so-called "true copy" I received from HFC in my response as supporting documentation, or should I make them hunt for it?

[babybear39]

Let them hunt for it, you're not paid to do their work

[uptoneck]

That's what I was thinking, but I just wanted to get another slant on it.

[lickthewallfatboy]

if you're ever in doubt,do nothing to help them

 

which is all the time

[Nottsdave]

"Fairness and Capquest" in the same sentence OMG whats the world coming to

 

Notts

[Help48xxx]

I wouldn't do anything to assist them either, after all, it buys you extra time whilst they blunder their way through!

 

Incidentally, CitB's letter to CapQuest worked like a dream for me

 

xx

[uptoneck]

"Fairness and Capquest" in the same sentence OMG whats the world coming to

 

Notts

 

I meant fairness on my part. They probably don't know about the CCA debacle (yet) -- although I intend to leave them in no doubt about it!

[Help48xxx]

Hi,

 

just to let you know that CitB's letter worked on RW as well so now they have backed off, along with CapQuest. It's a bit like the blind leading the blind with this shower!

 

xx

[uptoneck]

Hi all,

 

Sorry I haven't posted for a while.

 

Glad to report that CapQuest have now backed off, and are happy to let me continue the arrangement I had with HFC.

 

I've also received a reply from the OFT saying they will look into the matter, and asking my permission to circulate and publish the details -- although they say they will keep my name and contact details confidential. As I haven't told them anything more than I've posted here, I'm happy to oblige.

 

A good result all round .

[babybear39]

Just goes to show that if you stick to your guns they eventually get sick and back down

[Help48xxx]

Thats good news Uptoneck!

 

I just wondered how your making your token payments? I only ask as I've heard that payments to HFC Bank will no longer be diverted to RBOS and may incur a charge if the payments aren't sent to RBOS...although RBOS don't offer Standing orders, just debit/credit cards or bank giro.

 

xx

[uptoneck]

Thats good news Uptoneck!

 

I just wondered how your making your token payments? I only ask as I've heard that payments to HFC Bank will no longer be diverted to RBOS and may incur a charge if the payments aren't sent to RBOS...although RBOS don't offer Standing orders, just debit/credit cards or bank giro.

 

xx

 

I'm making them to CrapQuest via Direct Debit.

 

Today I finally received confirmation from HBOS that the account has been sold to CapQuest, and that I should pay them and not 1st Credit (only taken them a couple of months to reply).

 

I the same post I also received an income and expenses form that CapQuest specify must be returned to their office by...

 

...today! . It's dated the 15th, so it's only taken a week to reach me. I can fax it, but that's not the point.

[lickthewallfatboy]

you don't have to send them anything of the sort

[Help48xxx]

I refuse to use DD as some of these sneaky critters change the amount and then say it's their right to..grr

 

I agree with last post as in they don't have the right to ask you for anything of the sort! I was asked the same thing by another DCA and told them to Foxtrot Oscar pretty sharpish.

 

Capquest are pretty lame to be fair, so I wouldn't stress about their deadlines. They are taking the p' and they know it!

 

xx

[westendwendy]

I don't think a DD is the wisest way,it's too easy for them to take what they want from your account.

 

I would be inclined to cancel the DD and pay by Standing Order, that keeps you in control of any payments you want to make.

 

Where did you get the info that RBOS doesn't take SO's?

[uptoneck]

I refuse to use DD as some of these sneaky critters change the amount and then say it's their right to..grr

 

I agree with last post as in they don't have the right to ask you for anything of the sort! I was asked the same thing by another DCA and told them to Foxtrot Oscar pretty sharpish.

 

Capquest are pretty lame to be fair, so I wouldn't stress about their deadlines. They are taking the p' and they know it!

 

xx

 

I only agreed to a DD because of previous history with CrapQuest. They administer my Capital One card (CCA on that one turned out to be completely kosher, unfortunately ) and I was paying them by standing order. All was fine for a few months, then I got a threat-o-gram from their in house solictiors acusing me of not paying it. I got on to my bank, who told me the SO had been paid. CrapQuest insisted it hadn't. After an exchange of letters, and conversation with a very off-hand girl that resembled a playground spat ("no you didn't" "yes I did" "no you didn't" "Yes, my bank said they paid it" "Well we didn't get it" "That's not my problem" "yes it is" and on and on) I agreed to a DD as it was becoming more trouble than it was worth.

 

They told me they would only accept payment by DD or debit card for my Marbles account. I'm not sure that's legal, but I didn't have the information to hand, I really coudn't argue. I can stop a DD, but a debit card mandate is pretty near impossible to cancel, so I agreed to the former.

 

As to their request for a I & E breakdown, I decided to take the forum's advice and not send it. I couldn't be arsed to look up all the info anyway. I just sent a fax referring them to my previous letter.

[uptoneck]

Latest missive from crapquest arrived today (dated 20th Jun. Hmmm. Didn't think they worked on Saturdays)

 

We thank you for your correspondence (?) and respond as follows:

 

Please be advised that this account has been referred to our external agent 1st Credit, you can contact them on ....

 

I'm not going to do anything.

[Help48xxx]

Like I said...Capquest are pretty lame. They're a bunch of amateurs.

 

To do nothing seems a good idea, particularly as they responded to a letter you never even sent. IDIOTS!!

 

xx

[babybear39]

1st credit are allegedly a pain in the a**e to get rid of so come back and someone will help you dealing with them.

[uptoneck]

Thanks. I already had a payment plan set up with 1st Credit to begin with, so if they do start giving me any s**t I'll just quote them their previous reference number - and drop the unenforceability bombshell. They don't know about that one yet .

 

As I thought I had reached an arrangement with CapQuest (as 1st Credit confirmed they weren't handling the account) I decided to hold fire on giving the OFT the go-ahead to take things further. I shall light the touchpaper on that one now.

[babybear39]

Methinks that DCAs have identity crisis