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capquest stat demand for old SkyCard Debt? *** WON + COSTS ***


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  • 9 months later...

I had a c card and I ended up defaulting on it. I went to CCCS and they set up a debt management plan for me just over 12 months ago.

I have been making my payments. However, I got a letter out of the blue from Cap Quest DCA telling me that they had bought the debt. The amount they quoted I owed was higher than the debt was before I started the DMP. Over £8800.

After looking at this forum I have now sent Cap quest a CCA request using one of the templates.

Today have just got a letter from skycard telling me they have sold my debt.

 

My question are;

 

Can I pursue skycard to reclaim the 'charges' and other adjustments they have added?

 

If so, how do I do it?

 

What should my next action with Cap Quest be?

Thanks

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I had a c card and I ended up defaulting on it. I went to CCCS and they set up a debt management plan for me just over 12 months ago.

I have been making my payments. However, I got a letter out of the blue from Cap Quest DCA telling me that they had bought the debt. The amount they quoted I owed was higher than the debt was before I started the DMP. The amount they say I owe is just over £8800 which is £1000 more than it was a year ago.

After looking at this forum I have now sent Cap quest a CCA request using one of the templates.

Today have just got a letter from skycard telling me they have sold my debt.

 

My question are;

 

Can I pursue skycard to reclaim the 'charges' and other adjustments they have added?

 

If so, how do I do it?

 

What should my next action with Cap Quest be?

Thanks

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if skycard put sonme unlawfull charges on your credit card yes you can reclaiming them bu ti will be carefull there as you said the ammount between skycard and your DCA are different. if i was you i will CCA the DCA asking for a statement of affair and a deed of assignment. However, iff you pursue this you will admit that you owed this ammount of money if i were you i will wait a bit and see what they come up with your CCA and yur deed of assignment ? did you receive a default notice also from skycard?

 

skycard may have sold the debt but they still have to provide your CCA as you have requested it .

 

if you wan to pursue them then if you don't how much exactly and what typeof charge then iadvise that you SAR them in order toknow exactly how much they have charge you.

 

i hope this help

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If you have CCAd CapQuest then just sit & wait as they will be in default of CCA regs once 12 working days has passed & no CCA. This means they shouldn't pursue you until they have complied with your request.

 

In theory, even if you are in a DMP creditors can continue to add interest & charges to your account although obviously part of CCCS role is to try to negotiate this with them. You probably can't do anything about the interest if it's correct ( should be able to check this on your original agreement ), but if there are any possibly illegal charges on there you can try to reclaim them.

 

If CapQuest do manage to comply with CCA & your balance turns out to be correct ( bit of a stretch I know but it has been known to happen ), just refer CapQuest to CCCS as CCCS are your appointed 3rd party. Under OFT debt collection guidance rules CapQuest should not be refusing to deal with an appointed 3rd party ie they should leave you alone.

 

Good luck & keep us posted:)

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Thanks for your comments. However I informed CCCS that I had received a letter from CapQuest and they said they would transfer to them.

 

Should CCCS pay them or should I ask them to hold it?

I have sent a request for CCA by recorded delivery.

 

I have now just received a letter from skycard stating... we have sold your debt to cap quest blah blah blah. This arrived 5 days after cap quest started phoning!

 

What should I do with Skycard aka Barclaycard? SAR?

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  • 3 weeks later...

Just got a letter today dated 20th November stating that further to my communications they will accept payments of £38 per month from me.

 

I can only assume that the CCCS who manage my DMP have contacted them.

 

I sent them a request for CCA recorded on 1st Nov and I have not had anything back.

 

Should I write to them? what should I say?

Should I contact the CCCS and ask them not to pay capquest.

 

Capquest are asking £2000 more than the original debt with Skycard.

 

Should I send a SAR to Skycard (Barclaycard)?

 

Can anyone advise

Thanks:confused:

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Just got this email back from cccs:

Dear

The only contact we have with your creditors is making payments and also issuing financial statements,

If you have requested a copy of your original credit agreement and also a break down in charges and they haven't replied I would advise you get in touch with the financial ombudsman on 0845 0801800 or access there website on

Financial Ombudsman Service

They should be able to advise you on the correct legal proceedings

 

I hope this helps

Please keep us informed with what happens

Regards

Support Counsellor

Can anyone advise what I should now do please.

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  • 2 months later...

Update.

 

I got a copy of my credit agreement sent to me by capquest.

 

I contacted cccs who manage my dmp and they confirmed that they had transfered my payments from monument to capquest.

 

On Friday I received a letter from Capquests solicitors stating that as I had not paid capquest any payments they now were going to pursue me for the total debt

I then started getting phone calls form capquest NON STOP!

 

I have checked with the CCCS and they have paid them evey month.

 

Can anyone advise what I should do?

 

A-with capquest who have added a lot more to the amount owed.

 

B-with skycard who have sold my debt

 

:???:

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is it only an application form?

 

i had sky card that went to crapquest and all the threats that goes with it, cca'd them and never heard anything since 8 months ago that is. i know fact that it only application form nothing more

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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crapquest tried dumping interest and stuff on mine i told em point blank i aint paying it. have you thought about dumping cccs, usually a lot of these debts are unenforcable in court, if so you can concentrate on the ones that are enforcable and tell the ones that aint to take long walk off a short pier :D

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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the idea is sorry, to put YOU in control not the debt collectors, if you have few debt through cccs i'd cca all creditcards and alike, you might be suprised at the outcome

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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