Capquest Sold Disputed Debt on?

[RoyalIrish]

Hi,

 

Just had a letter from Belfast Collection Services Ltd. threatening me with a "Doorstep Call".

 

This is regarding a debt that Capquest were chasing me for.

 

I thought companies were NOT allowed to pass/sell on debts that were in "dispute".

 

I sent Capquest a request about 3 months ago for a CCA (via template here) and never heard anything from them regarding this until now.

 

I have also informed them that this debt was also statute barred.

 

Can anyone advice me what to do regarding this new parasite?

 

Thanks,

 

G

[42man]

Shocking....you must report them to the OFT....

 

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since (DATE) .

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

I wrote to Capquest on the (date) explaining that the alleged debt is barred by the statute of limitation act, and stating in no uncertain terms that I had no intention of making any kind of payment towards an alleged debt that is indeed barred by statue. I also sent off a request for a copy of my agreement on the (date) to date this has still not been supplied and Capquest fell into default of this request on (XXXXX)

 

Both Capquests and your own companys actions are in clear multiple breach of CPUTR2008 in line with the OFT's guidance on debt collection.

 

I now require your official complaints procedure, if you fail to provide this within 14 working days I will have no option but to inform the Office Of Fair Trading and bring into question both yours and Capquest's suitability to hold a licence. I am also considering legal action.

 

After taking advice, I am of the opinion that any continued pursuit either in writing or by personal contact is in violation of the Harrassment laws as well as CPUTR2008

 

I would appreciate your due diligence in this matter, and await your official complaints procedures and confirmation that you will not be pursing me any further.

 

I look forward to hearing from you in writing.

 

Yours faithfully

[ScarletPimpernel]

BCS is part of Snotcall, and is essentially a one-woman show, operating out of an office over a shop on the Upper Newtownards Road. She may employ some freelance callers.

 

If they turn up (they don't actually fetch up most times), tell them to leave immediately, and call the PSNI if they don't go at once. Unlike some mainland police, PSNI do take such stuff seriously - claiming to be a debt collector could be an ideal way for a dissident to gather int or get close to a target.

 

BCS will be acting on behalf of Crapquest. Send them a letter reminding them that the matter is in dispute and say you want confirmation that they understand their obligation to suspend all collection activity until it's resolved.

 

Faugh A Ballagh!

[RoyalIrish]

Thanks for the help guys!

 

I really appreciate it!

 

G

[ScarletPimpernel]

By coincidence, I had a letter from these clowns a couple of days after posting here. The letter threatened doorstep collection. I knew that this would not happen, so ignored the letter (the debt they are chasing is not mine anyway).

 

Today I had another letter, this time telling me that since I had ignored all their (non-existent) demands, they might now have to consider passing the account back to the original creditor.

 

I knew that they would not call, because the address they are writing to does not exist; it is an official phantom address I use because of my job. Letters are routed to my actual address; the street exists, but the house number does not. It's clear that they do nothing but send out template letters.

[RoyalIrish]

I wrote them a REALLY nasty letter threatening all sorts and they apologised and told me the debt had been passed back to crapquest!

 

Result!

 

I "should" really complain officially etc. etc. and contact Trading Standards etc. but they would probably close down and reopen, such is the quality of the company!

[Bazooka Boo]

I "should" really complain officially etc. etc. and contact Trading Standards etc. but they would probably close down and reopen, such is the quality of the company!

 

Yes I agree, it would be awful to put them to so much trouble, and god forbid they were ever able to open a more reputable company that actualy knew and abided by Consumer Law!!

[diddydicky]

BCS is part of Snotcall, and is essentially a one-woman show, operating out of an office over a shop on the Upper Newtownards Road. She may employ some freelance callers.

 

If they turn up (they don't actually fetch up most times), tell them to leave immediately, and call the PSNI if they don't go at once. Unlike some mainland police, PSNI do take such stuff seriously - claiming to be a debt collector could be an ideal way for a dissident to gather int or get close to a target.

 

BCS will be acting on behalf of capquest. Send them a letter reminding them that the matter is in dispute and say you want confirmation that they understand their obligation to suspend all collection activity until it's resolved.

 

Faugh A Ballagh!

 

better still tell them that you would love them to call but they must make an appointment with you as you want the PSNI to be there at the same time!