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Capquest letter

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I have received a letter from Capquest today and i am not sure what i can do about it so i am on here seking some advice ont he next steps to take.

The letter says...........

 

Dear ************

 

Power of Attorney Royal bank of scotland

Account Number ****************

Balance Due**********

Judgement Sum (less than half the balance due)

 

On april *th 08 a judgement order was obtained against you which represented only a aprt of the balance due as we endeavoured to keep legal costs to a minimum so that we did not place further financial burden upon you.

 

The current judgement order may now be apssed back to our solicitors HL legal to start enforcement proceedings. If this is necessary we will seek to enforce an order with a warrent of execution.

 

In the event that we do obtain a warrent of execution, a bailiff will be assigned to attend your address and carry out the warrent. You will be informed that the bailiff has impounded the goods and you will be asked to sign a walking possession agreement. If full payment or satisfactory payment plan is not made, the bailiff is authorised to remove the goods for sale to pay the debt and costs.

 

As you will appriciate we have already committed to use the court process and this will continue. By obtaining the judgement it has prevented the judgement amount from becoming statute barred for a further six years, meaning we can still enforce the jugdement for that time or longer with the courts permission.

 

We have endeavoured to be fair and reasonable ever since your account has been placed with us and as one last conciliatory effort to settle your account we are prepared to accept the following, if you:

 

1. Pay the amount by a one off apyment or by installments

2. contatc us by 29th June with your acceptnace and proposals to this offer.

 

In return, as soon as the amount has been paid we will:

 

1. Accept this as a full and final settlement

2. Write off the remaining balance

3. Update your credit file with a part settled flag

4. update this judgeemtn as satisfied.

 

This situation will not go awayuntil such time that you contact us and come to an arragement to settle your account. Contatc must be made by 29 june 09 to stop further action and save you more expense and a possible visit form the court bailiffs.

 

Does anybody have any idea how to responde to this letter or do i just have to cotact them and pay the amount to get them off my backs!

Are there any theards on here with advice

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They have no legal powers to money off you, only a county court has & i bet they havent been anywhere near such a place, despite the way theyve worded that threatogram.:rolleyes:

Report them to the OFT/trading standards.

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How can i be sure that they have not got a judgement against me though? is there a way of checking this out?

How do i go about reporting them?

regards

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The thing is that they havent mentioned which court, so it would be hard to check?

 

 

Regards

 

David

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Thats why i think they are talking DCA *ollocks :rolleyes:

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You could check here - CCJs, court orders & fines - Search yourself and others - Trust Online - This may not apply for Scotland though (are you in Scotland ?)


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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I would write to them and request information on the judgement obtained in april 08, it does not sound like a normal threatagram - if however it is a threatagram then fire off letters to all and asundry because it's a nasty missleading one

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