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    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
    • Hmm, that's strange how they got my email then.  I assume the below is ok to send to DCBL, Nicky?  Hello, I am writing regarding our ongoing dispute and the upcoming court claim reference xxxxxxxx. To ensure fairness and transparency in our communications leading up to the court hearing, I request that you use postal mail exclusively for all further correspondence related to this claim. Please refrain from sending any communication or documents via email. Thank you for your understanding and cooperation. If you have any questions or need clarification, please feel free to contact me via postal mail at the address provided above. Yours sincerely, xxxx
    • In the SAR, I received the original application, lots of computer print outs, yearly statements from 2013 and the new emails regarding my complaint. They sent me a £50 cheque after I chased them for the SAR after the 30 days. They said they was waiting for me to respond to an email (which I never received) before sending the SAR
    • classic P2G. I'm sure dianne and Lesley will pop an email to you at some point.
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Capquest DCA bought my debt with Abbey!


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Hello,

 

I am new to this site and I have a problem that I could do with some sound advice on!

 

From the beginning .....

 

Back in 2007 my Abbey current account was closed with an overdraft of several thousand pounds ... I got the usual 'in house' debt letters from them initially and then I was advised by CAB to make a claim against them for return of charges that had been applied to the account in order to reduce the balance owing ..

 

This I did, my claim including interest was lodged with them back last year and I received an acknowledgement from Abbey that my case was on hold due to some legal case against them in which the outcome will be crucial to how they deal with my claim for repayment of charges.

 

They also advised me that they would respond to any court action I take against them in the matter by way of a 'hold on further action' whilst a resolution is sought in the case against them already in the High Court.

 

So, I have been patiently waiting whilst receiving only the occasional standard 'update' letter from Abbey, last one being around the start of this year (Feb/Mar).

 

I have not escalated my claim to the court so far.

 

Yesterday ....

 

I received a letter from Capquest Debt Recovery advising me that my Abbey balance had been sold to Capquest Investments Limited and that they wanted either the full amount or an arrangement to pay by the 27th of this month .. advising me that failure to do so may result in bankruptcy proceedings.

 

Today ....

 

I received a letter from Abbey giving me notice that my debt due to them was sold (by way of assignment on the 3rd July 09) to Capquest Investments Limited, both letters were dated the 14th of this month.

 

 

My questions ....

 

 

1. What should my initial response to Capquest be bearing in mind I have an outstanding claim against Abbey for unfair charges?

 

 

2. How should I respond to Abbey's notice of transfer?

 

 

3. Is it right that if a debt is being disputed with the creditor, that creditor is to refrain from collecting activities and must not pass the debt to a third party until such time the dispute has been resolved?

 

 

4. Am I too late to commence legal proceeding against Abbey in my claim for charge repayments?

 

 

 

 

I'm sorry I have gone on a bit but I'm more than a little concerned that I have screwed up and have scuppered my chance of a successful outcome to my claim against Abbey.

 

 

I am presently on income support and have no assets of value with arrangements to a number of other creditors that I am just about managing to keep up with, I doubt that I have a fiver left each month :(

 

 

I thank you for any help in this matter...............

 

 

aleksandr

Edited by aleksandr-orlov
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Thank you babybear - might not be as blunt as that but it will amount to the same :D

 

42man - Thank you for the link to the letter, I will adapt one for each, Abbey and Capquest and get them in the post on Monday.

 

Have you any further advice with regard to the question of legal proceedings against Abbey?

 

Many thanks ........

 

aleksandr

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  • 2 weeks later...

Me too, me too!

 

Got the letter a few days ago. I'd previously reported Abbey to the OFT and thought that Abbey had agreed to hold off on collecting my overdraft (made up entirely of charges) until the case was resolved.

 

I reckon they've sold off a job-lot of accounts like this to Capquest. How tricksy of them.

 

Does anyone know if it's too late to put in a court claim for these charges? I thought the OFT had sorted it for me but clearly not. If they've sold the account to Capquest, can a claim still be made against Abbey?

 

(Alexsandr I'm in the same kind of financial position as you, what b******s they are, hey?)

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I have received a letter from CapQuest and Abbey myself dated 14th July and I am in the same position as you so when I saw your post I was relieved when I saw the replies as I did not know how to proceed.

 

and .......

 

Me too, me too!

 

Got the letter a few days ago. I'd previously reported Abbey to the OFT and thought that Abbey had agreed to hold off on collecting my overdraft (made up entirely of charges) until the case was resolved.

 

I reckon they've sold off a job-lot of accounts like this to Capquest. How tricksy of them.

 

Does anyone know if it's too late to put in a court claim for these charges? I thought the OFT had sorted it for me but clearly not. If they've sold the account to Capquest, can a claim still be made against Abbey?

 

(Alexsandr I'm in the same kind of financial position as you, what b******s they are, hey?)

 

I sent off an adapted version of 42man's letter (link below) and I got a reply this morning - clearly, CapQuest seem to have a problem with understanding the English language and the written word:-x

 

http://www.consumerforums.com/resour...arge-situation

 

Their letter looks like a response to an information request - of course I made no such request:-|

 

I made it quite clear that I was disputing the account over a repayment of charges claim and that as such they should respectfully 'butt out' and return the account to Abbey.

 

I s'pose the phone calls will start soon!

 

Aleks

Edited by aleksandr-orlov
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Ok

 

 

Have you a figure of your charges. If SO AND YOU ARE OK. TAKE THEM TO COURT.

 

I f you claim from the OC they will reduce the balance .

 

I cant at this moment, point you to the tread however, if it has been sold it is sold with all the issues.

 

LILLY WHITE

Edited by lilly white
read tread again

 

 

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Ok

 

 

Have you a figure of your charges. If SO AND YOU ARE OK. TAKE THEM TO COURT.

 

I f you claim from the OC they will reduce the balance .

 

I cant at this moment, point you to the tread however, if it has been sold it is sold with all the issues.

 

LILLY WHITE

 

 

Are you saying take Abbey to court or Capquest as the debt was sold "with all issues" ...

 

Sorry for being a bit slow:oops:

 

Aleks

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