Help Capquest Next Step

[dnbdubs]

hello Ireiceved a letter asking me to pay up within so many days for a sum of 734.41 which apparntly I owe to capital one or legal action and door step visits etc.

So i sent a cca request to them aswell as telling them my rights about door step visits harrasment and that I do not acknoledge the debt.

Today I recieved two letters from capquest both with the same date, one saying that my account is now on hold for 28days whilst they obtain information and a second saying that "we can confirm that we are only working on behalf of our client, therefore there is no Notice of Assignment" .....what does this mean?? and what is my next step of action, ive only recently turned 19 it is very unlikely that I could have even been put into a credit agreement and I think they believe im an easy target..some help would be much appreciated ! cheers

[cerberusalert]

They're playing games, Capquest are the in-house collection arm of Crap1's. I take it you have never had a CC with them?

[dnbdubs]

They're playing games, Capquest are the in-house collection arm of Crap1's. I take it you have never had a CC with them?

nope! that was the first I ever herd of it...

[cerberusalert]

If I'm right and you have never had a credit card with Capital One you should make a complaint to the Trading Standards via Consumer Direct Consumer Direct - Contact us and to the OFT [email protected] if they continue to pursue you for this alleged debt.

 

If you have any further bother from Capquest or Cap1 just give a shout.

[dnbdubs]

If I'm right and you have never had a credit card with Capital One you should make a complaint to the Trading Standards via Consumer Direct Consumer Direct - Contact us and to the OFT [email protected] if they continue to pursue you for this alleged debt.

 

If you have any further bother from Capquest or Cap1 just give a shout.

 

ta, i think its a bit rediculous they just scare people into giving them money, what should i do in the meantime ie the reply to this they dont have a notice of assignment..does this mean i can tell them with out this they cannot enforce any more action towards me?

[ScarletPimpernel]

They're playing games, Capquest are the in-house collection arm of Crap1's. I take it you have never had a CC with them?

 

 

 

I hope you will not mind me correcting you. The in-house DCA of Capone is Debitas; Capquest are an independent DCA and debt purchasing company.

[cerberusalert]

Thanx for the correction ScarletPimpernel

 

If it's not your debt they cannot do anything. One of two things could have happened, someone could have used your identity to create an a/c with Cap1 or they are chasing someone with the same or similar name. If you've recently moved it's probably the latter.

[dnbdubs]

it was always Mr A T***** in there letters not my full first name, i never replied using my full first name but now on theese two letter it does have my full first name, shall i just write them a letter saying i still dont acknolwedge the debt and will cease communication until u can provide me with evidential proof that myself have been entered into a credti agreement until such such time i will be reporting this case to the OFT ? obviously worded better and spell checked lol

[cerberusalert]

You don't have to do anything. The onus is on them to prove that you owe the debt which they can't because they are chasing the wrong person.

 

They are contacting Cap1 to get the information & if they do send a copy of the CCA to you then complain to the ICO because they will be in breach of the Data Protection Act too, so deeper in the brown stuff.

[dnbdubs]

i see im sorry to keep going on i just dont understand the second letter, the first one says i dont have to do anything and wait for them to prove.... the second one says that there working on behalf of there client therefore there is no notice of assignment and I have 14 days to reply to that one..can you see what im getting at lol..is that there result for finding the documentation or not

[cerberusalert]

It's just the normal gibberish that a DCA comes out with, half the time the don't understand themselves what they write. All the notice of assignment means is that their client has sold the debt to them. It is a legal notification which is sent to the debtor to inform them that the a/c has been passed to a debt collector. You would never have received this because it would have been sent to the last known address of the person who actually owes this debt.

 

What has probably happened is that someone with the same name as you has had an a/c with Cap1 & for whatever reason not paid them. They could have died, moved or just done a 'runner' & Capquest have done a search for people with the same name & yours has popped up. When you got their first letter they would have been fishing, and you have taken the bait by sending the CCA request. Because you requested the agreement they'll be 99% sure they've got the right person because in normal circumstances people will ring them up and ask what the hell they're on about or words in a similar vein.

Edited July 18, 2009 by cerberusalert

[dnbdubs]

oh well, its only cause ive sent a cca request before for an actual debt it put me in the clear that i decided to use one again just thought if i send it it they cant prove anything and then relaise theve made a mistake.... i know what debt collectors are like they come round and **** u off and if sumone turns up at my house i will get ****ed off so a i nce letter will supress the anger lol, we had two people in a van turn up at work to take computers away because apparntly we dint pay business rates which were paid like 7 months prior nd it ended up in two large men getting forced out of the property lol