Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


monacool

Help Needed Please! Cap1 - CapQuest now lowells

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2140 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi everyone,

I am a newbie and absolutely scared by the whole experience.

 

Not long ago I received a letter from cap quest demanding £500 on behalfof the cap 1 credit card.

 

It came out of the blue as

 

I was trying to repay my debt by sending £10 a month to cap1 account for the past 2 years.

 

Trying to find a way of dealing with DCA

 

I found some advice on this website and sent cca demand.

 

After receiving the standard 28 days account on hold letter,

the cca copy and some typed statements arrived in the today's post.

 

The letter demands that I arrange a payment scheme and failure to do so will result in passing my account to collection department for further action.

 

My account with cap1 was set up in 2005 and I defaulted on a few payments

but I tried to send a small sum of money each month to cover the outstanding balance

and now it seems the interest applied is gigantic and I have an alleged debt wit capQuest.

 

Has anybody got any advice what to do next?

 

Miserable M

Share this post


Link to post
Share on other sites

can you post up the cca to see if it is enforceable?

Share this post


Link to post
Share on other sites

i will try but i am fearing it looks kind of all right.

Share this post


Link to post
Share on other sites

First of all don't panic.....I too am dealing with Capquest as they are acting on behalf of Capital One for my old credit card debt......

 

These people will try to harass, scare and bully you into paying more than you can afford or for a debt that is unenforceable.

 

Try if you can to stay calm, post your cca minus your personal details and someone will be along shortly to take a look and give advice on next steps.

 

This site has been a great help to me in my situation and I feel confident enough with the knowledge I have gained from this site to tackle these morons either on the phone or with replies to their computer generated letters ;)

 

Good luck

Share this post


Link to post
Share on other sites

just remember dca's will always issue threats 99.9 times out of 100 they are empty the only way they can make you pay is if they take you to court... about as likely as seeing a flying cow

Share this post


Link to post
Share on other sites

Thank you all for quick reply and words of encouragement:)

I have scanned the cca. It's one page printed on the front and back.

Share this post


Link to post
Share on other sites

Hi,

 

Have you any idea how much they have added to the balance in charges.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

OK first thing to do is send crap1 a sar for all statements since this account was opened, then we can see what they have added, in the meantime send crappyQ an account in dispute letter stating that you disagree with the balance quoted and are awaiting the results of a sar send to the OC, and until such time you do not recogninse any debt to them.

 

also have you recieved a notice of assignment from crpa1


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

I can scan the statement pages capquest sent me. If you think u would like to have a look.

Share this post


Link to post
Share on other sites

if you don't know what scott has asked then you would need to send cap one sar to get a list of charges that have been applied to reclaim theseback to reduce the amount.

 

here are some template letetrs you can send capquest to make an offer of payment:

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/146154-creditors-dcas-letter-templates.html

 

also a link to the cap one frum where you can have a read around to reclaim te charges:

 

http://www.consumeractiongroup.co.uk/forum/capital-one/

 

Ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

no notice of assignment as yet

Share this post


Link to post
Share on other sites

Thanks Ida, I will do that.

Share this post


Link to post
Share on other sites

Has anybody got a link to a good account in dispute template letter please?

Share this post


Link to post
Share on other sites

do you have a default notice?

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

you have two threads running wich can confuse each other.

 

will get them merged

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

Two threads merged, Thanks Ida :)

 

monacool, please stick to this thread, regarding this subject.

 

Thanks.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

can anybody have a look at the cca copies please. they seem like enforcable but i have an impression there is something fishy about them???

Share this post


Link to post
Share on other sites

they look ok to me, sorry.

 

do you have a defaul notice?

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites

no i haven't got. does the name on the cca need to be identical to that on my cap1 statements? It seems like my middle initial is missing from the cca sent by capquest. seems like i am doomed here...

Share this post


Link to post
Share on other sites

the only other thing is if there is a problemt with the default.

 

you would need to sed cap one the sar to see the default and termination notice

 

and also you can reclaim the charges

 

ida x


Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Share this post


Link to post
Share on other sites
I can scan the statement pages capquest sent me. If you think u would like to have a look.

 

you really need crap1's statements - it has been said that dca's can use photoshop:)


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Share this post


Link to post
Share on other sites

not doomed yet you have a long way to go.. chances are there will be a lot of charges on account you can offset against the debt also remember you pay only the amount you can afford... not what the dca say they want...you are in charge of your money not them

Share this post


Link to post
Share on other sites

thanks for the spark of hope :)

Share this post


Link to post
Share on other sites

no probs you will get all the support and help you need here

Share this post


Link to post
Share on other sites

Hi everyone,

 

I have received a letter from Lowell Portfolio 1 today claiming they have purchased my debt from Capital One on the 24th of July

and would like me to ring them and pay them £516.

 

This particular debt had been bought by another DCA four years ago (CapQuest).

 

I managed to dispute it and

 

then the acount was closed and

 

passed back to C1 on the basis of missing Credit Agreement docs.

 

There was no further contact from anybody concerned untill today's lowell letter.

 

The debt is now 3 months away from being Statue barred (what does it mean by law?)

and now I don't quite know what is going to happen.

 

Can anybody give me any advise of what to do in this situation,

 

shall I ring them and explain the whole story?

Any help much appreciated.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...