Jump to content


  • Tweets

  • Posts

    • wouldn't be at all surprised - only chance he has to avoid an imminent brutus moment
    • Apparently some journalists have heard that Sunak may call an election next weekend or in the week following the bank holiday Monday. With the election to be held at the end of June. Rishi Sunak could call snap general election | Politics | News | Express.co.uk WWW.EXPRESS.CO.UK Here's why the Prime Minister could announce a general election soon  
    • Found a BMA article related to this subject which I think the OP will find helpful. Patients recording consultations WWW.BMA.ORG.UK Our guidance answers if patients can record doctors without permission or covertly, how to respond when a patient asks to record their appointment and what to do if a covert recording is posted online.  
    • Ah - that was another thread that got merged back in 2018   That 'split' doesnt refer to this legal matter  
    • Thanks dx for your kind words. I plan to renew my season ticket and write a new begging letter as following, can I ask for any suggestion about it?   Dear Investigator/Prosecutor,   Thank you for your reply. I deeply regret my actions and the inconvenience they have caused.   I’m extremely remorseful for my crime. and regret it everyday. I often ask myself ‘’how can I do that thing just because I felt it is interesting. There are a lot of crimes in the world, but feeling it’s interesting is certainly not a reason to crime. I should not crime with any reason.’’ I think about these things every day, and I understand that I can’t blame anyone but myself.   I thanks to the staff who stopped me, as this is a valuable lesson in my life. I told myself that I should never ever repeat such a thing again, and never ever do anything which is possible to be in breach of any law. As a result, I carefully tap my oyster card every time before I enter the station now. I remind myself that I did a wrong thing before, and I should never let it happen again.   Although my monthly travel expenses do not warrant a season ticket, but I just renew my season ticket (please see the attachment). I understand that a crime cannot be truly compensated for, but purchasing a season ticket offers me a small measure of comfort, knowing that my actions caused a loss to the public interest.   I received an email which ask me to negotiate being class teacher in this summer (please see the attachment). I hope that I could teach the lovely students again, which may not be allowed with a criminal record. I would please ask that you would please provide me a single opportunity to settle all outstanding sums owed outside of court without the need for legal proceedings which would have a determinantal impact on my teaching career.   I sincerely apologise again for my crime. If you need anything further from me to help you please let me know.    Yours sincerely,
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Advice needed about debt owed to CapQuest


adz3785
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5310 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

Got a bit of a problem with a debt recovery company....CapQuest!

 

Approx 2/3 years ago I had a Abbey bank account which had a overdraft limit of £100, due to financial difficulties of buying a house etc.. I was unable to pay the overdraft off! I had spoken to Abbey explaining my situation and that i could pay very little to pay the overdraft off, however they would not accept this and demanded I paid it off in full!

 

Unable to pay the £100 off at once, the only thing i could do was leave it until i could get some money together to pay it off. However this wasnt quick enough for Abbey and I got charge £30 for failing to pay off the overdraft, then a couple of months later they charged me £50.

 

So I was even more unlikey to be able to pay off the balance of £180!!

 

A few more months went by and Abbey kept sending me letters, a few more months went by and I admittingly forgot about it! We then moved into rented accommodation and never heard anything of it until a month ago.

 

I applied for my first credit card with Halifax, I wasnt approved for some reason, so I subscribed to Experian to see if there was anything on my credit file. Thats when i noticed a default payment or something from Abbey for the sum of £180.87.

 

I then received a letter from Abbey on the 18th August saying my debt had been sold to a debt recovery company.

 

The same day I received a letter from CapQuest informing me my debt had been sold to them and requesting I contacted them.

 

Then on the 21st August I got another letter from CapQuest asking me to make a payment of £180.87 by the end of August.

 

All letters were in the same envelopes marked with UKMail and on the reverse they all have the same PO Box address! Plus the letter from "Abbey" looks strangley similar to the letters from CapQuest! Pritty much the same format! Same setup, same font, same font size etc... even file reference codes in the same location!

 

Just after a bit of advice on what to do? I dont want to ignore it any longer, but I dont want to pay the full amount if I dont have to.

 

Is there information I can ask CapQuest to provide me with to show me how the £180.87 is made up of? I havent contacted them yet, but feel i should do soon otherwise i'll only get another letter!

 

What do i do?

 

Any help/advice greatly appreciated.

 

Adam

Edited by adz3785
Link to post
Share on other sites

Hi Adam.

You could send a SAR directly to Abbey, which should produce all the data they hold on you, and throw light on any unfair penalty charges added to the account.

The link is below. They have 40 + 2 days to comply.

Keep us posted, and shout if you need more help :)

Elsa x

 

The Consumer Forums

Edited by Undercover-Elsa
To add link!
Link to post
Share on other sites

Hi, you could write something on the lines of:

 

Dear Sir/Madam

Ref: Account Number:

Thankyou for your letter re the above account.

Unfortunately this account is in dispute due to inaccuracies including unfair penalty charges.

I have a Subject Access Request pending and therefore request that you hold action on this account until Abbey have complied with my request and I have had chance to examine the documentation.

Yours faithfully...

 

Or anyone else have any ideas?

Link to post
Share on other sites

So just to get this right, im sending a letter to Abbey asking for information on my account, charges etc.. etc...

 

Then a letter to CapQuest informing them of the letter to Abbey and would appreciate if they would put it on hold until i receive the info from Abbey.

 

Shall i send a copy of the letter to Abbey to CapQuest? or not?

Link to post
Share on other sites

Well ive sent off the letter to Abbey and CapQuest so ill await the reponse.

 

However i received a letter from HL Legal Solicitors yesterday which reads along the lines of....

 

"....TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 18th Sept 2009 court proceedings may beissued against you without further notice.

 

In the event that court proceedings are necessary the following costs will be added to the debt.

 

Balance of Account £180.87

Court costs £15.00

Solicitors Costs £50.00

 

Total £245.87

 

Interest, where applicable will also be added, accuring on a daily basis...."

 

Should i send them a letter similar to what ive sent CapQuest stating that the account is in dispute etc....?

Link to post
Share on other sites

One thing for inexperienced Caggers to note:

 

adz3785 subscribes to Experian and suddenly he gets a letter from Abbey! This is why the CRAs are so keen to get people to sign up, especially those with any adverse credit history, because they will instantly pass your information on to anyone who wants it... and they charge you for the pleasure!

Link to post
Share on other sites

Well ive sent off the letter to Abbey and CapQuest so ill await the reponse.

 

However i received a letter from HL Legal Solicitors yesterday which reads along the lines of....

 

"....TAKE NOTICE THAT unless this account is paid in full or a satisfactory proposal for settlement is received by 18th Sept 2009 court proceedings may beissued against you without further notice.

 

In the event that court proceedings are necessary the following costs will be added to the debt.

 

Balance of Account £180.87

Court costs £15.00

Solicitors Costs £50.00

 

Total £245.87

 

Interest, where applicable will also be added, accuring on a daily basis...."

 

Should i send them a letter similar to what ive sent CapQuest stating that the account is in dispute etc....?

 

HL Legal are Crapquests inhouse faux solicitors. It just the same sh!t on different notepaper

Link to post
Share on other sites

Thanks Elsa, ive sent them the same letter as ive sent CapQuest.

 

Hmmm i had thought that myself DonkeyB, as i know anyone who has the facilities can do credit checks on people cant they....ive just canceled my Experian, shame its too late now!

 

ODC yes i noticed that all letters from Abbey, CapQuest and HL Legal have the same layout and format etc...

Link to post
Share on other sites

Yep just goes to show how they're all sharing the same toilet, to put it politely :)

Just managed to stop one of my offspring in time from joining Experian as there's an army of skeletons from her student days in another part of the Country. She'd no idea it would bring them down on her like a scene from Sinbad!

Link to post
Share on other sites

Thanks Elsa, ive sent them the same letter as ive sent CapQuest.

 

Hmmm i had thought that myself DonkeyB, as i know anyone who has the facilities can do credit checks on people cant they....ive just canceled my Experian, shame its too late now!

 

ODC yes i noticed that all letters from Abbey, CapQuest and HL Legal have the same layout and format etc...

 

The worrying thing is that your data must have been flagged... I think every time someone subscribes, the CRAs must actively push your data to see if anyone's after it. Very smelly. Sure there must be something dodgy and against data protection principles in there somewhere.

Link to post
Share on other sites

Hmmm, following on from Undercover Debt Collector, how about Undercover CRA?

I wonder how proactive it is.. does the CRA issue a list of new registrations to the DCA's (for a fee) in a similar way the Government publish lists of people who die intestate, for instance?

Or do the DCA's do all the legwork by repeated automated searches for anyone on their books.

Either way all new registrants are sitting targets on the basis that if they registered they probably have debt concerns.

Link to post
Share on other sites

One thing for inexperienced Caggers to note:

 

adz3785 subscribes to Experian and suddenly he gets a letter from Abbey! This is why the CRAs are so keen to get people to sign up, especially those with any adverse credit history, because they will instantly pass your information on to anyone who wants it... and they charge you for the pleasure!

 

I got hit with this, just moved back to the UK and thought I'd do a check on my Credit History as Direct Line (House Insurance) were so good to offer me a free 'Credit Expert' membership (Experian). So foolishly I entered my details.

 

3 weeks later and out of the blue I have Capquest chasing me for alleged debts from my previous marriage!!

Edited by anynewmouse
Link to post
Share on other sites

Agree. I want to access my Credit Record, but cannot do so as (i) I do not want my new address to become part of their database and (ii) I do not want to "flag up" I have searched the file. It seems these are real impediments to people being able to check their own credit situation.

Link to post
Share on other sites

The CRAs will not let you access your data unless you provide them with a current address and give them permission to use the data you have provided. The only option is perhaps to use a PO Box number, but they probably won't let you do that. It really does smell...

... and that's why CAG has a whole forum for it!

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/

Link to post
Share on other sites

Ok guys slight spanner in the works! This debt is now a big problem for me!

 

At the weekend me and my girlfriend went to Halifax bank to arrange to open a joint bank account for when we move into the new house we are getting built.

 

Thing is it was declined due to me having a "Default" on my credit file, i explained to Halifax that the matter was currently in dispute, however to allow us to take out the joint bank account with overdraft facilities they require the debt to be "Satisfied"......which got me slightly worried as we are currently applying for a mortgage and i have no doubt that this will cause some problems for us.

 

Question is what do i do? i dont want it to affect us being able to get a mortgage!

 

My initial thought was to ring CapQuest and ask for a settlement fiqure to get the debt paid off so it wont show as still owed on my credit file.

 

Any advice?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...