capQuest

[gezwee]

thanks citizenb

I received this from capquest.

We thank you for your correspondence and respond as follows:

- This account has been passed to the relevant department.

 

What does this mean?

Thank you to all who have responded.

 

That means they didnt have a template for the correct response so they punted the closest thing they had in your direction

 

Gez

[Huff&Puff]

The "relevant department" is staffed by someone who got up to the 3rd Janet & John book at schools, and is their very best reader

[Zimmie]

Gone straight to the top then

[Old Cogger]

The "relevant department" is staffed by someone who got up to the 3rd Janet & John book at schools, and is their very best reader

 

 

You are being too kind.

[akuma]

I got this weird letter from CapQuest this morning.

I write in response to your recent correspondence...

 

CapQuest purchased the above referenced account from sainsburys bank with an outstanding amount of £3,000.

CapQuest were not made aware of any disputes or issues with your account and were acting in good faith based on the information from Sainsburys Bank plc.

 

CapQuest acknowledge your dispute regarding this payment and confirm that your queries were forwarded to Sainsburys Bank. I can further confirm that CapQuest have received a reply from Sainsburys Bank plc that they are not in receipt of any dispute details.

Please could you contact Sainsburys Bank to provide them with further details.

 

This account is on hold whilst we await your reponse.

 

Not sure what to do now.

[gezwee]

Hi Akuma

 

This would be Capquest finally waking up to the realisation that they've bought a pup

 

Have a read of Alanalana's thread http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/111159-rbs-ppi-claim-long.html

 

It is a long read but theres plenty of info and templates for letters within

 

Piece something together using the the above to suit your own circumstances, use the calculators in the PPI forum to work out how much you will be reclaiming..........

 

Payment Protection Insurance (PPI) - The Consumer Forums

 

Would suggest you post up on here what you have put together as you'll get loads of advice prior to sending.

 

If you get stuck just shout and I'll help you along

 

Gez

[IainHL]

Also, surely, if CapQuest had really purchased the debt from Sainsburys they should have sent a Notice of Assignment? Since I don't recall reading anything about akuma having received a NoA, then again they are being economical with the truth.

 

Aren't CapQuest in reality just trying to collect a debt on behalf of Sainsbury's?

[akuma]

Hi All,

Thank you for all of the advice. I had thought that this was over but after a year now I get this letter from CrapQuests solicitors.

 

Take notice that unless this account is paid in full or a satisfactory proposal for settlement is received by 24th jan court proceedings may be issued against you without further notice.

 

Information obtained to date suggests that if judgement is entered against you the current enforcement action we would be instructed to take is a WARRANT OF EXECUTION.

 

After this they have added more costs to the balance.

 

Could someone please advise me what would be the best course of action.

 

thanks.

[akuma]

I would appreciate if someone could take a look at the message above and advise. Thanks once again.

[citizenB]

Hi All,

Thank you for all of the advice. I had thought that this was over but after a year now I get this letter from CrapQuests solicitors.

 

Take notice that unless this account is paid in full or a satisfactory proposal for settlement is received by 24th jan court proceedings may be issued against you without further notice.

 

Information obtained to date suggests that if judgement is entered against you the current enforcement action we would be instructed to take is a WARRANT OF EXECUTION.

 

After this they have added more costs to the balance.

 

Could someone please advise me what would be the best course of action.

 

thanks.

 

 

Hi akuma,

 

Just responding to your S.O.S.

 

This appears to be a typical knee jerk reaction letter from CaPQuest, via their solicitors.. Which firm are they using ? The idea is to scare you into taking a decision that you might not think through, thereby committing yourself to a course of action you may later regret but which they will be happy to lock you into.

 

Unless and until they have issued a claim, obtained a judgement.. IF they win, and then been given permission by the court.. their threats are just that.. threats

 

Have you received the information you requested via the SAR, yet ?

[akuma]

Hi CitizenB

Thank you for your response.

CrapQuest are using HL Legal Solicitors.

 

How do I respond to their letter?

[citizenB]

I would simply say there is a dispute in respect of PPI that hasnt been addressed by either the Original Creditor or CapQuest.

 

If they are unable to resolve the issue, then please would they send you a Final Response letter so you can take your complaint to the FInancial Ombudsman. You ask for a response one way or another say within 14 days and if they dont respond then.. take your complaint to the FInancial Ombudsman, citing their lack of response to your complaint as the companies Final Response.

[jimbo45]

Hi there

Cr@pquest could only get a warrant of execution IF a CCJ wasn't paid and then that's not always possible either.

These firms have an over exaggerated opinion over the powers they have and operate by hoping to scare people into coughing up because they don't know their rights.

 

So for the moment treat the mail just like a typical Threatogram -- make CQ PROVE the debt is yours AND THEY HAVE THE RIGHT TO COLLECT IT as well.

 

Days of these Nasty businesses are nearly numbered now -- and who will be sorry to see the back of them.

 

Cheers

jimbo

[akuma]

Jimbo and CitizenB

 

Thank you to you both for answering my query.

I have sent a letter to crapQuest solictor outlining that they should not be threathing me as I still have a dispute with original creditor and I have passed this to the FSA and Financial Ombudsman.

I hope this is enough to deter them but I doubt this.

 

Anyway one final question.

Whilst replying to crapquest and other creditors is there a way I could learn what the legal procedure should be and what my rights are? Basically I want to give back to this forum advise to other members but not having sufficient experience or knowledge I could be wrong and dont want to give anyone any bad advise.

 

Cheers

[citizenB]

 

Anyway one final question.

Whilst replying to crapquest and other creditors is there a way I could learn what the legal procedure should be and what my rights are? Basically I want to give back to this forum advise to other members but not having sufficient experience or knowledge I could be wrong and dont want to give anyone any bad advise.

 

Cheers

 

I think the only way you can really learn is to keep reading. Perhaps select a couple of threads where advice is being given by some of the more knowledgeable caggers and make sure you understand what is being advised.

 

New posters are usually quite stressed, so a few words of welcome are usually well received

 

If you remember seeing something that might help a particular poster, then point them in that direction. You will soon pick up on things.

[akuma]

Received letter thanking me for my correspondence which has been passed onto their Compliance department.

Confirms that my account will be on hold whilst its being investigated.

 

What would be the next step in this process?

[citizenB]

I think you will just need to wait and see what their "investigation" unearths.

[akuma]

Hi Firstly I would like to thank everyone for the reponse and advice.

I received the following letters from crapQuest.

Please could someone advice me on what the reply should say. They have also attached Credit Agreement as attached before in this thread so looks like that they have something to go with. Thanks.

 

See attached files;

[akuma]

Just to summaries;

 

Letter 1;

CrapQuest purchased the above referenced account on 01 dec 2009 from Sainsburys Bank with an outstanding balance of £3,269.00. CrapQuest were not made aware of any disputes or issues.

crapQuest aknowledge your dispute regarding PPI and I can confirm that your queries were forwarded to Sainsburys Bank plc for their reponse. I can further confirm that CapQuest have received a reply from Sainsburys to advise that they are not aware of any dispute details.

However they have informed CrapQuest to advise you to write to their customer relations department and they will be happy to assist.

 

Letter 2.

I wrote to you on 22nd March 2010 and received no reply.

You had stated in previous correspondence that you had raised a dispute with Sainsburys Bank with regards to PPI, however you are now stating that you have a CCA request with them directly. I would therefore request that you clarify what your dispute relates to and forward to me any relevant correspondence between yourself and sainsburys Bank and I will be happy to investiogate further this matter on your behalf.

In the interim period please find enclosed a signed copy of your agreement and statements of your account for your review. If a response is not forthcoming within the next 14 days your account will be returned to our collections department in order to resume contact with you.

 

If anyone has any ideas what my course fo action should be please let me know.

[citizenB]

akuma, sorry, I cant see the information on any of those. Are you scanning or photographing your documents ?

 

Are they saying that Sainsbury's have no knowledge of your PPI complaint ?

[dx100uk]

try using this method:

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

dx

[dx100uk]

as advised in the guide

scan it as a picture

then use paint to block stuff out

then pdf it

 

those that you have posted are postage stamps

 

follow the guide!

 

dx

[akuma]

Apologieses for the attachments not being displayed correctly.

I hope now these appear correct.

 

Again thank you in advance for reading this thread.

1.pdf

4.pdf

3.pdf

2.pdf

[citizenB]

Righto, I can see that there is a PPI called Sainsbury Silvercare front loaded to the loan.

 

Do you have your original letters sent to Sainsbury in respect of reclaiming this back ? Do you also have any proof of postage that you sent the letter and confirmed off Royal Mail track n Trace that it was received ? Perhaps Sainsbury even acknowledged your letter.

 

If so, then I suggest you photocopy it all, send it to Sainsbury along with a covering letter along the lines of..

 

Dear Sir or Madam

 

Ref Account No:

 

You have informed CapQuest that you are unawares of any complaint respect of PPI mis sold to the above account.

 

Please find enclosed copies of my complaint and proof of postage and receipt.

 

I must now request that you investigate my complaint as per the Financial Ombudsman's guidelines and/or let me have your decision within 8 weeks.

 

Yours etc.

 

If you dont have copies of letters/proof of posting then, you are going to have to restart your complaint. Keep copies of your letters and always send via Recorded delivery mail - Special Delivery if you can afford it. Keep the receipt from the post office safely attached to the letters you send. Always check at least 3 or 4 days after sending on Royal Mail Track n Trace website that the letter has been delivered and print off the page with the signature. Attach that to your letters.

 

You should get your complaint in as soon as possible.

[akuma]

Thanks citizenB but what response should I give to CrapQuest?

 

I just checked on Post Office Track N Trace and even though the letter was sent last year it still says 'Information on your item is not yet available online'!!

 

Looks like I would have to restart my complaint.In this sense what whould you advise me to write to for CapQuest and Sainsburys.

Edited March 4, 2011 by akuma