Silly boy

[machinist]

Hi Guys,

I was a silly boy in my third year as a student and took out a few credit cards which i couldnt pay, and a littlewoods account. But a few months ago i decided to deal with it, rather than not do anything about it. I have blair oliver scott who keep sending me threatening letters for a debt of £630 and some company called capquest who littlewoods(very) have sold their debt to which is another £600. I managed to bring the littlewoods account down to £350 before I couldnt afford to pay anymore. I could get my parents to help me out, but I think I need to deal with this myself to learn from this mistake. I've got a job interview this week, which I should hopefully get. But how should I deal with these clowns, I've read tons of your forums and I'm not scared anymore which I was before. I want to pay as little as I can for now, because I'm saving up for travelling in november. But i think I could clear the debt in two months wages hopefully. Also i hade £78 letter from a company collecting from vodafone, but I want to dispute that as I'm sure i settled everything vodafone before I finished with my contract. Please help.

 

[sploits]

Morning machinist.

 

On the credit cards and littlewoods account have you asked for the CCA's (credit agreements)? No CCA then no enforcable debt.

 

Its good to see that you aren't scared anymore. I was the same as yourself. Scared sh*tless because a DCA was hounding me for money. After doing some research I too ended up on this forum and it has been a god send to me.

 

With Vodafone I think you could ask for a statement of account. That would give you your supposed charges and then you can look into disputing it.

 

Also good luck in your job interview

 

Sploits

[machinist]

Morning machinist.

 

On the credit cards and littlewoods account have you asked for the CCA's (credit agreements)? No CCA then no enforcable debt.

 

 

How do I go about doing this? Can anyone point me to a template letter that I can send off to these clowns?

 

 

Thanks guys

[sploits]

Certainly machinist

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

send a £1.00 postal order (NOT A CHEQUE) and make sure you send it recorded delivery. That way you have a paper trail and they can't deny ever recieving it from you.

[MARTIN3030]

Vodafone posted issues now moved to telecoms forum.

[locutus]

This is the thread for anyone wishing to follow this.

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-internet/260907-user-machinist-vodafone-problem.html

[Lee Vodafone Company Rep]

Thanks locutus.

 

I was just about to do that but you've beat me to it.

 

Thanks again,

 

Lee

 

Web Relations Team

 

Vodafone UK

[machinist]

Hi lee,

I will sort that shortly. I've been snowed under this week.

 

 

Update

 

In the meantime, I got a letter from "h+l legal solicitors" with capquest information on the back and by the looks of it it looks like some micky mouse template. Shall i still send of my cca request to capquest and ignore them or deal with these numptys. Also they say in the letter I have to pay for solicitors and court costs? Is there much chance of them taking me to court for £650 debt. I'm a tad worried.

 

 

 

 

Regards,

 

Machinist

Edited May 24, 2010 by machinist

[cerberusalert]

Shall i still send of my cca request to capquest

yes.

[machinist]

Can anyone tell me if i would get taken to court over such a small amount of debt, surely their legals fees will be like £500

[locutus]

I think you've answered your own question there... I've had 1 DCA try to take me to court over £1200 (online using Northampton's service), and I submitted that I would be defending and they dropped it.

 

I think some of them do take court action relying on people either buckling and contacting them with a repayment plan or they want win the court case by default with no-one defending.

 

Intimidation and fear are their greatest weapons, (Which is lucky for them because if it was intelligence and hard work they'd all be bankrupt!) and they use them just like a schoolyard bully. Just like the bully, stand up against them and they'll crawl back under the rock from whence they came

[MARTIN3030]

H&L legal and Capquest are one and the same.

Theres no shortage of info on them in these forums.

[locutus]

H&L legal and Capquest are one and the same.

Theres no shortage of info on them in these forums.

Another bully boy tactic... try to make youself seem important so you can pick on people

[MARTIN3030]

Yes then theres the Teleograms-the stat demand threats-charging orders and threats of BR.

Now and again we see increased activity after they block buy.

Theres no shortage of success stories either from CAG users.

Winchester Trading Standards must have their work cut out-although they advise contacting CD.

 

What is always concerning,is given the volume of Capquest victims we see on CAG-there must be a large number of others who they frighten into paying them...with all their various tactics.

 

I am amazed that given the number of complaints we have seen,and Capquests clear non compliance to upholding codes of practice and regulatory guidelines,how they are still operating.

 

All the more reason every instance that warrants a complaint-is carried through.

 

Only this way will things change.

[Lee Vodafone Company Rep]

Hi Machinist,

 

Thanks for coming back to the thread.

 

As soon as you've sent your email could you update this thread where your Vodafone query has been separated from your Littlewoods one.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

[machinist]

Hi Gang, sent my cca letter fews a go to capquest about my very account, for which I know I did not sign an agreement with and they sent me this with a credit agreement copy for which i should have signed lol. This was from a shop finance direct.

 

Dear Mr . ..,

 

Unfortunately we could not locate a copy of your executed agreeement(because there isnt one!), but for your information we enclose a copy of the current agreement which is applied to this type of account. The version includes all contractual variations which may have taken place.

 

 

According to our records the account was on this day ... and payments were meant to be made every 28 days.

 

 

As the debt remains unsatisfied, this will noted on our internal file for future reference.

 

 

This information will also form part of your records at the credit reference agencies where we share information. This information will remain in your credit reference file for 6 years.

 

 

Your sincerely,

 

 

Bla bla.

 

 

 

My question now is what happens, next, I know now without a cca they cannot enforce a debt. Is there another letter I need to send out the capquest muppets?

 

 

Regards,

 

 

Machinist.

[Lee Vodafone Company Rep]

Hi Machinist,

 

Did you get chance to email me with your details so that I can take a look at the Vodafone side of things here for you?

 

Let me know if you need any further help with this.

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK