*Capquest help current situation within*

[kathleenbilly]

Capquest buys lists of names of old debts in the hundreds maybe thousands.

 

They get a name the address (normally an old address ) if there lucky the person still lives there. The date of an Credit agreement.

 

They then do a credit search to find the applicant or confirm his address normally a hard search shown in table one which in inself is illegal as this table should be only for credit applications. The address address seach should be in table two of a credit file so to be not visable to others when you make a credit application or to have a negative effect on your score.

 

When they do the seach it will give then the necessary information of payments the default dates and ammo to then seek to get the money from you. Without this information from the credit file they can't even be sure they have the right person can they Bondie40 ?

[Blondie40]

Capquest buys lists of names of old debts in the hundreds maybe thousands.

 

They get a name the address (normally an old address ) if there lucky the person still lives there. The date of an Credit agreement.

 

They then do a credit search to find the applicant or confirm his address normally a hard search shown in table one which in inself is illegal as this table should be only for credit applications. The address address seach should be in table two of a credit file so to be not visable to others when you make a credit application or to have a negative effect on your score.

 

When they do the seach it will give then the necessary information of payments the default dates and ammo to then seek to get the money from you. Without this information from the credit file they can't even be sure they have the right person can they Bondie40 ?

 

 

Yes he has moved two times within 6 years and the loan was taken out at a particular address a point to note: he has said he did see this loan on his file a couple of years ago but clearly now it has gone,

 

 

They have done well to track him down. I think CapQuest might have been a bit sharper on this than we would normally give them credit for.

[kathleenbilly]

It's only a linked adress not much of a confidence booster for them.

 

They don't fancy this because they are totally in the dark.

 

No CCJ No defaults, if the Bank of Scotland don't come with the information needed then they have nothing to come to Court with do they...'' Best they move on easier fish to catch.

[Monty2007]

I think CapQuest might have been a bit sharper on this than we would normally give them credit for.

[Blondie40]

Something does not add up here.

[kathleenbilly]

Something does not add up here.

 

 

Bless

 

Sometimes 2 + 2 is not 4 otherwise life would be very boring

[Blondie40]

Bless

 

Sometimes 2 + 2 is not 4 otherwise life would be very boring

 

Confirmation!

[kathleenbilly]

Confirmation!

 

 

 

You have made me smile in this bleak situation !!

 

Conspiracy nothing is what it seems lol

[Monty2007]

You have made me smile in this bleak situation !!

 

Conspiracy nothing is what it seems lol

 

So, what is your game?

[kathleenbilly]

On a serious note,

 

Tell that to the guy who may have to pay Capquest close to 25,000 pounds,

 

Blondie,

 

Capquest are real, the money they want is real, the guy is real, has a life a mortgage and a family.

 

Let hope i can win this for him. I have beaten Capquest before, and also Mackenzie Hall Debt collectors.

[kathleenbilly]

So, what is your game?

 

 

Ask Blondie,

 

She got something in her head about all this maybe she can spell it out to us i hate guessing games.

[Monty2007]

Ask Blondie,

 

She got something in her head about all this maybe she can spell it out to us i hate guessing games.

 

I was asking you, having read your previous threads.

[kathleenbilly]

I will be more than happy to report on Capquest replies and then hopefully the eventually outcome.

 

That i am able to do,

 

When people say somethings not right here, and confirmation ??

 

I tried to make light of it, but if someone wants to actually be clear in what they are saying please say it and i will answer the question.

 

Or better still give me some real direct advice that can help me deal with this because that's why i started the thread.

[Blondie40]

This is what I've got in my head:

Edited July 13, 2010 by Blondie40
Incorrect information posted.

[Blondie40]

This is what I've got in my head:

 

From the your thread

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/118769-my-credit-file-clear.html

 

post 13

 

Thanks for the information i'm looking forward to building back my credit from next year.

 

I took various credit cards and Barclays Bank for a total of 65,000

 

I paid not a penny back. Only Barclays tried attachment of earnings so i completed the form sent by the court and then left that job.

 

Because i do not own property in this country the whole process was easier for me to not pay.

 

I now have a cash account with Alliance @ Leicester which works exactly like a bank account with direct debits but you don't need a credit check to get it.

 

I also have a credit card with Virgin Mastercard which works like any other credit card but you top it up as you go.

 

My credit will be clear next year as far as my file is concerned.

 

Looking back its been an inconvenience but maybe i should of taken them for more.

 

I don't condone taking money and not paying it back this is just my story but trust me they can afford it.

 

 

post 17

Really for ever! wow seriously i am so worried you have said that! my god i will never get credit ever my life is ruined!

 

Where did you learn words like Statute Barred ?

 

You made me laugh just like the letters i used to receive from debt collection agencies about what they were going to do to me Bah Bah Bah.

 

I've still got the 60 grand pal.

 

 

post 19

 

My story is an interesting one I had a good job a nice house with a mortgage just like you.

 

Everybody wanted to lend to me, cards banks all of them, you can imagine, all my best friends it seemed especially when i had a house to lose.

 

After two years i had used and spend all money lent to me and found i was unable to pay back what i had borrowed. It was a crap time when this reality became my life.

 

I was angry stupid enough to put myself in this situation and equally angry the money was offered up so easily.

 

So i the turned the negative into a positive, sold my house brought property abroad, run up 60 grand further of debt banked abroad and rented a property and payed back nothing given my borrowing was all unsercured there was nothing any of them could do.

 

The rest is history next year my file is clear as a result I'm very comfortable so thanks Barclays, MBNA, Capital One and all the others to whom i owe my thanks for the easiest money i will ever get.

 

Never was i going to let these corporations who don't give a toss ruin my life,

 

Life's too short for that it's all just a system so play it as you will.

 

 

post 29

 

Well firstly i don't need help, what i asked is clarification on a couple of fairly basis points which you can read in my first post in this thread.

 

I accept what i have done smacks in the face of what this forum is about and for that reason i will not argue the point.

 

However all forums are based on honesty and debate myself all i did was give just give my story i never build it up as a solution or a way for anyone to manage a debt problem.

 

I apologise for the negative approach to solving debts and fully understand it is not consistant to the law of the land, but then the law of the land is not always right is it?

 

All the best with the forum and thanks for the advice.

 

 

post 34

 

EDIT: This thread is closed.

 

Rooster-UK.

[Blondie40]

and this…

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/252069-debt-agency-searching-my-2.html

 

 

Ironically I dealt with Rob Sands of Mackenziehall and can confirm the search footprints have been completely removed from my file. :grin:

 

Very happy about that knowledge is power share it and spread the word.

 

These companies/debt collection take advantage of lack of understanding to play the fool with us so educate yourself and you can beat them.

 

A true story,

 

A few years back Customs and Excise took 5000 cigarettes 25x200 cartons from me when i returned from Spain there value was 350 quid at the time. I was really upset and told the Custom Officer i would take them to Court he laughed at me...and took the cigarettes. I walked away and told him i would see him in Court.

 

I got a solicitor which cost me 850 pounds (More than the value of the cigarettes i hear you say!) to represent me in a Civil Case against Customs and Excise who brought in a top Barrister.

 

I had to take to the dock and it was heavy full on stuff, the Custom officer who confiscated the cartons failed to appear called in sick apparently,

 

Custom and Excise were unable to provide sufficient evidence the purchase was for commercial profit....I won the case and was awarded all costs for my solictor, the cost of my flight, plus the cost of the cigarettes which had been destroyed by the time the case came to court (took over a year etc)

 

The point i'm making ?

 

Principle....The original Custom officer laughed at me he never dreamed i would go to court you can see above it was not cost effective to do so, it was on that basis he took my cigarettes but i knew he was wrong and i proved it. You can beat even Customs and Excise if you know your rights!

[Blondie40]

On a serious note,

 

Tell that to the guy who may have to pay Capquest close to 25,000 pounds,

 

Blondie,

 

Capquest are real, the money they want is real, the guy is real, has a life a mortgage and a family.

 

Let hope i can win this for him. I have beaten Capquest before, and also Mackenzie Hall Debt collectors.

 

On a serious note, you are acting on behalf of a friend, I hope you have a less Cavalier attitude towards his debt problems than you do for your own.

[Blondie40]

.

 

Or better still give me some real direct advice that can help me deal with this because that's why i started the thread.

 

OK, but I get the impression real direct advice does not sit well with you.

[kathleenbilly]

On a serious note, you are acting on behalf of a friend, I hope you have a less Cavalier attitude towards his debt problems than you do for your own.

 

 

Many thanks for your help and advice which has been noted,

 

may i take this opportunity to wish you all the best in the future.

 

regards,

 

Billy

[Hardupnotfedup]

On a serious note,

 

Tell that to the guy who may have to pay Capquest close to 25,000 pounds,

 

Blondie,

 

Capquest are real, the money they want is real, the guy is real, has a life a mortgage and a family.

 

Let hope i can win this for him. I have beaten Capquest before, and also Mackenzie Hall Debt collectors.

 

Your angle on other threads is and I quote "I'm not stating the obvious but it is their money and they are entitled to collect it"

so what's different here apart from it is a 'friend of yours'

With so much at stake here your friend may be better getting professional help and advice.

Conspiracy theories will not help you here, nor will sending SAR's to Capquest.

[kathleenbilly]

Your angle on other threads is and I quote "I'm not stating the obvious but it is their money and they are entitled to collect it"

so what's different here apart from it is a 'friend of yours'

With so much at stake here your friend may be better getting professional help and advice.

Conspiracy theories will not help you here, nor will sending SAR's to Capquest.

 

 

Thank you for the advice and infomation i shall pass it on accordingly to the person concerned.

[Blondie40]

Many thanks for your help and advice which has been noted,

 

may i take this opportunity to wish you all the best in the future.

 

regards,

 

Billy

 

I am surprised, given your success against CapQuest, MacKenzie Hall and Customs & Excise in the past, that you did not offer some resistance.

 

I wish your friend the very best of luck in fighting this and hope he can achieve a satisfactory outcome, given what is a stake.

[kathleenbilly]

I haven't stopped and will see it through to a conclusion.

 

As you may know i am using my own resources and knowledge. However if needed and Capquest continue to push for payment i shall without hesitation bring in and apoint a professional lawyer.

 

I am well within my budget to do so.

[Blondie40]

 

I took various credit cards and Barclays Bank for a total of 65,000

 

 

I am well within my budget to do so.

 

Clearly

[kathleenbilly]

Blondie40

With the greatest respect please move on you have nothing constructive to offer on a legal front or how best to proceed in this case.

I will not be drawn into negative dialogue with you as clearly it seems you wish me to do so.

The fact you searched previous posts to display on my thread was a disappointment however I shall remain diplomatic.

As I said before I wish you only the best and hope from now you use your time more respectfully in the forum rather than trying to draw confrontation.

Your response/s will not be required as i shall credit no more of my time to them.