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Hi, my son was declared bankrupt July 9th 2009, so has just come out of bankruptcy, He has just received a letter from capquest who they say are acting for one of the loans he had, they said that his house has now been sold but there was a shortfall of £28000 and want all his personal details to see how best he can pay back this money. The house was repossessed but that and all his loans were included in the bankruptcy so can capquest make him pay back the money,

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no

just a dca chancing their arm.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks for quick reply, been reading about capquest but none of the questions were anything like my sons situation so wasn't sure, Capquest seem to have a bad name, I can see why. Thanks again feel a bit happier now.

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If the OC accepted a settlement as part of his bankruptcy and he has written confirmation of this then it may be worth getting in touch with them in order to get the right message back to the DCA.

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Desperate times - desperate measures = Crappy all over.;)


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Bit ignorant about these things but whats an OC, thanks for help anyway.

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OC Original Creditor


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Bit ignorant about these things but whats an OC, thanks for help anyway.

 

Original Creditor :D


If you believe that this post has helped in any way please click on the star to the left

 

DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Ok thanks will try that also

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Hi,

Just an update on CapQuest, sent a letter to capquest saying this debt all part of bankruptcy they have no legal right to chase him and all future correspondence will go straight to our solicitor, sent it recorded delivery , they received it saturday, no more letters coming at the moment, but now they ring once a day to speak to my son, we just put the phone down on them, the last phone call today at 8.15am said this phone call was being recorded by them. Is this the right way to go do you think? Have been in contact with the official receivers office who dealt with my sons bankruptcy, who said ignore them, but it's very worrying for us.

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Morning,

Well, if the IR says to ignore them, that's good enough.

 

I would send CapQ one more letter from here:

 

The Consumer Forums - Harassment

 

Put a little on it about chasing this debt.

 

If they continue writing or phoning, complain to them first and when they knock you back, you can then go to the FOS


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I'd second this.

 

I know it's difficult but don't worry too much.

 

Have the official receivers said that they'll contact the OC to clear this up and get the DCA of your sons case?

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No when I asked the OR was there anything they could do, all she said was ignore them, it's maybe as his bankruptcy was over 7th July this year? anyway am logging the calls and trying not to panic. I have saved a copy of the harassment letter ready to send if needs be,

Will keep you updated and thanks again everyone

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I would get the harrassment letter off asap. I would also complain to the OFT and Trading Standards online @ Consumer Direct


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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A big thank you everybody for your help, sent off the harrassment letter to Capquest, haven't had any more letters or phone calls since lasrt wednesday (1 Week) here's hoping they got the message.

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