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Hello fellow caggers if like me you are fed up with letters and phone calls from debt collection agencies and bailiffs. You comeupon consumer action group for assistance, help and advice. Please note they are bullies and predators and in the next four years more and more people will need advice.


Please note I am not a lawyer or have I got any background in law, I am a citizen who has started fighting back I am fed up of being told u must pay. Some of us can't and its not a question of won't so I spend my insomniac hours doing endless research. And for all you caggers who have problems with Crappyquest here for your ease and reading.


They're bullies - and the only way to beat

them is to stand up to them. You'll find all the information you need

here to do it.


* Capquest is supposedly a British company, but is

jointly owned by two overseas companies, Blue Ocean Investments, registered

in Luxembourg and BRUinvest registered in the British Virgin Islands.

The ultimate controlling party is Blue Sky Trust, a Bahamian company.


Why is this? So they don't pay any tax,

there is no other reason. Doubt if the Tax man will see much from these

parasites. These types of company usually move 'loans'around their companies

and never show a profit, and so pay no tax.

This tells you about Capquest and

the type of company it is. Reputable?

What do you think? Time to close them down!

The British 'director' (or puppet, as some might say) in

charge is Michael Daniels, but the strings

are pulled by two characters called Joseph

Arthur Dlutowski and Mark Andrew Brunault

who are American 'vulture capitalists'.

Both with a history in the sub-prime loan market and the desire to make

a quick buck.

They're struggling, so challenge each

and every demand they make. Make them work for their money. Never speak

to them on the telephone, always write to them. Block their number.

*If they contact you, use this letter

to challenge the alleged 'debt'. Write to them, using the letter below.

Send it by Recorded Delivery and enclose a £1 postal order in payment

of the statutory fee. If the debt is older than six years and you have had

no contact in that time, then use the letter here.


Michael Daniels,

Capquest Group Ltd.,

Fleet 27

Rye Close



GU51 2QQ

Dear Sirs,

Yr. Ref.

I do not acknowledge any debt to your company.

For your information, all communications regarding this matter must be

in writing for Court use. Personal callers will neither be admitted nor

spoken to. Telephone calls will not be answered or acknowledged. If your

telephone calls continue, then legal action may be taken and/or a complaint

will be made to the Office of Fair Trading under section 40 of The Administration

of Justice Act 1970.

You are required to supply the following before I will enter into any

further correspondence with you.

1. You must supply me with a copy of the agreement you refer to. This

is my right under your obligation to supply a copy of the agreement which

is s.78 (1) CCA 1974 (s.77 (1) for fixed sum credit) - your obligation

extends to providing a statement of account. I enclose a £1 postal

order in payment of the statutory fee.

2. You are also obliged to supply a copy of the deed of assignment of

the above referenced agreement.

3. You are notified that you are obliged to supply these documents, whether

you are the original creditor or not.

Failure to comply with my request will result in a report being submitted

to the relevant statutory authority.

I await your response in writing.



Yours faithfully,

Use this letter for

debts older than 6 years for which you have had no contact.

Michael Daniels,


Capquest Group Ltd.,

Fleet 27

Rye Close



GU51 2QQ


Dear Sir/Madam

Re: Account No/Reference No:

No debt is acknowledged to you. You have contacted me regarding the account

with the above reference number, which you claim is owed by myself.

I would point out that under the Limitation Act 1980 Section 5 “an

action founded on simple contract shall not be brought after the expiration

of six years from the date on which the cause of action accrued.”.

The last payment or acknowledgement of this debt was made over six years

ago and no further acknowledgement or payment has been made since that

time. Unless you can provide evidence of payment or written contact from

me in the relevant period under Section 5 of the Limitation Act, I suggest

that you are no longer able to take any court action against me to recover

the alleged amount claimed.

I await your written confirmation that no further contact will be made

concerning the above account and confirmation that this matter is now

closed. If you do not supply such confirmation, I will be making a complaint

to the statutory authorities.

I look forward to your reply.

Yours faithfully

(Your signature)

Tired of being hassled by these parasites?

Then add your complaint to the growing number about this 'company'. Write

a letter to Trading Standards at the address below: Regulatory Services,


Mottisfont Court,

High Street,


SO23 8ZE

The Financial Ombudsman Service is also interested in hearing complaints

about these people. You'll find a link to their website at the foot of the page, where you can download a complaint form. Send it to:

Financial Ombudsman Service


South Quay Plaza

183 Marsh Wall


E14 9SR


Getting letters supposedly from Keppe & Partners - Solicitors, but

posted in Fleet? Capquest are using solicitors' headed paper. Complain

to the Law Society about this practice, which is dubious to say the least,

for the reasons given below. Law Society address at bottom of the page.


Any practice liable or intended to mislead the debtor - whether as

to the origin or authority of any document or as to any other material

matter is likely to be regarded as deceitful or oppressive or otherwise

unfair or improper within the meaning of section 25(2)(d) of the Consumer

Credit Act 974, whether the practice is unlawful or not.

The Law Society


113 Chancery Lane



Getting letters on solicitors' headed paper from these people? Then complain


The Law Society

113 Chancery Lane



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