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I have been in agreement with the aboce for a year. This morning I got a letter from HL Legal stating the following;

 

Capquest Debt Recovery has appointed this firm to act in the above matter, following your failure to respond to their letter dated 17 Nov 09.

I need to settle in full or provide a satisfactory proposal before 11th Jan otherwise it will go to court.

 

What should I do please ?

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Hi Dave

 

Without reading all of your other 46 posts, can you tell us if there is any other history with this lot.

 

ie, CCa'd. Dsar'd, payments amount being paid, reason for stopping payments and any thing else you feel we should know.

 

I know what I would do, but we need to have feedback from others too.

 

Mr

Regards..Mr Worried :)

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Hi Dave

 

This was a citi loan bought by capquest. I got a letter in november 2009 telling me this. I ccad them and all was in order so I have been paying since then. I have a letter from october 2010 stating agreement is in place for 100 per month but am now paying more.

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Hi Dave

 

Okay so you cca'd them did you get it verified on here?

 

If and because it was deemed enforceable you then entered into an AFFORDABLE payment plan?

 

How much have you been paying ? and do you have proof of payment?

 

I dont suppose you recieved the letter H + L say you never responded to?

 

Provide a satisfactory proposal? ( they have one )

 

What is the balance to pay? have you thought about a f+f ?

 

I know what your answers are going to be but I still need to ask the questions. personally I would reduce the payments just to be arsy, but your probs a nicer guy / gal than me, either way I would not loose sleep over this, apart from that ignore and keep making your payments.

 

Mr.

Regards..Mr Worried :)

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so capquest are getting greedy again, simply repsond with

 

Dear greedy sods.

 

you have been recieving x amount a month but due to your demands I have now checked my financial position and I am afraid to tell you that you will be getting £10 a month until my predicament changes, if this is not suitable then I look forward to your attempts to coerce more from me.

 

PS Greed never pays, you should have been happy with what you were getting

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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PGH

 

Dave was paying a handsome ammount, yep I'd go for the Arsy approach, fire with fire.

Mr

 

 

 

so capquest are getting greedy again, simply repsond with

 

Dear greedy sods.

 

you have been recieving x amount a month but due to your demands I have now checked my financial position and I am afraid to tell you that you will be getting £10 a month until my predicament changes, if this is not suitable then I look forward to your attempts to coerce more from me.

 

PS Greed never pays, you should have been happy with what you were getting

Regards..Mr Worried :)

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Hi there

I'd go even better than that

I'd say PLEASE let it go to COURT --the amount I'm paying is already too much -- The COURT will probably reduce my payment to a token 1 GBP a month.

 

COURTS actually will give you a better deal and YOU are in charge not CAPQUEST.

 

The whole purpose of these threats is to intimidate people who have never seen CAG and are totally scared of Courts thinking they are akin to standing in the Dock at The Old Bailey.

 

Once you call their bluff you'll find most DCA's are just Wind and Pxxs as the Yorkshire saying goes.

 

Chers

jimbo

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And what i always do, is start of with a reduced offer of say £10 as PGH suggested, then every time they refuse I drop it by another £ until they either get the idea (extremely unlikely) or the yaccept before I reduce my offer to the token payments of £1 a month.

They seem to think that they are in the driving seat somehow? Clearly deluded and immature, and way too greedy for their own selfish good, until they realise that it is not them that call the shots and do the demanding the better, not content with relying on us the general public to bail out the banking industry for giving our money away to people who had no chance of ever being able to pay it back, these imbeciles seem to believe they can demand what they like, well news for them! YOU CAN'T!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just to summarise.

I did get the CCA verified

I am paying £120 pcm, I have a letter from them dated October 2010 confirmin that I was then paying £100 but it is now £120.

The only letter dated in 2009 that HL refer to is the one informing me that they have taken over the loan.

As with Citi I have never ignore any letters and always kept in touch.

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So have you been receiving statements of account, telling you how much you have paid, the total balance outstanding, and any charges or interest they have applied?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No I have not had a statement. They took the debt over in November 2009. I thought you had to send a statement every year now, is that true. As far as interest is concerned I just think they have taken the outstanding sum from Citi Financial. What do you suggest I do ?

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Have briefly read through the thread, not sure if anyone mentioned that HL are still Cr=ppy, just the the next desk along in the same WC!

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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Left and Right hand not knowing etc. comes to mind !

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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