Capquest closes account.

[swanbi]

I sent capquest cca and account in dispute letters in regard to capital one credit card.They replied we are unable to comment on the dispute you have raised as this was prior to our involvment and at the time the account was passed to us we were unaware of any existing query. Therefore we are closing the account on our system. Does this mean that the account will revert back to capital one?

Thanks.

[jimbo45]

Hi there

DCA's etc are like Cockroaches -- after getting rid of one infestation others creep in.

 

However getting Cr@pquest off your back is a great start. Don't worry / stress anymore until you get further letters - which you might not in any case.

 

YOU are now in control so don't create problems by worrying about "Whose next". If it happens Caggers will sort you out.

 

Meanwhile enjoy a nice stiff one at your Local courtesy of CQ.

 

Cheers

jimbo

[dpick]

Hi if/when another roach appears send the bemused letter enclosing a copy of crapquest's we don't want it letter

 

dpick

[swanbi]

Thanks jimbo and dpick. what is bemused letter?

 

Cheers Swanbi

[dpick]

Send the bilge crawlers this

 

ACCOUNT IN DISPUTE

 

Your Reference:

Client reference:

 

 

Dear Sir or Madam,

 

I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with DCA/OC and has been since Date

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

 

As DCA is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to DCA/OC for resolution of these defaults and breaches, as DCA/OC cannot lawfully pursue any enforcement activities.

 

If DCA/OC chooses to ignore this dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office and Financial Ombudsman Service.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

Yours faithfully

Print name do not sign

[swanbi]

Thanks dpick, will do.

 

swanbi.

[alfwithhair]

If crapquest were only Crap One's agents, then the account will be returned to them.

If crapquest are the owners (ie have bought the debt) then it will go in a holding tank with all the other useless accounts they have no paperwork for and then sold as part of a job lot to the likes of Wetcloths, Lowells or Muck Hall

[swanbi]

Thanks for all the replies.

[NailPost]

If Capquest were simply agents for Cap1 then their required action was to pass your request onto them. If they have simply closed the acount it may well be because they know damn well that Cap1 don't have the required paperwork either. Sending the CCA request to Cap1 and seeing them default would prevent these leeches from passing on the account to anyone else. If they did they would leave themselves wide open to complaint.

[swanbi]

Thanks nailpost, how would cap1 be in default?

[alfwithhair]

If they failed to respond fully to your CCA request they would have defaulted on your request

Crappy should of contacted Crap One for the agreement when you asked, so by closing the account it sounds as though they are not wasting any more time with the account.

 

Are Crappys just agents or have they purchased the debt

Who did you send the CCA request to, CrapQuest or Crap One

[swanbi]

I sent cca and aid letters to capquest. I am not sure whether they are agents or own debt. Will find out soon enough I imagine.

[alfwithhair]

If they have purchased the debt you should have been advised by Crapquest or Crapone abbout the sale

 

You can usual tell by the tone of the letters, does crappy say

'we act as agents' or refer to 'our clients''

[swanbi]

Letters say 'our clients'. Is it right to say dca's sometimes work as agents only and have not bought debt.

[alfwithhair]

Correct. Your account will be passed back to Crap One who will then enlist the services of some other pondlife to pester you for payment.

You will have to wait and see who is next off the threat o gram machine

[swanbi]

Hi All, As expected cap 1 have written saying your account is no longer being managed by dca who were acting on our behalf. Should I now send cca request to cap 1?

 

Thanks Swanbi.

[count orlok]

No need they know the account is in dispute until they can find the CCA. As alf said all you need to do now is wait untill the next (lower down the pecking order) DCA pops up, then just see them off with account in dispute letter.

[swanbi]

Thanks guys.