Ind bought my debt [HBOS/LLOYDS] Credit card Debt

[exasperated]

ello,

I had a debt with HBOS which despite several requests for a correct CCA they never delivered as they could not supply me with a CCA I refused to pay.

I have not heard anything for 18 months

then despite having moved three times IND delivered a demand to an address where I have recently moved.

I dont know how they got the address as it is not my house so a few questions if anyone can help.......

1) Will my credit affect this household if IND know im here?

2) Any advice on the letters they sent below:

Kind Regards

Exasp

 

 

 

 

Ind Letters.pdf

[Sidewinder]

Don't try and bluff IND - they are sharks and WILL issue proceedings unless you stop them now. They ignore the fact that the OC may not have complied with a CCA request, so you need to send another request to them ASAP.

[exasperated]

Hi

Thanks for the reply, should I send it from this address as its not mine and the person I am living with does not know of my debt history so will it affect it?

CCA request

[the ghost of thain]

UPDATE ON IND (THEY ARE VERY ACTIVE AT THE MOMENT PURCHASING UNENFORCEABLE DEBTS TRYING IT ON (1)LBA --

(2) THEN STRAIGHT TO COURT

there is a thread on CAG called who are IND ? .... very interesting

what haVe we got on IND ?

three phone numbers for a start

0845 670 4453

0845 670 4454

08708 101010

may i know quote from information freely available on the internet

"Gresham’s unique approach and management qualities coupled with its experience and contacts in the debt purchase and collection sector were key to our partnership. With their backing, we will be able to accelerate the growth of the business significantly.

David Ivtsan

IND Ltd."

may i now further quote

"Investment Overview

IND is an innovative debt purchase and debt collection Business which focuses on both acquiring debts and entering into joint venture arrangements with clients to collect underperforming consumer debt portfolios.

Why we liked it

IND has developed an innovative business model well suited to the current economic environment.

Gresham has significant experience in the debt purchase and collection sector with previously successful investments including Ultimate Business Solutions and 1st credit In the most recent case, we were able to help increase 1st Credit revenue by 400% in 18 months.

How are we helping?

Gresham provided 100% of the funding to complete the transaction. The investment, together with our extensive industry credentials, will be used to support IND’s growth.

Gresham contacts:

interesting reading here

http://www.consumeractiongroup.co.uk/forum/showthread.php?313240-IND-acquires-three-debt-portfolios&highlight=ind

[Libertejustice]

Who are IND?

Mr David Ivtsan has 17 company director or secretary appointments.

The Companies House unique ID for this individual is 907451881

The DOB registered at Companies House was 29/04/1954

(Short name - David Ivtsan)

 

Company Company Status

EQUUS FINANCIAL LIMITED Active

IND LEGAL LIMITED Active

I. N. D. LIMITED Active

I. N. D. HOLDINGS LIMITED Active

SPIRITEL NETWORKS LIMITED Active

WJS SERVICES LIMITED Active

NETWORKS DIRECT LIMITED Active

NDNET LIMITED Dissolved

ISDN WAREHOUSE LIMITED Dissolved

WISE IVTSAN LIMITED Dissolved

EPICSHIRE LIMITED Dissolved

QUASAR-REX LIMITED Dissolved

TIME DOUBLE X LIMITED Dissolved

ISDEAN LIMITED Dissolved

QUALITY MARKETING SERVICES LIMITED Dissolved

REX CENTRE LIMITED Dissolved

AEROWHEEL LIMITED Dissolved

 

The links above will take you to our Company Check website for further information on each company.

WE NEED YOUR SUPPORT

To improve this website and add more data we need to spread the word.

Please click the +1 button below to help us and in we can add more company director information.

 

 

EQUUS FINANCIAL LIMITED

Position: Director - updated at 9:03pm 16/08/2011

Company Status: Active

Director Address:

25 Harley Street

London

United Kingdom

W1G 9BR

Company Address:

25 HARLEY STREET

LONDON

W1G 9BR

GB

 

 

 

IND LEGAL LIMITED

Position: Director - updated at 9:03pm 16/08/2011

Company Status: Active

Director Address:

Rowley Farm

Rowley Lane

Borehamwood

Hertfordshire

WD6 5PE

Company Address:

EDELMAN HOUSE, 1238 HIGH ROAD

WHETSTONE

LONDON

N20 0LH

GB

[exasperated]

Hello

Ive managed to erase the majority of my debts since 2006 apart from a few bits and a sizeable debt to Bank of Scotland (credit card)

who were not willing to accept a reduced settlement.

I have had a few debt collecting agencies chasing this debt and I sent out the standard letter explaing that this debt is in dispute due to no CCA.

All have gone away apart from Capquest who insist they have purchased the debt via LLoyds bank who purchased it from the original creditor BOS.

I am aware that if Capquest do not own the debt they have no powers of enforcement and although sending the 'scotcall boys' out will not bear no fruit

they do so making it as messy as possible for you with your neighbours etc.

Can anyone clarify how I can find out if Capquest have bought the debt and how long is it from when a debt is statutory barred.

Is it 6 years from the last payment ?

Any help appreciated as I know scotcall have been in my area harassing someone else so a visit is probably imminent.

[ims21]

You could look at your credit file to see a) of the debt is listed and b) who the owner is.

 

Did you get a notice of assignment when the debt was allegedly sold by Lloyds to Capquest?

 

The time for SB is 6 years from last payment or acknowledgement in writing (in England and Wales) but 5 if you are in Scotland.

[exasperated]

Thanks for the reply.

 

I have no record of a notice of assignment but many months ago Capquest did stae that Lloyds had bought the debt from BOS and they had purchased it from them.

 

That said so did the previous 2 or 3 DCA's.

 

The complication is they have a correspondence address and the person whose door they will be knocking on will be frightened to death if Im not around.

 

Could you clarify...

1)Just so im sure what legal powers will Scotcall or other door knockers have if Capquest do own it?

 

2)Ill have to order my credit file can you remind me how do i do this?

[BRIGADIER2JCS]

Seems from what you say CapQuest have told you that they have purchased the debt, my guess is what you have received from CQ is the Notice of Assignment.

 

That is all they need to do.

 

As ims has said check CRA files best to use 2 of the three main agencies.

[dx100uk]

listed below

 

dx

[BRIGADIER2JCS]

Door knockers have no authority whatsoever, invite them to leave or be removed with police intervention if necessary.

[exasperated]

Thanks Brig/Dx

When you say use 2 of the 3 main agencies do you mean obtain reports from 2 of them i.e Experian,noodle and why so/

Regards

[ims21]

Because not all companies report to all of the agencies

[BRIGADIER2JCS]

Noddle uses 2nd hand data from its parent Call Credit and is often out of or not up to date.

 

Some creditors do not report to all CRAs or use different one for different financial products.

[exasperated]

Much thanks

Finally I have wriiten to capquest recently and told them the account is in dispute and return it to the original creditor, however if capquest own the debt presumably then the 'account in dispute' status still applies to them.

I want to protect myself legally from them as I have never been supplied a CCA relating to this account so what should my next step be with capquest, is their a template letter?

[BRIGADIER2JCS]

The 'dispute' a debtor considers exists, in the eyes of the creditor may no therefore the have sold the debt on.

You will need to raise any dispute afresh with Capquest.

[dx100uk]

is this the one already sold to IND?

 

dx

[exasperated]

DX

When you say sold to ind, what does that mean

It appears that Capquest have purchased this account as it listed as the lender and they have registered a default recently.

do i need to send a cca request to them and is their a template letter for changing over from BOS to LLoyds to Capquest/

Your help would be appreciated

Regards

[dx100uk]

is this the same debt please:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?319108-Ind-bought-my-debt-BOS-LLOYDS-Credit-card

 

dx

[exasperated]

DX

How did you do that? That was september 2011- amazing

No that debt is still there along with two other creditors whom accepted partial settlements but are still logging defaults.

Does the same letter on that thread apply here?

[dx100uk]

you just click your username

ive already merged you 50+ threads into one about each of your debts.

shame you part settled...waste of money as you are finding out!!

I doubt CQ have defaulted you would have been the OC before they sold it?

can you not just send a cca request to CQ

that will give them your new address.

dx

[BRIGADIER2JCS]

Yes CCA request is a good idea use the template from the CAG library, £1 statutory fee, use cheque or postal order marked 'for statutory fee only'.

The assignment/sale of the account would appear to be in order. I do not think there is anything to challenge on this.

[exasperated]

Many thanks for your assistance, we all appreciate it.

Yes it appears part settlement is a waste of money if they are still going to register defaults against your name.

[BRIGADIER2JCS]

Good to go!!

[exasperated]

Brigs

On its way, thanks again