CapQuest resigned on account but keep processing my data

[vuk1958]

This relates to debt from 2005 with Halifax. I was battling with them for 8 months in reference to Credit Agreement which they failed to produce. In 2006 they sold account to Blair Oliver &Scott. I disputed that transfer but was told by Halifax ( letter confirmation) that they do not own account anymore and all corespondence should be addressed to BO&Scott.

I disputed BO&Scott their rights to handle this alleged debt and they simply vanish with no trace.

In 2008, out of the blue CrapQuest appears as " legitimate owner" of the debt and they tried together with their "legal guns" HL Legal Solicitors to claim debt. I disputed their rights to debt and after two months they send me letter confirming that they are " closing the account on their system".

However, when i checked my Experian file I noticed that they kept processing my data together with Default filed under their name with false amount and wrong date.

When I wrote to them thay simply sent unsigned and undated notice stating - contact original creditor. The question is - who owns it now. Halifax or BO&Scott or CapQuest. What is my next step - FOB, OFT or Courts. I find all organisations, appart from Court, fairly impotent and slow.

[PGH7447]

if carpquest claimed they are the legit owners then it is them that you need to harrass

[citizenB]

I cant see they would have sold/assigned the account to Blair Oliver Scott as they are in house DCA for Halifax. So you were being misled by Halifax

 

Anyway, as it was then apparently sold/assigned to CapQuest, it is a moot point.

 

Did CapQuest advise the account had been closed on their books in writing ? If so, you should contact them and ask them to resolve the problem regarding the information being recorded on your CR files.

 

If it were me, I would be writing to them , letting them know this is an OFFICIAL COMPLAINT. Head your letter as such. They are then obliged to respond within 8 weeks. Whereas a general letter will have no time scale. If they dont resolve the problem for you within the 8 weeks.. then the FOS will look at your complaint. Meanwhile, you should be making a complaint to the OFT in respect of both Halifax/Blair Oliver Scott and CapQuest.

[vuk1958]

I have written confirmation by CapQuest stating: We were not aware of any existing query when account was passed to us, therefore we are closing the account on our system. This is in 2008.

As previously, I do not know whether BO&Scott had control or not but Halifax stated in their letter from 2006 that " they do not have any control over the debt management" and all communication should be addressed to BO&Scott.

This is all confusing as it is unclear who sold debt to CapQuest???

Naturally, i wrote two letters to CapQuest - Recorded Delivery, second letter written as Letter befor the Claim, asking for information to deeds of assingement, default notice copy, agreement copy etc. They repplied with the sticker-not a letter, stating - Contact original creditor.

I am not interested in original creditor as CapQuest is processing my data with no control over account.

However, who to contact now. I called OFT and they state - we do not deal with individual complaints talk to Trading Standards or FOS. I did, absolutely no help there. Yes, there might be regulations and Law but very difficult to enforce it.

And, I contacted Experian - that is absolute joke. TRhey state that CapQuest is trusted source and they cannot do anything but would forward " request for information". I asked whether they would ask for default copy, agrement etc. No, they stated, we would take their statement. CRAZY, so they can state whatever they want and because they are " trusted" information stays with or without proof.