Crapquest-litigation-bailiffs.

[snookerglen8]

hi all,

 

I'm unemployed claiming JSA,

I owe Cap One £438.

 

I've just arranged payment plans for 2 priority debts-rent arreas and electricity which amount to £800.

I cant afford to pay out anymore.

 

I have written to crapquest on several occasions explaining this to them(by recorded delivery which they received and signed for).

 

The letter i got off them today is the"LETTER BEFORE ACTION".

They have given me a chance to make a final payment of £311 to end the matter.

If i dont contact them before 19th Jan to discuss the account they will start litigation proceedings which will mean solicitors, court action and bailiffs.

 

How do i deal with this matter.

Is their threats a lot of hot air to make me pay up or do i take this seriously.

Are they known to actually use bailiffs.

I cant even offer a token payment of £1/month at the moment.

[dx100uk]

is this debt on your CRA file?

 

i bet not as they've offered a discount?

 

dont fall foul of their threat-o-grams

 

look carefully

their letters say:

might,mayl.could.should.intend.instructed etc etc

they NEVER say WILL.

 

they ARE NOT BAILIFFS

 

it would have to go to court

a ccj be given

and

for you to fail the CCJ

for ANY bailiffs to EVER get involved

 

and that is a VERY VERY long process

and certain not woth it for £500!

 

they are spoofing you.

 

dx

[snookerglen8]

thxs dx, please jog my memory (CRA) means? They have actually used the word "will". Here is the text they use:- "failure to contact us by date stated will mean your account will be progressed through our pre-litigation system. Your account will then be passed to our solicitor for legal action". Then they go on and explain about seeking an Order of the Court, Warrant of Execution and what the bailiffs will do etc.

[silverfox1961]

thxs dx, please jog my memory (CRA) means? They have actually used the word "will". Here is the text they use:- "failure to contact us by date stated will mean your account will be progressed through our pre-litigation system. Your account will then be passed to our solicitor for legal action". Then they go on and explain about seeking an Order of the Court, Warrant of Execution and what the bailiffs will do etc.

 

Ah, but you have to read it in its context. What is pre-litigation? The same as pre-school or their pre-pubescent behaviour.

Remember, they have to do all the paperwork and the chasing. Capquest don't (normally) do court for such small amounts

[dx100uk]

cra - look in my sig below this or any of my posts

 

dx

[theghost]

What they will do is a lot of internal stuff, what they may do is take you to court. They would be stupid to commit to using words like 'will' for court action as most of the time they wont be going to court. The letter you got is probably mass produced with maybe some customisation for your specific purposes.

 

If you are accepting the debt and making an offer to pay, CQ can either accept token payments or just take you to court. what they probably shouldnt be doing is continually sending you threatening letters - they should do one or the other if you are claiming you cannot pay and have amde it clear to them.

[havinastella]

Have you any charges on this account!

 

If so, reclaim the charges with compound interest and Stat interest and this debt will disappear!

 

JOgs

[dx100uk]

use their purchase rate

you cant use stat int till it goes to the FOS or you file for court.