Jump to content


capquest chasing old abbey loan


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2437 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I cant blame my partners reaction at all. Finances still tight, also paying off a further a further loan (!) - I know, I was dumped truly in it.

This has another year or so...and as you say, holiday(?) - thank goodness for the Sun Holidays! - Children....and all the rest of it! - Could be blown out the water, for mistakes made 4 years before we got together. I have made so many mistakes in the past, losing my partner would be my biggest regret.

 

I can only be thankful my partner is home tonight! - I will do my best to sort this out.....and I know full well this wouldn't be possible without this forum.

 

Sorry this should be saved for another forum shouldn't it! (Lister from Red Dwarf would say "Its a bit early for the Star Trek Cr*p isnt it!)

Link to post
Share on other sites
  • Replies 106
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi, waiting now for the sar. Have heard nothing further.

I may be being silly, but some posts seem to have gone from the thread.

Is there any reason for this, should I be doing something...or has someone taken their own posts off. Thank you, Jackson

Link to post
Share on other sites

yes sorry we had a troll

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

:???:

 

oh....that is a shame, when so many people are in need of help, and so many are willing to offer it you get some sad individuals getting kicks like this. Very Sad.

 

Was this troll named "RJW" ?

Link to post
Share on other sites
  • 1 month later...

Hi guys,

Feels like the walls are closing in on me.

Have had the SAR back from Abbey National today.

All I can say is what an absolute mess I put myself into. I am shaking typing this.....

 

Details of the loan I took out

08/02/06 - £10,000 - £148 for 60 months

a further loan that I took out 03/03/08 - for £11,000 - £218.97 for 96 months (19.9%)

 

This is why the original loan shows as cleared, because it was cleared by the above loan.

 

From the SAR it looks as though my last payment on this was,

well it looks very confusing to me,

but it appears that the last payment made on this 04/08/2008.

 

I feel such a fool, I am guessing but I cleared an o/s overdraft.

 

I am sorry to all those that have read this and offered advice based on the information that I have previously given.

It all feels like a previous life or a bad dream.

 

I have had no further contact from CAP QUEST, either by phone or mail.

 

What is scaring me to death at the moment is that Abbey will now pass my details to CAPQUEST (because of the address given on the SAR)

 

Experian had no details of this second loan AT ALLl

and still states me as clear of all debt etc. (Or nothing outstanding)....

..and no record at all of the 2nd loan at all.

 

What can I/should I do now???

 

I would be unbelievably grateful if anyone can shine a small light and help me.

 

Thank you,

 

Jackson

Link to post
Share on other sites

ok so's not SB'ed till 2014.

 

interesting you refinanced though.

in a way thats good.

 

now , did you take out PPI on either loan?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Well just got a text saying I may qualify for £xxxx because of a mis sold PPI?? Paranoia is hitting record highs.

 

It was def a refinancing loan as its indicated in the second loan. I can't remember if it was PPI, but on the terms and cons, there is a part re optional PPI and that its been taken out. Again the first loan indicates it was also taken. There are no signatures attached to the PPI, but it appears to have been taken out.

 

Thankyou Jackson.

Link to post
Share on other sites

ok well never use a reclaims co!!!

 

now

somewhere PPI must be mentoned on both loans

find that info in the SAR.

 

and i'd suggest you check a CRA file

 

noddle is free see below.

 

make SURE it lists all your addresses too.

 

sit tight.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thankyou very much. So quick to reply!

Is the Noddle report the same as an Experian Credit report, as that shows nothing outstanding.

 

Thanks and regards

 

Jackson

Link to post
Share on other sites

no prob not as good TBH

 

but i'd check TWO current CRA file's to be sure.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yet again,

thank you for your advice.

I tried to register for Noddle, but it wouldnt let me join as some of the detail(s) could not be verified. :S

I will recheck the detail, and try again.....but as you say I guess its just time to sit tight for now (for capquest to get in contact by mail)

Thanks dx. Its been another tricky night

Link to post
Share on other sites

no bother

 

just dont fall for theri fleecing tactics

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Just read a big thread you were involved with, with regard to Capquest. Should have listened on about about page 2!

Thank you very much. I dont understand these sort of things, but you have been great. You have put my mind at rest, well for a bit at least.

Cheers dx. A+

Link to post
Share on other sites

Hi, Firstly good luck with your problem, you'll get great advice from the guys on here.

 

I registered for noddle the other day and apart from being a month behind it provides the same info as the others. I wonder if the info you didn't get correct might have been addresses, if so these and the dates (as they see them) should be on your experian report if you still have it.

Also if the credit agencies don't have your current address this would explain both the failure to register and the fact that you've had nothing from capquest. May have gone to your old address.

I don't know if requesting the SAR will update your file, but if your bank has your current address then it is probably already on it.

 

Capquest like other DCS's are bullies and try all sorts of tactics, but they do have legal obligations even if they try to ignore them.

Like others have said just stick to information in writing and refuse to talk to them. If they do get in touch in writing then post the details here, and the guys will advise you what to do.

Link to post
Share on other sites
  • 1 year later...

Evening all,

 

Ouch! - Have come home tonight to find 2 letters on my door mat.

1 from Abbey -

 

Dear **********

 

We hereby give notice of the transfer of your debt due to us from you in respect of the balance as at the 29JUL 09

on you Santander formally Abbey Personal Loan account number ********************. The balance due as at the date of this letter is £19260.56

 

On 02 Sep 09 your account was sold (by way of assignment) to CapQuest Investments Limited

who has appointed one of their group companies, CapQuest Debt Recovery Limited to manage your account on their behalf.

 

Any further communications and Payments must therefore be addressed to CapQuest Debt Recovey Ltd.....

 

 

 

 

2nd from Capquest

 

 

Dear *************************

 

Account Purchased from: Santander Formerly known as Abbey

Balance £19260.56

 

This letter is to inform you that your account, reference************* has been sold to CapQuest Investments Limited who in turn have appointed CapQuest Limited to manage your account

 

 

Then it goes on about a payment plan.......this matter will not go away......if a satisfactory payment plan is not established...it will be passed to HL Legal who may commence with Legal Proceedings.

 

How to Pay......

 

CapQuest.....

 

 

 

 

Its brought it all flooding back!!!!! Horrid feeling!

 

 

 

I have not made any contact of any sort,

 

if anyone can please offer any advice, or what I should do?............Thank you. Jackson

Link to post
Share on other sites

were the 2 letter in the same env or with the same return address

nothing to fear there

that's just a std debt sale process.

 

if satans bank have sold it

 

them means its a lemon!!

 

do you really think a large world-wide company like satans wouls sell a £20k debt

if it were REALLY owed...NO!!

they'd be in court quicker than a ferret..

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Two separate envelopes.....

 

The CapQuest just has a return address of Fleet, Hampshire....but seems to want telephone contact

 

Abbey just have the registered address of Regents Place London...but requested contact with CapQuest PO Box 396 Fleet, Hampshire.

Link to post
Share on other sites

ok so not CQ trying to be satans bank then.

 

can we cONFIRM these letters are for the SECOND loan

and the first is DEF not mentioned.

 

somethings wrong here

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Oh. That doesn't sound good. :(

 

From the amounts, I can only assu,e its the second loan, I wrote just about everything on the letters

I checked Experien, nothin on there.

Link to post
Share on other sites

do the ref number of the two letter today match those you have on the satan [abbey] sar anywhere?

or do figures match

 

something smells here.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Because of the size of the alleged debt, crapquest are likely to send loads of letters.

But the truth is that unless you own your own home there is very little they can do,

although they MAY threaten all sorts of things.

 

Since you have children, I doubt they can force a sale anyway.

 

Santander have sold the debt on so they don't think they can collect, chances are nobody else can either.

 

I'd sit down and work out your income and expenditure to see if there is anything left to potentially pay them with.

 

If the answer is no then you have nothing to fear, even if it goes to court they won't order you to pay what you don't have.

 

I've been in the same situation, try not to get too upset and just update the forum if you get further contact. Loads of wiser people than me to advise you.

 

Good Luck

 

Wooks

Link to post
Share on other sites

Morning,

Thankyou for your replies.

 

The reference numbers given match those on the SAR, and the outstanding amounts match on the letters. The outstanding amounts would fit in.

.....and it is for the 2nd loan taken out.

 

Thanks

 

Jackson

Link to post
Share on other sites

right so the figures/numbers match

 

then use the sar statements and find out why they have sold such big debts.

 

PPI/Penalty charges/ dodgy dealing

 

the answer will be in the sar small print

 

also look at the comms log.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...