CapQuest chasing 1999 abbey Overdraft - Court Claim Received

[citizenB]

lilmiss, this is bizarre because they had your previous address.. did they not.. they phoned you after you moved and you were concerned about giving them your NEW address ??

 

I will flag your thread for someone with more knowledge.. so dont do anything for the moment.

[Wooks001]

Why are they being nice after the nasty phone calls etc is my first thought.

Others can advise better but I'd ignore the letter, sounds like they need you to admit something.

[citizenB]

IMHO, I would not respond to their request. They should obtain any information from "their client"

[Old Cogger]

I have today received a letter from CapQuest as follows:

 

"Further to your recent correspondence and in order to process your communication further, we would request you provide the following information by 19th August to assist us in resolving this matter: Details of residence at time this account was opened: 30/04/1999. Your assistance would be greatly appreciated. Please note that this is not a demand but a request."

 

Surely they would already have this information? x

 

Do not contract with them at this stage, they have the necessary info or can go to the O.C. = chancers.

[dx100uk]

off and bugger me thinks!!

 

dx

[dx100uk]

in all this you have not checked your CRA file

 

please do so ASAP

 

dx

[gust]

If they are phoning this letter will do the trick - i sent it to a different DCA who wrote back and advised me that my phone number as deleted and no more calls came.

 

 

17th Febuary 2011 By recorded mail

 

removed template - dx

[LilMissM]

in all this you have not checked your CRA file

 

please do so ASAP

 

dx

 

Sorry to sound thick but what is this and how do I do it?

 

Thank you to everyone who has replied so far.

I was a bit bewildered as to why they would be asking me for information that I would presume they already had.

I am not going to respond to their letter.

I am possibly moving house sometime in September too,

should I let them know my new address when I've moved? x

[gust]

worth using noddle (callcredit) free

https://www.noddle.co.uk/

 

 

and if you want to check all 3 CRAs a £2 statutory credit report off the other 2 listed below.

 

Experian

http://www.experian.co.uk/consumer/s...ry-report.html

 

Equifax

http://www.equifax.co.uk/Products/cr...ry-report.html

 

I have found different info on all 3 of mine so for me worth looking at all 3

[LilMissM]

Noodle is asking for my card details. Is that right/safe? x

[gust]

yes its sound for ID only - will not take £££

[gust]

you can select to download it as a PDF too -. noddle only lets you see updated version if you dont log in for 30 days i think, so download your file as PDF and dont log back in as doing so resets the 30 days i think....

 

you can dispute any entries you dont recognise with them and get those removed and while you are at it make sure ALL your details are correct, even down to spelling of street names and post codes etc.

[LilMissM]

Ok I have done that. What am I looking for in particular? x

[gust]

look for defaults on there, what they are for and who put them there and when they were put there.

 

DX will tell you more im sure he is very good like that

[LilMissM]

CapQuest is on there as Default

and so is my catalogue

but I have spoken with the catalogue and I am paying that off, it's not much,

I just missed a payment because my hours had been reduced in work

and my wages weren't so good that month.

They are the only two x

[dx100uk]

side note ...catalogue, bet you have lots of PENALTY charges [£12 fees]

get reclaiming them!!

 

what does it say about the crapest debt please?

 

dx

[LilMissM]

side note ...catalogue, bet you have lots of PENALTY charges [£12 fees]

get reclaiming them!!

 

dx

 

Yes I've had £12 penalty charges and will continue to get them if I don't make the payments on time. How do I reclaim them and if I reclaim them will it mean I can't use the catalogue again once my account is up to date?

 

what does it say about the crapest debt please?

 

This is what it says about CapQuest:

 

Name **********

Address ******************* (this was my previous previous address)

Date of birth **/**/****

Account type Bank

Account number *******

Account start date 30/04/1999

Opening balance £ 1,523

Repayment frequency Monthly

Date of default 10/11/2007

Default balance £ 1,523

 

It says the was DEFAULT going back to December 2009 right up to date. There's no other information in this section on CapQuest x

[dx100uk]

reclaiming is easy

 

i'd start a new thread in the mail order cat forum

and no they wont close the account

 

as for crapest

so the debt was defaulted in 11/07 so that would have been the oc that did that

and have brought the debt

so their name now shows against it.

dx

[LilMissM]

Thank you dx100uk, I'll start the thread in the catalogue forum.

 

As for CapQuest,

what should I do now in regards to the letter they have sent me?

Why do you think they are asking me for that information? x

[renegadeimp]

I'd ignore it. They are trying one last attempt to get it before its statute barred. Remember, you need to think why nobody has been chasing it up for the last few years, and why it has a lot of charges on it.

[gust]

i sent prove it letters to PAPquest before They couldnt prove it and they asked me when i lived elsewhere and even asked me to send a copy of my driving license and proof of previous address, utility bill etc! just ignore them. totally

[renegadeimp]

Yep. Exactly what gust said. If they cannot prove it, then they cant send you anything else. Especially demanding info on where you used to live, so they can try and invent fictitious info.

[Old Cogger]

ignore them they are DCAs remember , they are scrapping the Barrel now, nearly Statute Barred their last panick to make illgotton gains out of you because they are crying that they spent pence and cannot bear to loose pence and not make £!s

[LilMissM]

Wow I can't believe they are allowed to be so underhand about things

I also cannot remember where I was living in 1999,

I would have to ask friends or family (for those who don't want to read over the whole thread,

I had a brain haemorrhage in Sept 2007 and my long term memory is fried,

my short term memory isn't far behind it either!).

 

 

I shall not respond to the letter and see what (if anything) they come back with next.

Should I inform them when I have moved house of my new address or just ignore them completely?

 

I will keep you updated on any further correspondence from them.

 

Thank you everyone for all your help and advice and guidance on this.

It was really stressing me out (my migraines have come back with a vengence recently)

but following the advice given on this website has made the process so much easier to deal with.

 

 

Thank you all xx

[gust]

when PAPquest couldnt come up with anything and then asked ME for info. I ignored as they cannot do that. That was the last i heard of them on one alleged debt.