CapQuest chasing 1999 abbey Overdraft - Court Claim Received

[LilMissM]

Yeah legal costs. Should I just ignore the letter/statement?

[dx100uk]

its what they have to send you as they say

[LilMissM]

Evening good people,

 

Yesterday I received a letter from capquest saying "We are writing in relation to your SANTANDER account, with which the balance of £1327.20 remains outstanding. We note that you have yet to contact us to discuss a suitable repayment option for your account. Your account will now be managed by resolvecall, a debt collection agency who work on behalf of capquest and are also authorised and regulated by the Financial Conduct Authority."

 

It goes on to say that they specialise in visiting customers' properties etc. I also received a text message from resolvecall yesterday at 11.52am saying "Your account has been passed to us for a home visit. To prevent please visit www.myresolvecall.co.uk/?id=G9Kfpn. Thank you."

 

I don't know what to do.

 

I am a customer of Santander already and have an overdraft with them and have always found them to be very helpful when I have needed help. Would they not surely have mentioned this debt to me before now?

 

 

I don't know (I don't remember) what this debt is or when it is from or what I should do next.

 

I have read reviews about resolvecall being aggressive and abusive and not very helpful at all and I do not want people like that turning up at my front door. I have had ongoing issues with my brain since 2007 (2 brain haemorrhages, five brain surgeries, chronic daily migraine sufferer) and I just don't want the hassle of people turning up at my door. 

 

Should I get in touch with these resolvecall people by telephone? Or capquest?

 

If I genuinely do owe this money, I am not trying to get out of paying it, I just have no recollection of it at all and I do not have £1327.20 to hand to just pay it off.

 

Help  x

[dx100uk]

na couldn't be could it??

 

no dont ever call a fleecing DCA.

 

they are NOT BAILIFFS

and have 

ZERO legal powers on ANY debt - no matter what its type.

 

if the dirty mac brigade do appear at your door

film them on your phone

DO NOT ENGAGE

tell them to leave your property and never return else you'll call police 101

 

 

[LilMissM]

That looks like my post and your username @dx100uk 

rings a bell in this addled brain of mine  

 

I had totally forgotten even posting that until just now  

 

What should I do?

Will they keep knocking at my house?

 

If they will not leave and I phone the police 101 what do I say to the police?

 

I would not have thought the police would get involved with something like this.

 

Will this ever end  x

[dx100uk]

a dca is not a bailiff

theyll scuttle off.

 

now why not see if any ref number fit between the too.

to me, it's too co-incidental same OC, same DCA, almost same £'s.

 

ruddy fleecers.

 

 

 

 

[LilMissM]

"Customer Reference: zxxxxzx

 

That is the reference number on the letter from capquest.

 

I don't know how to get the reference number from the other one, I have no paperwork  

 

Should I get in touch with capquest? Or ask my bank directly seeing as how I bank with Santander?

[dx100uk]

God no ignore them!!!

 

What the beep are you scared of .not a DCA I hope!!

 

Dx

[LilMissM]

It feels like this has been going on forever! Will they just keep hassling me until I do something? How do I make this stop?

[dx100uk]

It's what DCA's do, try and scam people.

 

If you've paid nowt or not used the 'whatever' it was... send them our Statute barred letter . Kill it dead 

 

Dx

[LilMissM]

I have today received a letter from resolvecall giving me 7 days to get in touch with them and if I don't then they will arrange to visit me at my home (in line with covid restrictions).

 

I am thinking I might ring Santander and ask them if I do actually owe this money. Looking back through that old thread of mine on here, this has been going on for over 20 years  It is not going away. Or would it be worth me going to CAB and asking them to look into it? Calling at my house is not going to end well  

 

I'm thinking if I phoned Santander and asked them to look into it and tell me yes or no this is my debt. 

 

If it is my debt then do I arrange to pay it through Santander or the dca? I know what you're saying about dca's being **** (and I wouldn't argue with that right now) but this just all feels very horrible and stressful  

 

Actually, reading @dx100uk signature I will not pay these people even if I DO owe the money. That said, if I do owe this money how would I go about paying it?  

 

 

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.

[dx100uk]

throw the morality card out the window.

 

they do which is why the OC sold the debt on.

 

dx

 

 

On 27/01/2023 at 22:47, dx100uk said:

It's what DCA's do, try and scam people.

 

If you've paid nowt or not used the 'whatever' in over 6yrs... send them our Statute barred letter . Kill it dead 

 

Dx

 

[LilMissM]

Ok so don't ask Santander, don't engage with the dca just send them a Statute Barred letter? They will leave me alone then?

[dx100uk]

answer my question....

[LilMissM]

What was the question again sorry  

[dx100uk]

have you paid anything on this debt in 6yrs?

 

have you found out the original santander account number in the letters capquest have sent of recent

this i gather was an OD debt?

 

dx

 

[LilMissM]

I have not paid anything in the last six years and I do not have any paperwork regarding this. I moved house about 9 years ago so if I had paperwork it has either been lost or trashed. There is an account number on the letter from resolvecall that I received today though but it is not the same as  my account number with Santander now

[dx100uk]

forget satans bank, this has ZERO to do with them

its an old debt sold to capquest years and years ago, which is why i said look at your old court claim thread i pointed too earlier 

does it ring bells?

 

dx

 

[LilMissM]

It doesn't ring any bells I'm so sorry

 I'm not being helpful at all.

 

 

 

I just can't remember. Even reading over that old thread that I started doesn't jog anything in my memory.

 

I'm sorry, it is very frustrating, I just can't remember. I can't remember about 70% of my entire life and this debt is just like a lingering thing that just pops up every million years like groundhog day and I am back to square one. Again  

[dx100uk]

52 minutes ago, LilMissM said:

have not paid anything in the last six years and I do not have any paperwork regarding this

 

i was jut trying to clarify the above..

 

id send capuest our sb letter and staple a copy of their letter too it.

 

dx

 

[LilMissM]

Thank you @dx100uk I will get that letter sent over the weekend.

 

I have just read through all 10 pages of my original thread from 2012 - 2016 and my head has fallen off. Like, I am reading the things I have typed and responded to and queried and questions I have asked and comments I have made but it is like they are written by someone else. I do not remember writing all of that. This fiasco has been going on for YEARS! I joined this group in 2006! 

 

On the subject of my medical issues I have, to date, had 2 SAH's (2007 and 2015) and 5 brain surgeries (the last one being 2019) including a craniotomy I am diagnosed with chronic daily migraines which I have regular treatment and preventative medication for. I had 3 MRI's last year alone due to my brain issues. I have recently asked to be referred back to the neuropsychologist because I have issues with anger and and see people on fire when I am very stressed and the more stressed I get, the harder it is for me to concentrate and remember things. 

 

Let's just hope they are polite when they come knocking at my door. I can't do this, I need it done and sorted once and for all this time  x

Edited February 2, 2023 by LilMissM

[LilMissM]

SB letter sent today 

[LilMissM]

Evening good people.

 

it looks like my SB letter has had no effect.

 

I have just arrived home from work to an envelope marked Private & Confidential and inside it a card from resolvecall for my URGENT attention saying they have called today at 1pm and for me to contact their head office. 

 

What is the next stage here because the SB letter I have sent clearly hasn't had any effect  

[dx100uk]

On 25/01/2023 at 20:10, dx100uk said:

they are NOT BAILIFFS

and have 

ZERO legal powers on ANY debt - no matter what its type.

 

if the dirty mac brigade do appear at your door

film them on your phone

DO NOT ENGAGE

tell them to leave your property and never return else you'll call police 101

 

[LilMissM]

I shall do that. Thank you for the advice. Again  

 

If they persist, which I suspect they will, is there some way of making some sort of complaint? Harassment or something like that? This needs to be stopped. I can't believe they can get away with stuff like this.