Letter from CapQuest re Halifax Loan

[OfW0lfAndMan]

I have received the attached letter from Robinson Ways 'solicitors' threatening me with possible court action. What letter do I need to send them in reply?

 

Edited May 26, 2012 by OfW0lfAndMan
Letter is not large enough to read.

[OfW0lfAndMan]

Sorry, here's the link to the letter.

http://tiny.cc/8q4wew

[maroondevo52]

What was the debt, a bit of history would help

[debbbbsy]

Can't find the letter you want-Look here

 

Here is the link to the letter templates. How you respond to this standard threatogram depends entirely on how you have dealt with this previously.

Have you CCA'd RW ?

Is the account in dispute ?

You will need to give a bit more info.

Debbie xx

[42man]

It is quite a common occurence that Robinson Way attempt to send out county court claims for statute barred debts. Is there any chance that this alleged debt may be statute barred ?

[Bazooka Boo]

Yes agreed, a very standard pathetic letter these clowns have their computer print off in the hope of conning money off people who owe nothing.

 

Love how they continue to tell debtors to take out more debt and use a credit card to pay off what they claim is owed.

 

Much more info is needed to put this baby to bed....

[OfW0lfAndMan]

Afternoon all.

Got this from Cr*pQuest today. have to admit I've never seen one like this before. it relates to a Halifax loan which has been in dispute for quite a while now.

 

Thought you'd like a read. I'd like to ask about the statement in the box at the bottom of the letter. How can they say this if they have no power to collect this disputed debt in the UK?

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/d62c84ef.jpg

[dx100uk]

depends if they own t he debt or not.

 

however, i've had loads of that letter.

 

safe to ignore

 

its just a phishing trip

 

dx

[BRIGADIER2JCS]

Sounds Like Desparation from Crapquest.

The statement in the box relates to the Juridiction of Courts and the laws appropriate here as opposed in particular in Scotland where prodeures and law vary quite considerably. eg Limitatios 6 years England & Wales 5 years in Scotland nothing dramatic.

[Jam_Buttie]

Bog standard letter from CrapFest.

 

My bin has had several of these over the years..

[Bandit127]

People with 3 CCJs have received this letter... And had a bit of a laugh at Capquest's level of "due diligence".

 

Threat-o-gram. Bin.

[Jam_Buttie]

The first few lines of your reply should be..

 

"My budgies thank you for your letter - they shredded it and are now using it as nesting material.."

[Jam_Buttie]

Have you had the "helpful" letter from Marcus Butterworth yet..?

[OfW0lfAndMan]

No letter from "Mr Butterworth" yet. Another one to look forward to.

Edited September 3, 2012 by OfW0lfAndMan
Info left out

[Bazooka Boo]

"Lets work on this together"

 

Er? No ta, why would I want to work with uneducated conmen?

[OfW0lfAndMan]

I received this letter yesterday. Am I right in sending a CCA request to them?

It relates to a Halifax loan. Can they put theses costs onto the balance of the account?

I have no intention of giving them anything, other than what they deserve that is.

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/c6757224.jpg

Edited September 15, 2012 by OfW0lfAndMan
Info not removed from original letter

[Bandit127]

Please remove your name from the letter. It says "Dear Mr XXXXX"

 

This looks like a standard "hello" letter designed to make you think they are applying for a CCJ. Those costs will only get applied of they do.

 

Have you been paying Halifax?

 

A CCA request might be useful - it depends when was the account started - was it before April 2007?

[BRIGADIER2JCS]

It is just amother threat, ''look how much more you will have to pay if you don't do as you are told right now''

 

These cost are IF they issue a court claim, get the CCA request done.

[Old Cogger]

H.L. Letter for hire @ 75p, note do not contact us but Capquest in response. Note the Mays etc. seen these many times on here and O.Hs and myself over the years.

[OfW0lfAndMan]

I changed the letter as soon as I realised my name was on it. Will get the CCA letter sent. Honestly can't remember when the loan was originally taken out. No intention of paying anybody anything.

Edited September 15, 2012 by OfW0lfAndMan
Add to reply.

[drop47]

Well if it is a legally owed and enforceable debt then refusing to pay could land you in all sorts of trouble. Of course if there are charges you can reclaim or if it is pre 2007 and is unenforceable then that's a different story.

[OfW0lfAndMan]

I got this letter today and it's got me worried. Is this allowed, can CapQuest do this? This isn't helping my depression, which I find hard to cpe with at the best of times.

 

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/Capquest1310_zps18ae6009.jpg

[ims21]

Can you give us the history of all this please.

[ims21]

Capquest state that Halifax is their client so they are collecting on behalf of Halifax.

 

So Capquest cannot take Legal Action against you. If Halifax still own this loan then only they can do that.

[OfW0lfAndMan]

Further to the above I have received this letter today from CapQuest. This is a loan from the Halifax for which no CCA has been provided, despite me requesting one. It is in serious dispute. Can they do this? I have been unemployed almost 2 months so in no position to be able to make any payment offer. Needless to say this has got me very worried

 

http://i5.photobucket.com/albums/y157/jamesthecat/CAG%20letters/CapQuest01NOV12_zps8c8df873.jpg