Letter from CapQuest re Halifax Loan

[ims21]

If it were me I would ignore it.

 

If you really feel you have to do something then send them the doorstep letter from the CAG library.

 

If they do pitch up, which is highly unlikely, you can tell them to leave and if thy refuse you call the police.

 

You are under no obligation to talk to these doorsteppers and they have no rights to demand your personal information or discuss your personal finances with you.

 

These missives are all designed to make you worry....you have the upper hand here and it is you who are in control.

[smithy70]

These are all very standard letters from capquest.

You will notice that the first one is actually all ifs and maybes.

As for the second one that is easily dealt with.

I would send this one

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

and this one

http://www.consumeractiongroup.co.uk/forum/content.php?410-LETTER-USED-WHEN-A-DCA-THREATENS-A-DOORSTEP-VISIT

[Bandit127]

If Halifax is in default of a CCA request and the OP has placed the account in dispute then Capquest shouldn't be indulging in ANY recovery activity.

 

While any communication with a new DCA is normally an invitation to turn up the volume, I might consider a simple letter to Capquest informing them of the dispute in this case.

[smithy70]

If Halifax is in default of a CCA request and the OP has placed the account in dispute then Capquest shouldn't be indulging in ANY recovery activity.

 

While any communication with a new DCA is normally an invitation to turn up the volume, I might consider a simple letter to Capquest informing them of the dispute in this case.

 

I think that is just what I said...although I am not sure if capquest yet know the account is in dispute, which is why i suggested that letter

 

On another point I notice capquest are offering you a discount. Not sure how large it is but maybe that is because either they know the debt is unenforceable OR there are a lot of reclaimable charges on there which if reclaimed would actually exceed the level of discount.

 

Overall I really would not worry about them, although I would send the letters if only because it shows you have tried to cooperate/communicate with them and it gives you more power should they try anything.

[dpick]

If they are offering a discount and they are only the agent as it would appear from their letters I would believe that the debt my have paperwork problems or they just want a payment then send the debt back to haliprats to chase the rest.

 

dpick

[Bandit127]

I think that is just what I said...although I am not sure if capquest yet know the account is in dispute, which is why i suggested that letter

 

I didn't see your link was for the dispute letter. Thanks.

 

We both agree that OP should send that to Capquest - and for the same reasons. Debts often only get passed with very basic information like balance, contact details and (sometimes) account type.

[OfW0lfAndMan]

Thanks everyone. My wife said the same about them not being able to make such a visit.

I will be sending both of the letters and will call the Police if they do turn up.

Not so worried about this now.

[AndyOrch]

Thread moved to Debt Collection Forum.

 

Regards

 

Andy

[OfW0lfAndMan]

We received this letter from Capquest today and just a little worried with the wording of it. They say as they are the legal owners of the debt they can obtain regular updates from the credit reference bureaux regarding our current financial position.

 

Are they right in saying this as I thought this information would be covered by the data protection act.

 

Any help and advice would be appreciated.

 

Edited August 7, 2013 by OfW0lfAndMan
Spelling mistake

[citizenB]

Sounds really scary doesn't it? Such power they have !! However, along with most of the DCAs and creditors, they have access via subscription to look at the accounts for which they are owed money.

 

Had they previously advised you, in the correct manner, that they had purchased this account from the original creditor ?

 

Who was the original creditor and what type of outstanding balance is there.

[OfW0lfAndMan]

The original creditor was Halifax who we have asked repeatedly to provide a CA but none has been provided. We believe this is because the account is 20 years old. This was last acknowledged in 2011. We had a letter saying they had purchased the account from Halifax and could now legally pursue it. We have also been receiving numerous phone calls but have not answered any. Only on one occasion did they leave a message. Are we correct in thinking that they cannot access all our financial information including our current bank, which is not the Halifax?

[havinastella]

My OH received EXACTLY the same letter this morning. God bless em.

[OfW0lfAndMan]

OK, guess we can 'file' it with the rest then. My bin is getting a little overwieght due to the number of capquest letters we keep feeding it.

[citizenB]

Keep a record of phone calls - these can be classed as harassment -

 

See Harrison v Link and Roberts v Bank of Scotland Plc.

[BRIGADIER2JCS]

Have you checked your credit reference files lately? If not it would be a good idea to do so.

 

When was the last payment in or out of this account and have you acknowledged liability for this in writing at any time.

 

Crapquest are chasing a lot of very old Halifax accounts many of which have been statute barred for a long time.

[OfW0lfAndMan]

A "One Time Solution!", an offer of a 30% payment to my account with every payment I make! Must end soon on the 01 September 2013!

Well this sounds great, I could do with a new three piece suite so where's the leaflet with nice, shiny furniture? Oh, one minute. My wife is saying from her bunker that it's a letter from capquest saying our account is being prepared for legal action, hence her being in the bunker. All phone calls have been added to our blocked numbers list. This is a very old, 20yrs+ account with no CA.When we wrote to Halifax asking for the CA for this account, they said they cannot provide the original CA and asked us to send them any documents we have for this account. Sorry, but we don't have anything going back that far.

 

Edited August 21, 2013 by OfW0lfAndMan
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[BRIGADIER2JCS]

:-)Me thinks it's time to hit the top ranks of Capquest Financial (mis) Management a demanding letter to Ms Helen Ashton their CEO perhaps.

 

I'll drat one if needed.

[OfW0lfAndMan]

Yes please BRIGADIER2JCS a letter would be greatly appreciated. Thank you for the help.

[BRIGADIER2JCS]

Yes please BRIGADIER2JCS a letter would be greatly appreciated. Thank you for the help.

 

Will :!:do, just finishing chores listed by she who must be obeyed (not)

[BRIGADIER2JCS]

Ok before starting clarification please.

1. When was the last payment made on this account.

2. The 2011 'acknowledgment' what form exactly did this take.

[Guest]

:-)Me thinks it's time to hit the top ranks of Capquest Financial (mis) Management a demanding letter to Ms Helen Ashton their CEO perhaps.

 

:

 

 

from their site

'We want to know how you think we are doing. If you have any thoughts or feedback, our CEO, Helen Ashton wants to hear from you.

Email Helen - Helen@capquest...'

Edited August 21, 2013 by Ford

[BRIGADIER2JCS]

I've seen some very positive responses from this approach!

[BRIGADIER2JCS]

Ah ok - I shall get onto that ASAP... thank you.

 

Good luck!

[franmc12]

Hi, i have defaulted on 2 Lloydsbank loans, Capquest has now bought the debt. They still haven't sent me a copy of my credit agreement which i requested a few weeks ago. Im not bothered about the letter that was sent to me ( which is exactly the same as the one below) but on checking Equifax i have nticed 2 new credit agreements for Lloyds have opened , obviously i haven't done this, but can someone say it could be Capquest who have done this, if so what can i do about it.

 

Thanks

Fran

[BRIGADIER2JCS]

When a debt purchaser buys an account or accounts it must amend the credit reference files to show their company details, the default date on the entry MUST be the same as the original entry.

 

There is nothing you can do about this, the original creditors entry will either be removed or will be marked settled on the date Capquest acquired the debt.