Jump to content


CackQuest & home retail Group debt


Danny27404
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3989 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

Hello im going to cut a long story short.

 

1. Debt with home retail group

 

2. Home retail group pass debt onto cackquest

 

3. Home retail group DELETE their records from my credit file

 

4. Cackquest open a new entry with DEFAULT

 

5. Been as it is cackquest that has enterd the default should there first letter not have been to issue me with a default notice and not hello you owe us?

 

I told Experian and Equifax and there looking into it saying that cackquest should have sent me a letter. Now im only talking to a phone line operative not the guys in the basement am I right and got a good chance of having the default removed?

 

Cackquest are upset anyway because they bought the debt and have to stack it ontop of another debt that is due to be paid in 2019 with this ontop they get all their money in 2026 but they have my letters declaring severe debt and agreed that the re payments will never change :D Im paying the debt back not avoiding it please understand that. I was just wondering if I managed to avoid a Default altogether.

Link to post
Share on other sites

i would suspect HTG defaultd it when they sold it.

 

it usual for a debt to vanish whilst its purchased sometimes.

 

tell us about all your debts

 

paying a small token payment rather than leaving it to drop off might be harming you.

 

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

I am paying no interest or charges on any money I owe I got that frozen.

 

IVA or bankruptcy is not a option

 

I have planned all my finances out and a firm believer in I got myself in the mess ill get out of it.

 

Credit Files However I hate.

 

I hope to be better off one day and pay the debts back faster and move on with my life.

 

Even if HRG delete the entry for a NEW entry to be added and marked as default by a separate company

in my understanding of the procedures Cackquest have to send me a letter to back up the Default on my file.

 

Otherwise HRG issued the default 7 months ago and now im going to be harmed for 6 years 7 months. They have extended the default which I think is like a sort of punishment?

Link to post
Share on other sites

please list your debts and the owners on the CRA file and the default dates.

 

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

I'm working on a number of HRG debts at the moment Dx is correct the account will have been defaulted prior to sale, not seen one that hasn't.

 

Do you have access to archived CRA reports?

This is not a new entry just an up date of HRG's original entry.

So unless the original default date has been changed this is all in order.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

I have no archived but then maybe your right they just changed the name from home retail group to capquest. My Experian report is down until tomorrow (update of address) and my Equifax is the one im going by it does say the entry was made on November 27 2012 no payment history etc just opening with the default. I do not want to list my debts I was just after advice on this default so looks like it is legal. I will definitely post back tomorrow I can understand my Experian report much better than Equifax.

Link to post
Share on other sites

Yes Danny, this all indicates these are up dates of original entries.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

  • 4 weeks later...

Update:

 

They sent me the CCA as it was a online agreement there is no signature just my name printed.

 

I have asked them for a statement and told them that until I am satisfied of the amount i will not be making a payment

and seen as i have another account i am paying back with them with a financial hardship attached to it

they will most probably have to add it to the queue.

 

Experian and Equifax looked into the entry and said that the name has been changed as cap-quest are now in charge.

 

SO if this means they own the debt should they not have sent me a letter saying so?

 

Whilst i have been waiting for the letter to arrive i was getting calls from a Tracing Company employed by cap quest to check my details

and i refused and said they had my details sorry.

 

They told me "we will ring everyday until you do"

 

o i did reply i will add you to my call barring program sod off.

 

The calls stopped now which is good i can sleep beyond 8am on my days off.

Link to post
Share on other sites

get an SAR off to HRG

prob 90% of the bal isPENATLY charges/PPI

 

can you please list your other debts

 

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

Debts are as follows:/

 

Natwest 8,500 o/d was 7,500 Defaulted nov still arguing like mad over the default.

Capquest Egg, 1,800 defaulted 7 years ago removed from file still paying.

Capquest Homeretail Group: Default balance: £356 Capquest + HOme retail group charges added now £1108

Virgin: £103 defaulted paying in a few weeks to get default marked as (s) so thats 1 down.

 

Oh and i got a letter with 2 lines on it from cackquest we now own the debt.

Link to post
Share on other sites

try bcobs complaint on natwest if after nov 2009

CQ EGG - have you ever CCA'd CQ?

CQ argos CCA them + reclaim all the charges!!

virgin - ask for the default to be REMOVED as condition of settlement

else paying and marking as settled/satified is wothless waste of money.

 

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

try bcobs complaint on natwest if after nov 2009

CQ EGG - have you ever CCA'd CQ?

CQ argos CCA them + reclaim all the charges!!

virgin - ask for the default to be REMOVED as condition of settlement

else paying and marking as settled/satified is wothless waste of money.

 

dx

 

I looked at the bcobs for natwest.

 

what happened with natwest was i got into difficulty and i phoned and said as long as i stay in my OD but dont make any payments will i be ok to leave it and the phone operative said yes.

 

So i did

 

5 months later the accounts closed and natwest send letters asking for the lot back immediately.

 

Which they are well withing their right to do.

 

However i told them about the conversation i had with the telephone operator and they said that they will look into it..

. in the mean time i get collections harrasing me with calls and i said i will make a token payment until the matter is resolved

as by now i was getting huge charges been added on and then the DEFAULT whilst the account was being investigated.

 

Well i gave up as they said they were no longer dealing with me as i refused to make larger payments than they wanted

and that they were in no way legally obliged to take a payment from me unless its what they want.

 

I kept making and still make the token payment into the account.

 

And i get phone calls from this collection agency saying i must stop paying natwest and pay them.

 

I told them i will keep paying natwest as the debt it with them and not the DCA ( i will get name next time they ring).

 

The egg debt is 7 years old and Capquest cannot get any information for me and neither can egg

i was going to reclaim charges but cannot get the info. I tried years ago.

 

And i will ring virgin when i get home see what they can agree to.

Link to post
Share on other sites

  • 4 weeks later...

***UPDATE***

 

Natwest are re investigating and are not happy with their collections sub contractor and the way that i say they handled the case.

 

Cackquest 28 days on sent a letter saying they are still waiting for paperwork to prove i own the debt. (They sent a letter saying they own the debt a few weeks back) Here is hoping they cant find the paperwork and there stuck with the debt.

 

Virgin Agreed to remove the default for full payment.

 

Egg cannot produce any form of paperwork let alone statements to claim ppi back - What do i do here?

Link to post
Share on other sites

  • 1 month later...

Update. Natwest removed default after a letter of apology and given indefinite time to repay aslong as I pay something each week.

 

Virgin definitely removed default.

 

Cackquest bought the debt but cannot provide any paperwork and apparently home retail group have nothing to do with it.

 

So does that mean I can force Cackquest to remove the default from my credit file until they can provide the paperwork? It has been nearly 3 months now. If I can how do I do this?

 

Thanks for your help so far credit score gone from 98 to 532 what a difference this has made.

Link to post
Share on other sites

I doubt crapest put the default on

they inherited it when the brought the account

 

the OC is your target

 

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

I agree with dx it will be OCs default inherited, Capquest have been known to refer default queries to the OC.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

it would be more focused and less confusing if you split this one off the others

and create a new thread for it

 

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...