capquest default

[getsmart]

hi everbody

 

2 days ago i decide to do a free credit check with noodle

 

i found out that i have a default on my file from 31/1/2013 that i know nothing about for 164 pounds

not sure which template letter to send out first to found out who owns this debt,

i know not to contact them by phone

 

any help would be greatly appreciated

 

sorry if posted in wrong section its been

 

alwhile since i have been on here and i am rusty

[dx100uk]

should say what type of account it was

 

looks like they have brought the account though

and prob had the default name changed to theirs

 

though for jan 2013 thats a bit quick

 

sure its not an update

 

what does the defaulted date of the debt history say?

 

dx

[getsmart]

2010

 

but doesnt state what it is only says on my noddle account it is default on bank but i only ever add 2 bank accounts

and they have never been defaulted

 

just receive a letter today from a company called dvsl stating they are trying to reestablish contact with the person

they have on there records and for me to give them a call quick google search brings up that they are capquest

 

i wish to nip this problem in the butt straight away

 

so any help would be appreciated by the way i wont be calling anybody

[dx100uk]

send then a CCA request

 

 

The Loan Company

 

Company House,

 

Church Street,

 

Newtown,

 

Kent,

 

R1 7HG

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 4563210025897412

 

 

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

dx