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CapQuest being reasonable?


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Hello all, I'm new here so I hope this is the correct forum for this...

 

I got into some debt with Lloyds TSB Credit Card (demanding ex, long story).

The debt was passed onto BSL that I've been paying for a number of years at £36/month

 

Recently, I got a letter from CapQuest to say they'd taken over the debt

(I also received and very fake looking letter from Lloyds TSB on the same day to say that it'd been passed over)

 

Why would BSL pass my account over to CapQuest when I'd been paying it?

 

So, I sent a letter requesting the original agreement to CapQuest (Using a template letter)

 

Today they wrote back simply saying they'd requested a copy of the original agreement from their 'client' and a copy of those will be sent to me once they have received them.

 

I wasn't expecting that.

I was expecting a letter demanding money NOW etc. etc.

 

What do I do?

Carry on with letter 2 (due to be sent on Monday) or wait and see what happens?

 

Thanks for your time.

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toxic debt probably

littered with PENALTY charges & / or PPI?

 

what dea your cra file say about 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... 

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If you were in a payment arrangement with LTSB, then CapQuest are not allowed to demand more than you were paying already.

 

 

Are there any default / penalty charges on the account that could be reclaimed. Was there any Payment Protection Insurance on the account that might have been mis sold.

 

You ask why the account has been sold when you were making the payments to LTSB. This is standard practice, banks do not like to carry delinquent accounts on their books. Once sold/assigned, they can write if off to tax and get a payment from the Debt Purchaser as well.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

I'm sorry. I didn't see the replies I had received to this thread.

I'm not sure what is meant by "default / penalty charges on the account that can be reclaimed". The only thing I suspect is the interest is building up!?

 

So, I wrote to CapQuest asking for the CCA using a letter very similar to a template letter one.

 

They wrote back not long after saying my request has been forwarded to their client, Lloyds TSB.

I wasn't expecting a reply, which was the basis for my first post. SpamHeed suggested there that I hold fire with any further communication. So I did.

 

I got a letter this morning from Lloyds TSB with an enclosed agreement.

Upon closer inspection it was for the wrong account!

I had a credit card, which is what CapQuest want to get hold of, and a loan, that I've been repaying in instalments.

They sent the agreement for the loan!!

 

They have clearly asked Lloyds TSB for the wrong agreement, despite all written communication prior to this morning's letter referring to the correct account and account number.

 

Why would Lloyds send the wrong details? Is it all they hold on me??

 

What should I do? Start again with letter one or wait for CapQuest to realise that they hold (presumably) a carbon copy of the wrong account details?

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send crapest the failure to comply letter

stop any payments

 

they've exceeded the 12+2 working days limit.

 

is this on your credit file?

 

see below

 

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... 

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cra file is free

 

yes its a very important tool with regard to how

the industry sees you financially.

 

if a debt does not show on your CRA file

i'd be starting a serious investigation as to WHY.

 

Credit Reference Agencies:Experian Equifax CallCredit noddle

 

 

Sort Your Debts Now - -

here

 

Start Your Own Thread - HERE

 

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

 

 

 

Please consider making a small donation to help keep this site running

 

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

 

DX

RIP Martin3030

rant.gif

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... 

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I had no idea there was a FREE option!!

 

Having a little trouble finding the failure to comply letter template but I'm still looking.

 

I've learned something new today. Always good.

 

Cheers. Thanks again.

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http://www.consumeractiongroup.co.uk/forum/content.php?436-Failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

Failure to comply letter in link above.

 

Default / Penalty charges are those punitive sums they add to your account for making late or missing payments usually set around £12.00.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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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... 

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hehe CB did it for me!

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... 

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HUGE thanks, citizen.

I followed the bank charges debate a few years ago and, as far as I was aware, the case was won by the banks. Basically that suggested to me that banks would no longer honour requests to have fees returned! I seem to be in the wrong again... :oops:

 

I have another interesting problem now.

After following the link to Noddle for my free credit file, my debit card is not allowing me to be identified.

I have lived at my current address for just over a year but I can't help but wonder if my debit card is still linked to my previous address! The bank write to me at my proper address, however.

 

Is there a way of finding what address my debit card is linked to. I assumed, as they were writing and sending statements to the correct address, my debit card will have followed suit.

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HUGE thanks, citizen.

I followed the bank charges debate a few years ago and, as far as I was aware, the case was won by the banks. Basically that suggested to me that banks would no longer honour requests to have fees returned! I seem to be in the wrong again... :oops:

 

I have another interesting problem now.

After following the link to Noddle for my free credit file, my debit card is not allowing me to be identified.

I have lived at my current address for just over a year but I can't help but wonder if my debit card is still linked to my previous address! The bank write to me at my proper address, however.

 

Is there a way of finding what address my debit card is linked to. I assumed, as they were writing and sending statements to the correct address, my debit card will have followed suit.

 

 

If this is a loan or credit card then the outcome of the Supreme Court hearing on bank charges will not be applicable and you can make a reclaim.

 

As for the noddle thing, dx should be able to answer that..

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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bank charges yes

all other charges

credit card

catalogue

loans

mortgages

 

all reclaimable

as well as PPI

 

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... 

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