Westcott chasing late 90's credit card debt already being paid

[dx100uk]

nothing willy waving

 

dx

[hairygrape]

Many thanks DX100. I really got upset and frightened over this earlier today.

 

My current medication and cardiac conditions are affecting the way I'm thinking about this.

 

I received a phonecall earlier this evening asking for me. As usual, I asked who was calling. The idiot said "Capquest". I said

"I will communicate with you in writing only" and put the phone down.

 

So much for them giving me 5 days to contact them.

 

Seems they can't wait!

 

Thanks again

[renegadeimp]

Should have said, You do know you have just breached the DPA right?

 

Capquest used to phone me 2-3 times a day for months, until i started playing with them on the phone. Now, i just get a random text message now and again. I think their breaking point was when i started playing Britney spear's 'lucky' down the phone while i went for a shower.

[dx100uk]

hey well done HG

 

you are beginning to take control of YOUR MONEY

not letting them dictate your life

 

just always remember

 

DCA's are NOT BAILIFFS

 

they have NO SUCH LEGAL POWERS..

 

dx

[hairygrape]

Crapquest have now phoned for the third night in a row.

 

Tonight, I let the idiot go so far as to ask me some "security questions" before he continued.

 

He asked for my date of birth.

 

I told him that I'd tell him after he gave me his DOB, home address and phone number.

He said he couldn't do that.

I said goodbye.

 

This is becoming very tiresome.

 

Haven't I seen a template on CAG to the effect that I only want to be communicated with in writing?

 

Hope I'm doing ok.

 

Thanks

[dx100uk]

green library tab top left.

 

dx

[hairygrape]

Hi all

 

Having refused to discuss anything with Crapquest over the phone,

they've now sent me a letter.

 

Before they start legal proceedings,

they wish me to know that they've established there are no CCJ's registered against me.

 

They then go on to discuss the damaging effect a CCJ could have on my ability to obtain credit.

 

They point out that they are not seeking an immediate payment in full but can offer many repayment methods around my present circumstances

including "possible settlements that will save you money".

 

They've allowed a week for me to reply after which the account will "move forward to litigation"

 

Can the settlement offer be read as their willingness to offer a reduced payment to settle the account which in turn could point to their ability to recover the debt being dodgy?

 

My SAR request to Lloyds has met with no reply to date so I'm in limbo with them.

 

Might it be worthwhile sending CCA request to Crapquest with the obligatory £1 postal order to see what happens?

 

I'm back in hospital for 3 weeks later this week and I'm worrying myself sick over all this despite Crapquest's final sentence on the letter reading "Let's work on this together".

 

Many thanks

[dx100uk]

std threat-o-gram

read it carefully does not say WILL anywhere

 

its a discount letter too

 

so as before means there is something WRONG with the debt.

 

you could CCA them

 

however, i'd be more inclined to await the SAR they have 40 cal days.

 

dx

[renegadeimp]

I would also report that letter as it breaches OFT guidance. It could be seen as borderline blackmail too.

 

" We know you dont have any CCJ's, but unless you give us money, we're gonna add one."

 

Thats a specific threat and implies they will win at court when they have no clue what will happen. Yet another breach of guidance.

[hairygrape]

Thank you both very much. I'll follow your advice.

[hairygrape]

Still nothing received following my SAR request to Lloyds.

 

However, I've received a letter from HL LEGAL solicitors stating that they've been appointed by Crapquest.

 

I am to

"take notice that unless the account is paid in full or a satisfactory proposal for settlement is received"

by a date next month, court proceedings may be issued without further notice.

 

They will also add "Solicitor's Costs" and "Court Cost's" to the account balance.

 

Successful judgement against me will lead to further costs and fees being added.

 

Payment must be sent to a Crapquest address without delay or I can pay by debit card.

Interestingly, if I wish to discuss this matter,

I am not to reply to HL Legal, only to their client, Crapquest on 03339997223.

 

I've been back in hospital again and didn't manage to get the CCA request letter to Crapquest. I'll do it over the next day or two.

 

I would really be grateful for further assistance now as to what I should do next. I find solicitor's letters frightening.

 

Many thanks

[dx100uk]

std threat-o-gram

 

did that sar arrive?

 

dx

[hairygrape]

No, I'm still waiting dx

[dx100uk]

gone 40 days?

 

dx

[hairygrape]

About 36 days

[new-me2010]

lloyds sent me confirmation that they had received my request

[hairygrape]

I've heard nothing from them. Still waiting!

[hairygrape]

I'm still waiting for the SAR from Lloyds, however there have been further curious developments.

 

My CCA request to Crapquest has been returned to me

- not a copy

- along with my £1 PO by Lloyds Bank from an address in Scotland.

 

The letter states that they cannot trace the account from the reference I provided in the CCA letter

(this 10 digit reference was a number allocated by Crapquest).

 

Lloyds want me to provide a 16 digit account number,

full current address details including previous addresses,

date of birth and date the account was opened!

 

Furthermore, they inform me that s78 only applies during the lifetime of an agreement

and if the account has been paid in full, there would no longer be a regulated agreement between us.

In this event, they would be unable to provide any documentation.

 

Right now, I don't know my next best move.

 

Crapquest informed me they were sending my request to Lloyds and this appears to be the result.

 

Should I send the failure to comply letter to Crapquest

since they have had the 12+2 days to reply and have not done so,

even though they gave themselves 24 days to reply?

 

If I provided the requested details to Lloyds,

surely I'd be shooting myself in the foot as they should be able to trace the account.

 

I am likely to hear from Crapquest again since they've clearly passed my letter to Lloyds?

I'd be grateful for an opinion.

 

Many thanks

[dx100uk]

if crapest have failed , they've failed.

 

send the failure to comply letter

and inc a copy of the lloyds letter.

 

that way its up to THEM to find the details not you.

 

dx

[hairygrape]

Thanks dx100uk. I'll do as you suggest.