Jump to content

 

BankFodder BankFodder


toonlee

capquest - old sky/monument/BC credit card

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2266 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

You could ring the origanal crediter they might send you a brake down of charges for free or email them to ye

Share this post


Link to post
Share on other sites

sorry no. make a formal sar request for all the account details.

 

dx


..

Share this post


Link to post
Share on other sites

I have over the years but you are better sending a SAR.

Share this post


Link to post
Share on other sites

When were these payments made.


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:

Share this post


Link to post
Share on other sites

The original debt was with sky credit card which from the information on cca was supplyed by mounument

and in small print it says supplyed by barclaycard.

 

I dont know if they put chsrges on but capquest deffo have.

 

I wss originally paying them through payplan.

 

Then lost job so paid them pound a month and for bout last year a fiver a month

but balance has gone up by bout £500 ,

but cant be sure as paper work got damaged.

 

Will have look though tom see if any else where in house.

Share this post


Link to post
Share on other sites

crapest will always inflate a credit card debt with interest

they claim they can

because it was on the org agreement.

 

pers i'd sar monument or even bc themselves

 

I bet these payments you were making never went off the debt to them

just directly to the dca profit pocket

to enable them to send another 1000'000 fleecing letters

to others that have no idea if they actually LEGALLY owe them any money at all.

 

per i'd stop paying them and force their hand

it cant harm you.

 

they'll know your new address from the cca request

 

dx


..

Share this post


Link to post
Share on other sites

how do i find out who actually legally owns the debt?

 

would this not be easier than having to send several sars.

 

was that stuff wrote earlier about no court action within 6 years not true?

Share this post


Link to post
Share on other sites

sar BC

 

forget the court stuff for now

 

dx

  • Confused 1

..

Share this post


Link to post
Share on other sites

Sorry my mistake my wife pointed out its Barclays bank plc not Barclay card(really need new glasses). do I send SAR to their address on CCA?

Share this post


Link to post
Share on other sites
Sorry my mistake my wife pointed out its Barclays bank plc not Barclay card(really need new glasses). do I send SAR to their address on CCA?

To the Data Controller Barclays Bank Plc at the HO address.

  • Confused 1

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:

Share this post


Link to post
Share on other sites

ok thanks will get on to it tom after work.

Share this post


Link to post
Share on other sites

Been over week since sent SARS and 20 days since payment was due to capquest and been inundated with mobile phone calls and home number. would like to know how they got land line as ex-directory. Have just ignored there calls so far. Strange had not letters usually daily when I was later before. will post update when I receive SARS back .

Share this post


Link to post
Share on other sites

SAR time scale is 40 calendar days.

 

All ex directory means is that it is not shown in the BT phone book, any time you have given the number to any sort of business, it's likely to be passed on to other companies and organisations.

 

 

 

 

 

 

24

Edited by BRIGADIER2JCS

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:

Share this post


Link to post
Share on other sites

Hi finally received SARS back from Barclays.

 

just a big pile of computer print outs

 

. Didn't see anything on there about bank charges only thing I could make head or tails of was.

 

sold via Kirkby debt sale

a dmi was placed

it was too old- unenforceable

unenforceable - no historics orc/offs- sold

the currant balance obtained from capquest

letter 67 + docs sent to ch via capquest

 

all the other information in over 300 pages is some sort code regarding the account I can't fathom it.

 

Any Ideas?

 

do I now SAR capquest they keep phoning but still not one letter,

use to be loads of letters when I missed payment previously.

 

Still not paid anything more.

 

Whats my next move?

Share this post


Link to post
Share on other sites

credit card statements is what you want.

 

dx


..

Share this post


Link to post
Share on other sites

thats all there was it a long print out.

 

What next SAR capquest see if they put charges on?

Share this post


Link to post
Share on other sites

so you have not got the statements of this credit card in the sar

 

dx


..

Share this post


Link to post
Share on other sites

like I said it just one big long computer print out with lots of abbreviations and number codes relating to account status and updates no statement or anything I cannot make head nor tall of it apart from the extract listed. there is no key code or anything to explain what numbers or abbreviations mean.

Share this post


Link to post
Share on other sites

Trouble is that the SAR is a request for your DATA but there is no requirement that the bank supplies the data in any specific form.

 

Having said that, if they use codes, they should supply you with a Key for you to work with. Perhaps a visit to the branch so the staff there could enlighten you.

 

Also, go through the data carefully and see if you can find any recurring charges of £20 or £12 when you recall the a/c was Out of Order but before it was Defaulted or sold.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Will gi through again tom. Might also sar capquest as i think they have added loads of charges on. Still think it strange not had any threatining letters from them.

Share this post


Link to post
Share on other sites

Ooh Yess !!

 

If Capquest have added any of their own penalty charges, make sure you reclaim them in full, maybe also compound interest on top.

 

That's what you can do with all BC's penalty charges.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

Sorry not updated in a while had a terrible time recently.

 

I went through all of the print out and cant find any charges on there to reclaim. only useful thing was about the debt being sold to cap quest.

 

Was going to SAR them to see what charges they have added, the phone calls stopped then out of the blue I received a letter from capquest saying they were passing debt on to Debt managers (services) LTD as they had failed to contact me despite loads of attemps.

 

I then got a letter yesterday from said company stating the account has been refereed to themselves for immediate collection, with a new balance of £4369.07 over a grand more than capquest were wanting.

I have not paid capquest since I sent the sars.

 

My questions are

1. who do I sar now or do I force new company to prove they are legally entitled to the debt?

 

2. Should I just accept they want all the money and I am just going to have to pay them over a long period of time or should I negotiate a final figure over a set number of years?

 

3. If I do sar one of them how do I go about having the charges removed?

 

Sorry again for the delay in updating I recently lost my job and had to start working for an agency been a bit hectic.:roll:

Share this post


Link to post
Share on other sites

Hi Toonlee,

 

If you think Capquest added any charges to the a/c, you should send them a SAR with the £10 fee.

 

You need to try and reconcile the debt amount with the payments that you know you've made, to ensure all the pay'ts have been credited to reduce the balance.

 

On the last page, you said a copy of the credit agreement has already been supplied to you, so asking the new debt owner for it is probably a waste of the £1 CCA Request fee.

 

:-)


We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...