capquest . now Zinc DCA chasing sold Vanquis card debt

[Paul1973]

A couple of weeks ago I had a letter from Zinc, they had bought an old debt from Capquest (who had given up on me after ignoring them for abour 3 years) who in turn bought a debt of £600 from Vanquis Credit Cards.

 

They have started calling, I must say they are more aggressive than most DCAs. Anyway my brother took the call (I live with the parents) and just said he hadn't seen me for a while and took a telephone number from them.

 

My question being, if I did CCA them, I know it's a bit like how long is a piece of string, but what liklihood would they have of being able to come up with a credit agreement and how long do they have to find this. I have never CCAd before so its new to me.

 

Thanks in advance

[BRIGADIER2JCS]

A CCA request would be a good start, there is a good chance that the agreement will be available Vanquis have been able to produce them or a compliant recon.

[dx100uk]

zinc normally only chase lemon debts.

 

have you ever looked at your credit file [see below]

 

stay off the phone to them

 

they are not bailiffs

and have no such legal powers.

 

dx

[dx100uk]

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RIP Martin3030

[Paul1973]

Thanks DX, I checked it about 4 weeks ago, it was showing as belonging to Capquest, who have only just sold it to Zinc.

 

Capquest rang/wrote for a couple of years and gave up I think

 

Please correct me if I am wrong, they call the parents house, so if they answered the phone, can they demand the phone number is deleted from their records and never called again? I thought they may be able under the Data Protection Act but I may be wrong.