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capquest . now Zinc DCA chasing sold Vanquis card debt


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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

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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.

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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

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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DX

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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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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.

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