lloyds tsb have sold debt to capquest

[kayles55]

Hi can anyone please help me, i am new on here i really need some advice.

 

Lloyds tsb sold a cc debt to capquest

 

i have had 2 letters from capquest one saying they bought the debt and

the other letter which i got recently says that i still have contacted them (which i havent)

and they can check my employment status bank account and credit file to see how im going to pay the debt.

 

Can they do this??

 

Also i checked my credit file this morning and it says capquest so they have bought it.

 

I really dont know what to do for the best, the debt is from 2007,

 

i had a payment plan in 2009 with another dca but then stopped paying them.

 

This was not on my credit file tho that still said lloyds default 2007.

 

Up untill now it says capquest default sep 2013. And there are no perivous years.

 

Does this mean the 6 years has started again??

 

Im really stressed out with this if anyone can help id be most grateful cheers.

[fkofilee]

The default date is from when the date when Lloyds TSB Issued a Default notice...

However the 6 years will be from the last payment (Including payments to DCAs...)

[dx100uk]

can we please clarify what happened with the cra entry

 

are you saying it had never shown?

 

or it doid show - then vanished [as the default date's birthday reached 6yrs and it was removed]

 

and now it is back again?

 

tell us about the debt too

 

when did you take the card out.

 

how did you get in debt with it etc etc

 

have you ever sent the dca's a cca request?

 

if Lloyds have sold it

 

that means theres something WRONG with the debt

 

PPI, PENALTY charges?

 

have you all the statements?

 

dx

[kayles55]

The debt has always been on my file from lloyds it defaulted back in 2007,

 

i was 18 when they gave me the credit card i just went into the bank to pay some money in and they gave me the card,

 

i was okay at first paying it but then back then i lost my job i didnt pay it no more

 

i tried to pay it on a payment plan with a dca i cant remember which one that was in 2009 but i struggled again so i stopped paying i havent payed since.

 

The payment plan never showed on my file it just still defaulted every month s still saying it was llloyds but

 

now capquest have bought the debt it says capquest on my file no more lloyds it just says default sep 2013

 

i cant see any of the previous years like i could before so does that mean the 6 years has started again then?

 

Should i contact capquest??

 

Thanks for your help guys!

[kayles55]

I dont have statements as it was so long ago. There was no ppi on it. What is a cca?

[dx100uk]

are you sure the date crapest has put is not just the update of the old default?

 

the orginal date should not change.

 

if the payments to the other dca are not showing

that looks like they cash cowed you and pocketed the money.

 

so forgetting those payments as they don't show

 

before that, when was your last payment direct to Lloyds?

 

you could try noddle [see below]

 

they often have the full history of the debt listed in the pulldown areas [blue arrows]

 

i'd check then as well

 

see if they have payment history.

 

dx

[dx100uk]

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

leave the payee BLANK

post the two off by 1st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.[77/78/79]

[***DELETE AS NECESSARY FOR YOUR TYPE OF ACCOUNT***

77/78 - everything bar HP agreemwnts, 79 for HP]

 

of the Consumer Credit Act 1974.

I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other [PC print yourname - do NOT sign it!]

[kayles55]

Thats what i checked this morning noodle.

 

It says capquest

date taken out was 20005,

then default date 2007.

 

But were you drop down the box to see the years there is none

all i can see is this year which has nothing on there till now where it says default.

 

Should i send the letter you recomended??

 

I thought if i ignore them they might go away

but im abit worried as these guys seem like they will take me to court.

 

Thanks again

[kayles55]

Yee the last payment would have been to lloyds before the dca in 2009 it must of been 2008 i payed lloyds i think

[dx100uk]

ok so the account will vanish on all cra file on the defaults 6th birthday.

 

that doesn't mean the account is dead though.

 

it will not be state barred until the 6th birthday from the last payment.

 

it might pay you to get another CRa file report from somewhere else

most are free for 30days as long as you don't forget to cancel.

 

i'd sit on it for now with crapest.

 

Lloyds have sold this for a reason

you need to find it.

 

i'd send Lloyds an sar to get all the statements

 

whats the balance by the way?

[kayles55]

Its 2977. Okay ill ignore capquest, whats a sar?? Thanks so much for your help!!

[renegadeimp]

Hold up. You said you were paying a dca but the account was updating as still in default. Did any of that money actually pay off the debt?

[dx100uk]

Its 2977. Okay ill ignore capquest, whats a sar?? Thanks so much for your help!!

 

click the sar

 

dx

[kayles55]

Ahhh thank you.

 

 

Ermmm im not sure if the amount of the debt changed it was so long ago

[dx100uk]

sar will hopefully tell you

 

hope they didn't pocket your money

 

dx

[kayles55]

Hi

i have been thinking about the sar

 

i have another 2 old debts with lloyds which i havent contacted them about since dec 2007 they should drop off my file dec this year,

 

i dunno whether to send a sar to lloyds about the debt they have sold to capquest as they might remember the other 2 debts which are about to be sb.

 

What should i do for the best??

 

Capquest called and txt me yesterday i have no clue were they got my number,

 

should i just speak to them to sort the debt??

 

 

As i dont want a ccj on my file, because my file will be okay in dec

but if capquest ccj me ill have that on it for another 6 years.

 

Im really worried now cheers

[dx100uk]

no never ever ring a fleecing dca.

 

get that sar in

 

get everything Lloyds hold on you

 

sounds like a bumper reclaim coming that might wipe you debts

and put money to your pocket

 

esp if the loans rolled into each other

 

dx

[kayles55]

Does it matter if they have my name wrong??

 

They spelt it right in the middle the have 3 ks then my surname

 

would that make any difference at all?

 

All the debts are seprate but i owe lloys for a loan and overdraft which should drop off my file in dec.

 

So even tho capquest own the cc debt should i still send the sar to lloyds?

 

Coz i dont want them remembering the others thanks again

[dx100uk]

sar is not an admission of debt

 

send it

 

the od if defaults drops off dec the SB is anything upto 6mts before that date typically

 

as long as you've not paid etc.

 

dx

[kayles55]

Okay thank you for your help. Do i send the sar to lloyds or capquest?? Cheers

[dx100uk]

post 17

 

always to OC original creditor, Lloyds