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Lloyds CC now with Capquest - Claim Forms Received


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hi everyone, Looks like a great site. Please read and advise. I've tried to keep it simple.

 

Lloyds CC taken out in Dec 2005

Amount owing to Lloyd CC = £14'252

Last payment made to Lloyds = April 2009

Default notice from lloyds = July 2009

Sent CCA and SAR = August 2009

They never replied and the whole thing was forgotten about for a while.

No PPI

various DCA's attempted to extort me, but I informed them the matter was in dispute (i.e. no CCA or SAR), so back off - or else.

Now CrapQuest (and Lloyds), have written saying CQ own the debt.

CQ have entered a Default notice on my Credit File for Sept 2013 with the balance history from Sept 2013.

All Lloyds info has now disappeared.

They say they are the "data controllers" for my personal information and if I wish to view this info, then send £10.

My questions are:

 

So far I have not replied to CrapQuest.

Should I ignore?

Should I inform them about the original failure to supply CCA and SAR?

Also, I have moved address. Do I give them my new address?

What's my next move?

 

Many, Many thanks in advance.

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cca certainly.

 

you migt find this thread worth reading first

dependent upon where you are in the letter chain.

 

if Crapest have bought it

 

there must be info

 

for lloyds to sell a £14k there is something VERY wrong with the debt.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?402872-Capquest-amp-very-old-Lloyds-debt(1-Viewing)-nbsp

 

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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Thanks for the fast response dx100uk.

 

Please correct me if I'm misguided,

 

but if Lloyds have failed to send me my original request for a CCA

and SAR (both sent recorded delivery and proof of delivery received),

doesn't that mean the only way this "debt" can be enforced is via the court (the term "out of time" rings a bell).

 

Do I really need to send CQ a CCA when I've already done it with the original lender.

 

Also, by replying to CQ, this is only confirming my address and starting a fresh game of letter tennis.

 

Have followed your CAG links - very informative, thank you.

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I am in pretty much the same position as you bigMman, did SAR and CCA request with Hfax, only blank t&c's supplied, £10k debt passed to various agencies for threats/collection and now landed with Crapquest's thereat of court action within next 14 days.

 

Very interested to see what the next move/option is.

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Thanks for the fast response dx100uk.

 

Please correct me if I'm misguided, but if Lloyds have failed to send me my original request for a CCA and SAR (both sent recorded delivery and proof of delivery received), doesn't that mean the only way this "debt" can be enforced is via the court (the term "out of time" rings a bell). Do I really need to send CQ a CCA when I've already done it with the original lender. Also, by replying to CQ, this is only confirming my address and starting a fresh game of letter tennis.

 

Have followed your CAG links - very informative, thank you.

 

you need to nail your colours to your flagpole

 

crapest have sent out loads of these speculative letters

hoping to find mugs to fleece

 

send the cca to them.

 

then that will end the issue if they don't find it.

 

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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sadly no

 

but I suspect it would have been the OC that defaulted the debt no CQ

 

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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AS DX says - send CCA to crapquest and see what comes along - would bet nowt - would have been bought as a job lot for pennies without paperwork. Will need to get in touch with the OC who couldn't find it in the first place.

 

Crapquest just hoping to snare some innocent.

 

Intend

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when is the 'date of default'. when sold, new owner can update to be in their name but original default date has to remain the same as original. if they have updated a default date complain.

Edited by Ford

IMO

:-):rant:

 

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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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Share on other sites
  • 1 month later...

in summary as per my last posting -

 

Lloyds CC taken out in Dec 2005

Amount owing to Lloyds CC = £14'252

Last payment made to Lloyds = April 2009

Default notice from Lloyds = July 2009

Sent CCA and SAR = August 2009

They never replied and the whole thing was forgotten about for a while.

No PPI

 

various DCA's attempted to extort me, but I informed them the matter was in dispute (i.e. no CCA or SAR), so back off - or else.

CQ (and Lloyds), have written saying CQ own the debt.

I decided to ignore their letters and then the letters from Drydens Fairfax Solicitors as my original CCA request to Lloyds was never full-filled.

CAG members informed me to send a CCA request to CQ.

This I did, AND to DF.

 

CCA request sent 16th Oct 2013 (postal order and recorded delivery on both)

CQ received 17th Oct 2013

DF received 19th Oct 2013

Today - Sat 26th Oct 2013 I receive a County Court Claim Form (issue Date 23rd Oct 2013).

I have NOT received a CCA

 

:sad: What do I do now?

 

P.S: CQ have also wiped the original Default from my CRA file and started a new one under their name.

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Two threads merged and moved to Legal forum in view of the issue of court papers

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

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4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

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Read Here

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Thread title changed slightly too.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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..

P.S: CQ have also wiped the original Default from my CRA file and started a new one under their name.

 

have they done it with a current date? if so, no go. must still be the original default date (but can now be in their name if they are the new owners)

Edited by Ford

IMO

:-):rant:

 

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Even without a CCA, they CAN get a judgement against you but they CANNOT enforce it. The only real reasons for them to get a CCJ is to either scare you into paying, or doing it out of pure spite.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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