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Capquest and Bogus/fraudulant Orange Account - they wont give up chasing!!


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Good afternoon

 

After looking through these forums for the last six months,

i have finally picked up the courage to ask for some advice.

 

I am being tormented by a debt collection agency called Capquest over a debt that has absolutely nothing to do with me.

 

I moved out of a property in 2003,

and it seems a mobile phone contract was taken out in my name at this address in 2008.

 

It is obvious it is fraud but Capquest have been less than accommodating with resolving this issue.

 

I was told to place the account into dispute and demand a final response s

o i can elevate the complaint to the Office of Fair Trading and Financial ombudsman if required.

 

After more than 12 months of this i finally receive a letter today.

 

They are stating that they have confirmed i was on the electoral register from 2008-2011.

 

I have contacted the Local Authority and that is bogus.

 

They want me to provide my life story to aid their own investigations.

They will not provide any details on this orange phone debt as they say it is a service agreement

and that i have to contact the orange shop for those details.

 

Do they not have to provide signatures, handwriting etc??

 

Can they just demand i owe this with no proof??

 

They have stated that they will close the complaint after 30 days

and continue collection action if i fail to cooperate.

They also refuse to give any final response to my complaint.

 

Any suggestions people,

i have a backbone and i am not worried,

more annoyed than anything else

Edited by capquest worst knightmare
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Ignore the silly excuses crapquest give.

 

Send them a prove it letter. http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It

 

 

They have a lemon debt, they know it, an hope you will fall for the old trick where they threaten you and you give them all the info they need to fill in the blanks.

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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It's very typical for a debt purchasing company to act like this.

They've purchased a debt which isn't yours to pay off,

and by writing a complaint it seems that they become ignorant to various office of fair trading debt collection guidelines,

and the law.

 

Phone contracts are fairly easy to obtain.

Personally, the original creditor (Orange) has a responsibility to ensure the person applying for the contract

is the actual person they're claiming to be.

 

Personally after exhausting the complaints procedure,

I'd consider taking further legal action against them.

 

Not before perhaps visiting your local police station to make a report of fraud

that you believe to have occurred in your name

(whilst I doubt it will be investigated by the police thoroughly,

you will obtain a crime reference number which will help with any complaints

or further action you might take further).

 

Capquest seem to have forgotten that it's their obligation to prove that a debt exists

in which you are liable for, and not the other way round.

 

Consider drafting a letter before action,

that you intend to take the matter further (to the county court) for damages.

Edited by mch1991
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contact actionfraud via their website.

 

time to ignore crapest now,

 

you have checked your CRA file has not been trashed by this and

any other fraud these people might have perpetrated?

 

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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I've put this thread on the orange twitter feed too.

 

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

Yes my credit file has been "trashed"

 

Capquest response is that it is down to the original lender,

and this orange debt is one of many fraudulent accounts set up in my name.

 

Local police are not in the slightest bit interested and that i have to take it up with the creditor

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Crapquest can try to throw around the "who's responsible card" all they like.

 

As they purchased the alleged debt,

they should have done so in good faith.

 

You've contacted them to make them aware that you did not take this account out at any juncture,

and that they should cease and desist from processing your data and sending you demands for payment.

 

How recently have these "fraudulent" accounts been taken out?

 

The police seem to be failing in their duties here,

they have a duty to investigate crime such as fraud,

and to provide you with a crime reference number

so that you can forward this onto the company that claims you owe them money.

 

I personally think if you can provide proof that you did not take the account out at any point,

then perhaps you should look at filing a court claim against them.

 

You've tried to mediate the situation outside the jurisdiction of the courts,

but CapQuest have no interest in taking on board that you're not liable for any alleged debt.

 

Of course they'll come to this conclusion,

after all, it's money to line their pockets with.

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exactly they'll fly the DPA rules.

 

silly beggars

 

I suggest you contact actiofraud.

 

theres more to this than might be obv by this thread

 

is the orange account the only one from the fraud period on your CRa file?

 

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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is there anything else for this fraud period on your CRa file bar this orange one?

 

I think its time you put all this to rest and get the police

or get them involved through actionfraud.

 

this is identity theft on a large scale

 

and should not have been allowed to continue to give you issues 5+yrs later.

it should have been sorted years ago.

 

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

Seems like you've been the unfortunate victim of someone using your identity to take out various credit products in the past.

Orange should, upon request provide you with the original documentation (be it a contract or similar) to provide you with evidence in relation to this matter of fraud.

 

Don't worry about CapQuest, there really isn't anything they can do except send you silly template letters.

I would assume that they can't provide sufficient evidence to prove you took the contract out,

and therefore I highly doubt they'd consider taking you to court in an attempt to try and recover any money.

 

You've done what you can to try and mediate the situation,

but they're always going to make a bias decision as to the whole fraud issue,

as they want to maximise revenue for their own greedy profit.

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Well i finally get Capquest to send me the so called information that links me to my old address in 2011, remember i moved out in 2003.

 

They say they received their information from a company called Data Discoveries Ltd Edinburgh.

 

The Local Authority register from 2003-2013 has me clear of being registered at that past address.

 

It seems Capquest have been relying on Duff information supplied from this company called Data Discoveries Ltd.

 

Any recommendations people?

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actionfraud post 12?

 

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

I have been in negotiation with this trace company called Data Discoveries Ltd. They confirmed that Capquest is one of their clients, but they they have no record of doing any searches on me. Their computer records are blank.

 

I am under the impression that Capquest have been fabricating documents to substantiate their position without the knowledge of Data Discoveries Ltd.

 

Data Discoveries have informed me that they will be in contact with Capquest to try and get some sort of explanation as to this discrepancy and inform me on the result of that investigation.

 

I am under the impression that Capquest might have been doing some creative art work to pass off a document as an original. This is all speculative until Data Discoveries get back to me.

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Actionfraud, ICO, FOS etc. Capquest are well aware that they need to check the validity of the info they hold before they chase someone.

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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  • 2 months later...

Update:

 

They are adamant that i owe them £85.00 on a mobile phone contract which is totally fictitious.

 

I have followed advice given on this forum and placed the account into official dispute and demanded documentation to prove their claim.

 

Three months later i receive their response.

 

They state that a mobile phone agreement does not need a credit agreement, only a service agreement. I have confirmed that is correct. I have been told that i, myself will have to locate this service agreement direct from orange and that Capquest have no lawful respnsability to facilitate that request. They are now saying they will be passing this account back to collections if no contact is made within 30 days.

 

So my question has to be:

 

How can a Debt collection company demand a payment from an individual with no requested paperwork. There must be some sort of protection for the consumer. Any recommendations on my next step please.

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Simply send them a prove it letter and get a FULL complaint in. make sure to state in massive letters that you do not acknowlege any debt to them or any company associated with them, and should they send one more harassment letter you will be informing the OFT/FCA and FOS, and will be considering legal action for harassment.

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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Get the FOS involved.

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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Crapquest probably know its a bad debt, but since its crapquest, they dont want to accept blame so will chase you regardless.

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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have you gotten actionfraud involved yet?

 

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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