CapQuest and text messaging

[DIZZYNITA]

Hello Caggers

Today I had a text message from CQ

asking me to call them to "discuss a potential offer".

 

 

I know better than calling these people..

 

 

they used to write to me but I put the letters away as the debt is over 10 years old

and they offered a substantial rebate, at one point 70%!

 

Now they start messaging me but doesn't say what it relates to or that they are a debt collection agency

..their message was: "

 

 

Dear..,please call CapQuest today to discuss a potential offer on 03339997201 quoting ref XXX: Offer Code : Offer1".

 

Should they not saying who/what they are?

[filrobbo]

They send out loads of text messages hope someone will answer them then they take money from them

Edited November 30, 2013 by ims21

[dx100uk]

discount = no debt.

 

 

dx

[BRIGADIER2JCS]

Dx is correct if you can block Capquests number, respond only to letters.

[renegadeimp]

Make sure to notify the OFT as well. Also, you might need a smartphone app to block capquest, as they use a method which doesnt generate any number on your phone, so you cannot block it using normal methods.

[DIZZYNITA]

Thanks for the advice. I do have a smartphone and will check out a block app.

Renegadeimp - just a question, what would be the reason to report them to the OFT?

[fletch70]

discount = no debt.

 

 

dx

 

DX you know better than that . An offer of a discount means nothing in terms of liability or enforceability

 

 

 

With regards to the debt, is it Statute barred?

If so, wait until Crapquest write to you then send back the SB letter.

 

If they already know that it is SB you should make a formal complaint and also let the OFT know that they are knowingly chasing a SB'd debt. I can see no other reason to make a valid complaint if I am honest

[renegadeimp]

Harassment. If they dont stop after you tell them to stop, they are in breach of OFT guidance on debt collection and possible criminal harassment if they continue. Plus under OFT guidance, it is your right to be contacted in the format YOU choose. Not what they think they can do.

Edited November 30, 2013 by renegadeimp

[renegadeimp]

DX you know better than that . An offer of a discount means nothing in terms of liability or enforceability

 

Except with crapquest, DX's advice is spot on. I cant remember any debt that was fully valid and enforceable where they offered a discount. They only usually agree to a small settlement, if the debtor shows their finances wont allow them a huge repayment.

[DIZZYNITA]

My debt has been SB for nearly 10 years and only occasionally got a letter, then it went quiet for a few years and then a letter every 6 months.

 

I will keep track of their messages and if necessary report them to the OFT.

[fletch70]

Renegade

Maybe you haven't heard of it with Crapquest and for all I know in this case it may be a completely UE or SB'd debt. However what was said was discount=no debt which we all know is not true. Anyone else who reads this could easily assume that this was a general statement.

Incidentally I have a letter from Capquest where they suggest a discount may be on offer on an account that should it be taken to court I would probably have a very hard time defending although it will be easier now they have assigned it to lowlife as the DN is bad

[renegadeimp]

I understodd what you meant, but with crapquest, they pretty much never offer a discount off their own back on a debt. Dx could have worded it better sure, but i think we know what he meant,.

[dx100uk]

as usual just playing policeman imp

 

 

a debt whereby 70% discount is offered normally means no debt even exists

as there always more than the offer they are making to reclaim

 

 

there we go another round of confusion for another newbie just after help.

 

 

dx

[renegadeimp]

as usual just playing policeman imp

 

 

a debt whereby 70% discount is offered normally means no debt even exists

as there always more than the offer they are making to reclaim

 

 

there we go another round of confusion for another newbie just after help.

 

 

dx

 

Indeed. I've been harassed by crapquest, arrow and restons for the same debt. A provident loan i had back in 1999 Ive had a 40%, 60% and yesterday had a letter saying whatever i could afford to pay would be taken as a final settlement, and my credit file will be updated as such

[fletch70]

Indeed it is confusion because a newbie (although this newbie seems rather knowledgeable ) could easily have taken what you said literally. IMHO this is especially important as you are in a position of authority. People only read what they want to read some of the time. What could happen if someone read that and as a consequence ended up with a ccj. or worse.

 

Renegade a provident loan from 1999 and still on your credit file what a bugger. At last mine were defaulted after I stopped paying so will be gone in a few years time.

[fletch70]

Dizzy in answer to your last bit of the question they are a bit stuck. If they say who they are or what is about they could be hung out to dry for giving out info without knowing who was getting it.

[renegadeimp]

Indeed it is confusion because a newbie (although this newbie seems rather knowledgeable ) could easily have taken what you said literally. IMHO this is especially important as you are in a position of authority. People only read what they want to read some of the time. What could happen if someone read that and as a consequence ended up with a ccj. or worse.

 

Renegade a provident loan from 1999 and still on your credit file what a bugger. At last mine were defaulted after I stopped paying so will be gone in a few years time.

 

Nah its not on my file, but theyre trying to say it is. This loan was NEVER on my file. Ever.

[dx100uk]

a newbie is hardy going to 'just' read one post without reading the whole thread

 

 

anyhow.

 

 

we are forgetting its coming up to xmas

 

 

and these fleecers need a bit of extra free profit to fund the xmas drinkies.

[fletch70]

And if I hadn't made the comment , the discussion would not have been had . Heads I win, tails you lose :lol:

 

Overall a good discussion to be had don't you think

[renegadeimp]

THats why the forums are here fletch. TO give as much info from all sides as possible

[BRIGADIER2JCS]

dx is correct (usually is) Capquest and discounts means Unen. Stat Barred, etc.

Xmas chasing of duff debt has been going on for many years, it's just the DCAs

way of bringing misery and distress at this time!!

[fletch70]

Brig , you just don't get it do you, you are letting your blind dislike of me colour your judgement. It is of course possibly admirable to defend a friend whatever the circumstances

The original statement was and still is incorrect and dangerously so however with clarification it is more appropriate although maybe not 100% accurate and certainly not the only weapon I would want in my arsenal. In this case it does appear that the debt is SB but as you well know , unless you tell them it is SB they are perfectly entitled to ask you for money. In England a SB debt still exists although can not be enforced in any way (unless by a default judgement )

 

As for DX being usually correct , where have i ever said that he is wrong more often than he is right however as a member of the site team IMHO he has a duty of care and a responsibility to make sure he is as accurate and informative as possible. Like anyone else he should be big enough to accept criticism without taking it personally

[filrobbo]

It's a way of extracting money from people with no legal rightto do so, and should be reported to relevant authorities .If everyone made astand against the activities and the way these DCA act and the fraudulent waysmore will be done about them.

[fletch70]

Filrobbo

Once they have been told the debt is statute barred they must stop collection activity and if they don't then I am first in the queue to report them . In fact I am first in the queue when it comes to making valid complaints , but before you do you really need to get your ducks in a row.

 

There seems to be indifference at the Fos , I made a complaint, got a response which I challenged but it was not passed to an ombudsman as it should have been. I had to force the issue when the creditor started chasing me again. Sadly complaining is not for the feint hearted.

 

Complaints need to be based on facts and not feelings , it may feel unfair or immoral but unless you can show breaches of rules and guidleines you are stuffed

[renegadeimp]

With the FOS