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Natwest, Capquest and CCS Collect


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I wrote to Capquest yesterday outlining all these issues and a few others.

I mentioned in my letter that Capquest had placed a default on my CRA report in 2012 which showed a default date of 23/05/2007 and on 23/05/2013 it was removed. I therefore asked them how the hell they consider the debt to not be statute barred.

 

Excellent.

 

If you are not happy with their response to your formal complaint or of they fail to reply within the 8 weeks, then don't hesitate in sending it all off to fos.

 

It will be interesting to see what evidence they come up with for these supposed payments.

 

Excuses we have seen before include "They were cash payments over a counter so no records of the source"

 

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Excellent.

 

If you are not happy with their response to your formal complaint or of they fail to reply within the 8 weeks, then don't hesitate in sending it all off to fos.

 

It will be interesting to see what evidence they come up with for these supposed payments.

 

Excuses we have seen before include "They were cash payments over a counter so no records of the source"

 

Well I have been through this whole process before with CCS Collect regarding the same debt.

 

When it got to this stage they simply sold the debt back to Capquest.

 

No doubt Capquest will sell the debt on again so the cycle of madness will continue for ever.

 

I am of the impression that I should have ignorred all the DCA threatening letters.

 

Should they take me to court I will turn up and defend myself with a perfecty documented defence.

 

How strange that they never took me to court in the six years before the debt became statute barred.

 

Since the debt became statute barred they have been sending me loads of threatening letters.

 

I am of the impression that DCA employees have either an IQ of zero or are simply brain dead.

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I am of the impression that DCA employees have either an IQ of zero or are simply brain dead.

 

Probably a fair appraisal.

 

As far as doing the rounds of the DCAs for the rest of eternity goes, make sure that when you do your complaint to fos, you include all of the shenanigans that have gone before about advising of the SB status and yet still being passed around.

 

The FCA is quite clear on this...

 

CONC 7.15.8 A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred.

 

http://fshandbook.info/FS/html/FCA/CONC/7/15

 

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Hi Brig, Yes I have been wondering about this along similar lines to you.

Capquest said in their letter that the attached statement shows payments I had made not to NatWest

but to Capquest !!

On closer inspection of the statement it matches an extract of the statement Natwest printed out for me

a few months ago when I visited my local branch.

However, Capquest's version shows different dates of money transfers into the account.

Capquest have obviously taken an extract from my NatWest bank statement from years ago, changed the dates of the transactions to make out the debt isn't statute barred then claim that I had been paying them.

You are right, this is serious.

Knowing for certain that I have made no payments to NatWest or Capquest perhaps I should report Capquest to Action Fraud.

 

 

 

 

 

 

Hi, If you are positive yes report it,,also make a complaint to the FCA.

 

 

Have you sent the Formal Complaint letter?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Hi, If you are positive yes report it,,also make a complaint to the FCA.

 

 

Have you sent the Formal Complaint letter?

 

Hi Brig,

 

I am composing a letter of formal complaint.

I also noticed on the FCA website that Capquest have been brought to

their attention in the past.

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I have sent a formal letter of complaint to Capquest.

Interesting to see how they respond.

 

 

I too will be interested as you say CQ have been "noticed" previously.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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  • 2 months later...

Well it's now August and I haven't received any letters from Capquest or CCS Collect.

I was expecting a letter stating that they have closed the account but no such letter has turned up.

I therefore assume that the DCA will sell the debt on again and more threatening letters will follow.

Why on earth don't the DCA's either drop the issue or take me to court?

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Because 9/10 its a computer generated system with very little human input.

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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Well it's now August and I haven't received any letters from Capquest or CCS Collect.

I was expecting a letter stating that they have closed the account but no such letter has turned up.

I therefore assume that the DCA will sell the debt on again and more threatening letters will follow.

Why on earth don't the DCA's either drop the issue or take me to court?[/quote

 

 

The 8 weeks for investigating a formal complaint are only just up.

You can now make a complaint to FOS.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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