Sold on debt - reclaiming charges? BPF

[summer30]

Ive had 3 letters from Cap quest for a debt with Barclays partner finance for a large sum, at first I thought it was a credit card owed but then realised that it wasn't and that Ive never had a loan with this side of the company especially for nearly 10k!!

 

They have apparently purchased this debt

 

They sent a CCJ threat just before last post date this month so shortening any reply time to about 3 days due to the fact royal mail was mostly closed.

 

Then another immediately after Christmas saying they are still going for legal proceedings and seeing as I seem to have no other ccjs if I dont contact them i might may or possibly have trouble getting a mortgage, mobile phone, loan etc.

 

I have had dealings with these people before, they sent me someone elses payment schedule with their address on it and it ended up in dispute and them never contacting me again as it went over the 45 or so day reply they set themselves.

 

I was going to ignore it but being pregnant I dont really want the hassle of defending a CCJ if it goes that far.

 

Anything I can do? thanks

[silverfox1961]

Hi

They seem to think you are the debtor they want so I would adapt the 'prove it' letter from the library and send them that.

 

Send by recorded delivery to ensure they have received it

[rebel11]

Hi summer

 

Here's the CSA's code of practise, worth reading - Tracing No.6:-

http://www.csa-uk.com/media/editor/file/CSA%20Code%20of%20Practice%281%29.pdf

 

Here's OFT's Guide on Debt Collection, worth reading - page 57:-

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

[summer30]

thanks both of you. The only other thing I can think of is if an old debt got taken over but I have absolutely no details of anything with BPF and no where near that amount , the only car and motorbike type loans I had were paid off in full.

 

Is this the correct letter?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It

[silverfox1961]

Hi

I removed the actual letter and replaced it with a link. We try not to post the actual letter on open forum.

 

As to your question, yes, that is the letter you need.

 

You will need to adapt it to your own circumstances but I would also add to the top of the letter:

 

"I acknowledge no debt to you nor any company you claim to represent."

 

Have you checked your credit file? If not, I would do so (just in case)

[summer30]

I havent yet, will need to join something, ive heard of noddle but then noticed several people getting £12 charges taken from their account when supposed to be free.

[Bazooka Boo]

Noddle IS free, the only draw back with them is that they take a while to update the systems so your file may not be 100% accurate on the day you check.

 

However you can do the experian 30 day free trial if you've not used it before, just remember to cancel well within the 30 day trial period, else they start to take money out of your account.

[summer30]

ok thanks, letter going off today and will sort the CR when im not at work. will let you know if i get a reply.

[summer30]

Had a reply, it was their complaints procedure, and it stated they would be carrying out a thorough investigation.

[summer30]

Is it

[fkofilee]

We need more info... Who is the DCA?

Im guessing the original creditor is Barclays?

[summer30]

or

[dx100uk]

yes from the original creditor

better if they are within 6yrs too

 

dx

[summer30]

OK thanks

[dx100uk]

time you started to read around

 

you've been here long enough

 

there are links below no.3.

 

also use our search of the grey toolbar to right

 

reclaiming bank charges

 

or alike

 

read what others have done and how they did it.

dx

[summer30]

right, thanks, currently sick and struggling to do that just thought I might get a bit of help, I wont ask again.

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

[slick132]

Have posts #10 and #12 been edited - they make no sense.

 

Summer, you will get help here but you need to do stuff for yourself too.

 

Is the debt yours or not ?

 

[silverfox1961]

Hi

I also agree with my colleagues comments. We will help as much as possible (bearing in mind we are not always here) but you need to do your own research as well. Plenty on here to assist your searches and if you have uncertainties, that is the time to ask for help.

 

Remember too, there is no such thing as a silly question.

 

As there is now an investigation going on, there is nothing much you can do till they respond