Jump to content


CAPQUEST - Vodafone


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3474 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi - Trying to help a friend out who is in financial difficulty.

 

A number of years ago he separated from his partner,

upon this separation left him with a large amount of debt from different sources.

 

He took a mobile phone out with Vodafone for her and she ran up a bill of £100's.

It then got passed to a debt recovery where he has been making minimum monthly payments ever since.

 

Whilst helping him work through his finances we sent a CCA off to CapQuest thinking the debt was actually something else.

 

They advised that it is not a credit agreement but a service agreement

and if he required a copy of the contract then he needed to go to the place of purchase.

 

I haven't dealt with a mobile debt before and not sure where he stands with this one

- doesn't cap-quest have to prove they have purchased the debt or prove the debt in someway?

 

Also concerned that they are adding charges and interest etc as the debt doesn't seem to be reducing,

but he has had little to no paperwork sent from them over the years so he is in the dark.

 

Any ideas on this one?

 

Cheers

PPI REFUNDS

HALIFAX - Loan PPI full refunded + 8%

HALIFAX - Credit Card PPI full refund + 8%

EGG - WON!

MARBLES/HFC - N1 Submitted

MORGAN & STANLEY - [/WON!]

 

CREDIT CARD CHARGES REFUNDS

 

HALIFAX - Credit Card Charges full refund + 8%

MARBLES/HFC - N1 Submitted

EGG -WON!

BARCLAYCARD - WON!

BARCLAYCARD 2 -WON!

MORGAN & STANLEY - Full refund + CI

 

CAG has been amazing and a real God send! Thank you so much to all the people who help to make this the place it is and dedicate their time to help people like me! Please donate to help keep this site alive! It's Priceless!!!!!

Link to post
Share on other sites

Hi

A mobile phone is on a service contract and not a credit agreement so they are correct in that however, if they have bought the debt, it is down to them to prove the debt exists and they would need the contract to do so (if it went to court)

 

Initially, VF would just farm out the debt as they don't do their own debt collecting so, you need to be sure that CQ have bought it.

 

You could give lee a go but I am not sure how much he could help.

 

If you choose to go this way, you will need your friends permission to act.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems-**UPDATED-November-2013**&p=2343766&viewfull=1#post2343766

 

As I see this, it won't go to court. Vodafones debt admin policy is yet to tested in court. When they pass on a debt, they add an admin fee of 15% or £100 (whichever is the lower) This is an arbitrary sum and is nothing like an accurate amount of what it actually cost them to administer the account.

 

There is a prove it letter in the library that could be sent to CQ to see what they have.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

Thanks silverfox, that gives me some useful information to go back to him with and plan of action - your help is appreciated!

PPI REFUNDS

HALIFAX - Loan PPI full refunded + 8%

HALIFAX - Credit Card PPI full refund + 8%

EGG - WON!

MARBLES/HFC - N1 Submitted

MORGAN & STANLEY - [/WON!]

 

CREDIT CARD CHARGES REFUNDS

 

HALIFAX - Credit Card Charges full refund + 8%

MARBLES/HFC - N1 Submitted

EGG -WON!

BARCLAYCARD - WON!

BARCLAYCARD 2 -WON!

MORGAN & STANLEY - Full refund + CI

 

CAG has been amazing and a real God send! Thank you so much to all the people who help to make this the place it is and dedicate their time to help people like me! Please donate to help keep this site alive! It's Priceless!!!!!

Link to post
Share on other sites

adding charges & interest!

 

that's not allowed nor in the T&C's of any mobile contract.

 

smells of him being cash cowed here.

 

what does his credit file say too about all his debts?

 

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... 

Link to post
Share on other sites

I would be careful here... Vodafone also have a tendency to slip this out to Lowell... But thats here nor there in this case.

CApquest need to be tested about this debt and the guys are right, see if they can pull up proof it exists...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

I would suspect this debt is already sold on

 

cra file will tell you the owner

 

or has he already had a notice of assignment?

 

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... 

Link to post
Share on other sites

Hi kate999,

 

Thanks for making me aware of this.

 

If your friend would like me to take a closer look at things, could you ask him to email me with his details via the Contact us form here and quote the code WRT135 - CAG Forum in the subject line?

 

Once sent, he'll receive an automated reply with a reference number. Could you update the thread with this so I can make sure I get it?

 

Kind regards,

 

Lee

 

Social Media Comms

 

Vodafone UK

Link to post
Share on other sites

  • 1 month later...

Hi guys - the debt has been bought by CapQuest. I have been going round and round with this one and I can not find a template for "prove it" anywhere. I have looked in the library - any ideas where I can find one? Cheers

PPI REFUNDS

HALIFAX - Loan PPI full refunded + 8%

HALIFAX - Credit Card PPI full refund + 8%

EGG - WON!

MARBLES/HFC - N1 Submitted

MORGAN & STANLEY - [/WON!]

 

CREDIT CARD CHARGES REFUNDS

 

HALIFAX - Credit Card Charges full refund + 8%

MARBLES/HFC - N1 Submitted

EGG -WON!

BARCLAYCARD - WON!

BARCLAYCARD 2 -WON!

MORGAN & STANLEY - Full refund + CI

 

CAG has been amazing and a real God send! Thank you so much to all the people who help to make this the place it is and dedicate their time to help people like me! Please donate to help keep this site alive! It's Priceless!!!!!

Link to post
Share on other sites

dca section of the green top left library tab

 

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... 

Link to post
Share on other sites

  • 3 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...