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Capquest and pre action protocol letter - Very debt


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Hi,

 

Have a written payment agreement with Capquest to pay £50 per month for a Very catalogue debt

with an outstanding balance of £5472.14

which I have paid faithfully since they purchased the account in October 2013.

 

Out of the blue they have sent me a letter snappily titled 'Letter of claim under the practice Direction - Pre-action Conduct'.

 

Confused and concerned about this and would very much appreciate advice as to how to proceed.

 

Pretty sure the catalogue account is pre 2007.

 

Should i forward a CCA request asap?

 

Should I acknowledge receipt of their latest letter and point out that I have a written repayment agreement with them.

 

Please advice - am very worried about this.

 

Thank you.

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yes end them a CCA

 

and get an sar off to very

 

bet 90% of the debt is £12 fees for everything

 

and their PPI.

 

I question why you are paying £50PCM to a DCA too.

 

how did they spoof you, by phone?

 

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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time to reclaim those charges :)

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thank you all for replying.

 

Dx - no, phone spoof - just caught me when the family were going through a particularly vulnerable time.

 

Will definitely send a SAR off to Very - I bet there are charges a plenty!

 

Should I contact Capquest to remind them that I have a written agreement? Can I complain to any 'official' body regarding their harassment?

Family just starting to get back on our feet - really don't want this to be hanging over our heads too.

 

Thank you.

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They might find themselves with egg on their face - if you have a payment arrangement in place, then the court might not look too kindly on them issuing the claim.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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