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Hello,

 

i have been paying towards a DMP for a couple of years now (Stepchange)

and have just been notified by one of the creditors (Vanquis) that the debt has been sold to a company called capquest.

 

Capquest have acknowledged that i am paying the DMP and have stated they will not be adding any fees or charges to the account (good of them....:|)

 

I was just wondering if,as they have obviously bought the debt for peanuts,

would i get a chance to make a ridiculously low final settlement offer or would that affect the fact that i have a DMP in place.

 

Also should i be requesting anything from capquest with regard to the debt or just let it run.

 

It makes my blood boil to think that Vanquis could have offered to me a chance of settling the debt at a low value but went and sold it on.:-x

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pers i'd be sending crapest a CCA request

 

did you have any £12 penalty fees with Provident or any ROP [PPI]?

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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they must hold an enforceable agreement

the one you signed.

 

if you've lots of charges

 

get the statements via an SAR

 

and get reclaiming

 

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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