capquest/Drysdens claimform - old 'cat' debt

[somethingelseplease]

If it was an online enrolment shouldn't the company have waited for the signed paperwork before allowing credit?

[tizzywigs]

Ok thanks

 

Ok, have looked at the credit file and both debts are in the name of Capquest and both classed as a default. Is that good or bad?!!

[dx100uk]

proves CQ own them

 

it good in a way as the OC would not have sold the debts

if there was not something WRONG with them.

 

so good news there.

 

what are the defaulted dates plase from the summary?

 

as for the CCA etc.

 

online accounts esp catalogues, their T&C's [as do the adverts] state that your first order acts as your acceptance you are entering into a CCA.

 

if they were opened way before apr 2007 then typically the OC would have sent CCA's out for you to sign and return.

 

if/if not you did/didn't get/do this, sadly with your current orders I don't think will get you anywhere.

 

however, the sar DATA in terms of the statements will prob open a whole can of worms for them

and you'll be able to discover why they've sold the debts.

 

odds on, it'll be PENALTY charges/PPI/something else wrong as to why they

don't want to risk could so have written the debts off against tax

and sold them on a phishing list.

 

lets see what develops

 

opening dates

and defaulted dates

for the accounts from the cra file please

 

dx

[tizzywigs]

Ok so Isme - opening date of the account was 22/05/08 and default date was 28/08/12 and

 

Littlewoods the opening date was 22/05/08 and default date was 27/11/12.

 

I honestly don't think the accounts were both opened on the same day but can't remember sadly.

 

Thanks

[dx100uk]

well you wont have much joy on cca wriggling wit those two

 

time to await the sar return then.

 

but whichever way you go

those two will be trashing your cra file till 2018 [+6yrs from default date]

 

dx

[tizzywigs]

Oh dear - not good then.

 

What confuses me is that with the Littlewoods account whereby I received the copy of the CCA,

Capquest have done the usual phone calls and harassment via any which way possible

 

but with Isme and no returned CCA they have done lots of phishing letters to previous addresses but no direct contact to this address

until the letter from CallServe threatening a doorstep visit

- am confused as to why they haven't just written to this address

- any ideas on that one?

 

With the SAR - I will be sorting out the figures for the Littlewoods account as I have the statements here to go through

, is it worth sending an SAR for Isme at this stage or see what happens in the meantime

, do you have any suggestions. Sorry for all the questions

- it's so worrying with all of this.

 

Thanks

[dx100uk]

well 1st

nothing to worry about at all

its only crapest and they are only cat debts

 

even IF IF IF they do get in dourt

it'll only be a fiver at max!!

 

you've lots to dig up yet.

 

that sar is a must.

 

having he statements alone does not answer everything.

 

the comms log will be a good read.

 

dx

[tizzywigs]

Thanks, will go through the statements for Littlewoods and read through everything. What do I need to log from the statement - just all the charges that have been added on over the whole period of the account? Thanks

[dx100uk]

yes fixec sum PENALTY charges [late/over/letter/debt management/phonecall]

 

they sometimes hide them as admin fees.

 

you'll spot them though

they'll be a repetitive fixed sum

like £12/£20/£25 etc etc]

 

dx

[tizzywigs]

Hi,

I'm not expecting an immediate reply seeing as it's New Years Eve but

 

just wondering if anyone could advise how Capquest are with settlement figures and if they negotiate.

 

We have received an offer of settlement of half the owed amount on one of the account.

(still waiting to get some charges hopefully removed and this is also the account we didn't ever receive proof of signature for),

 

they want £1900 to settle (we haven't got that but may be able to borrow from a family member if lots less),

 

is it worth writing back with a counter offer do you know?

 

Thanks in advance.

[dx100uk]

if they are offering a discount

 

that means something is WRONG

 

and they'll be MOEe to reclaim

than what they are offering as a discount

[tizzywigs]

We have actually had no contact over this account,

 

about a year of letters going to my Mum's looking for us but nothing to our address and

 

then letters started appearing threatening court etc

 

which they have done now saying they are preparing the paperwork for court proceedings but

 

then further down the letter they are offering the settlement.

 

Do they acutally need to have the initial proof of signature on the account to proceed do you know.

 

This is so confusing as we are also tackling a previous Littlewoods account with them too and trying to reclaim charges,

 

they sent proof of signature with that account but not this one - very odd.

 

Any idea what we should do,

 

we haven't actually tried reclaiming the charges yet although I have the statements etc to go through

(I have been ill for weeks and in and out of hospital, all better now so ready to get this sorted!)

 

Thanks for replying and sorry for yet more questions.

[dx100uk]

just std threats

 

the discount is the give away.

 

scan up that letter.

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[tizzywigs]

Am I right you want to see the letter (sorry if I sound stupid!!) I understand to black out our personal details etc? My husband isn't here and the scanner is attached to his coomputer so will get him to do tomorrow if that's ok. Thank you

[dx100uk]

ta

[tizzywigs]

Hi, here is the letter received. Thanks. (oh and Happy New Year!)

Edited January 1, 2014 by tizzywigs

[dx100uk]

but anyhow

 

that's def a discount letter

 

sounds a bit like a readers digest spoof prize draw win letter.

 

selected for pre litigation review ...SO!!

 

their pre school pre litigation dept is funny

 

dx

[tizzywigs]

Sorry

- am so bad at technical stuff and was rushing my husband to scan and put the letter on.

 

 

Do you think I need to action anything

 

 

- any suggestions what I need to do as would rather not go to court a

nd worries about the effect on my husbands job as per previous posts

they have tried ringing him at work in the past

 

 

. Thanks

[dx100uk]

did you send the harassment letter?

 

clearly telling them to REMOVE XXXX number from their database forthwith.

 

unless it is a joint debt

 

your debts cannot harm your husbands employment.

 

pers I would not be responding to that letter

 

i'll sort it and put it back up in a mo.

 

dx

[tizzywigs]

The accounts are in my husbands name hence the phone calls at work

although have no idea how they got hold of his number but that's another story!

 

Yes, sent the letter (thank goodness for the help from here)

and finally received a letter advising of no further phone calls

but I just don't trust them to not try again at some point if no response to letters,

 

my husband works for a registered charity and it would be awful if they found out about any of this.

 

Thanks with regard to sorting the letter so can be posted, much appreciated.

 

Will not respond and see what happens next

.Just one more questions,

 

I am going to be sorted the charges for the other Littlewoods account which is also with Capquest,

 

total owing is approx £750 and think approx £300 are charges,

 

have all the paperwork to go through still.

 

nyway, once I have listed down all the charges what do I do next, do I ask for them back via Littlewoods as Capquest now own the debt?

 

Thanks in advance.

[dx100uk]

CISheet v101.xls

 

fill this out

 

put their interest rate in cell d 15

 

one sheet for each.

[tizzywigs]

Thanks, once I have filled it out who do I send it to? One sheet for each charge do you mean? Thanks

[tizzywigs]

Hi,

 

 

Wondering if anyone could help with this.

 

 

Capquest purchased a shop direct account with a debt of around £2,500.

 

 

We did the official request for proof of the agreement and charges etc but never got a copy of this back

 

 

did get lots of info regarding orders that had been made at the time of having the catalogue so can't really deny ownership of the account!

 

 

Drysden now have the account,

balance is now over £4,000 and

 

 

just received a letter today from the County Court Business Centre stating I have 14 days to reply

including wanting income and expenditure etc etc.

 

 

Having been on the phone to family in a panic they have asked if the company may take a lower payment in full and final settlement

but not sure how much to offer or how much they are likely to accept,

 

 

not sure if by offering something they will assume I have more to offer (which I don't).

 

 

Can anyone help please,

 

 

am in a total panic with the mention of court etc and a possible judgement too.

 

 

My main question is how much they would be likely to accept to get them away for good.

 

 

Many thanks in advance.

[fkofilee]

Woah slow down. Have you received a claim form?

 

You need to tell us now.

[tizzywigs]

Just to add, they have no proof I have even received the letter as sent via normal post!

 

Yes, it's a claim form