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Capquest & no CCA for HSBC debt


HelenDog
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Hi all,

I have been look around taking in all the information,

but I could really do with some help/advise.

 

 

I am currently on a DMP with step change (4-5 years).

CCCS now StepChange have & were life savers,

but I now feel advice contradict what I have read on theses and other forums

 

I send off CCA request letters to some of my creditors.

 

 

Long story short Capquest 1st reply stated they were waiting for HSBC,

2nd letter stated that HSBC could not provide CCA paperwork therefore the debt was unenforceable, but I was expected to continue to pay.

 

12+2+30 days has now pasted.

 

 

I contacted StepChange as I do want my DMP payment to go towards this debt.

StepChange said this was not possible and that I have to contact HSBC myself the gain clarification..

.They would not remove this debt from DMP either.

 

the CapQuest debt is 9k outstanding already paid 4k,

all other debt amount to roughly 3k.

The debt is also so old if does not show on credit report.

 

What should I do?

- End DMP /stop payments to Capquest

- Go it alone

- Contact other creditors and pay direct (some are at f&f offer stage)

 

Any help pointers would be great

 

Many thanks

 

Also forgot to ask , can I just ignore CapQuest now or is it good practice to send the failed CCA letter???

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I'd go it alone

 

the 30days does not exist anymore

becareful on the age of threads you read

the rules changed in 2006!

 

if capquest have failed the 12+2 working day deadline

which they have

then simply stop paying them

 

pers I'd be dumping CCCS

theres no need to have DMP administered in todays climate

 

sadly all any DMC do is blindly pay debts

without even the 1st steps of checking them.

 

fee paying ones are just the same do

 

do it yourself!

 

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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Hi Thanks for the info, just what I wanted to hear/ thought. Should I send a CCA failure follow up letter or not ?

 

On another note, DX I really like your approach and from reading some of your others posts feel/believe I have been cash-cowed long enough !

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Hi Thanks for the info, just what I wanted to hear/ thought. Should I send a CCA failure follow up letter or not ?

 

On another note, DX I really like your approach and from reading some of your others posts feel/believe I have been cash-cowed long enough !

 

 

you do not follow up CCA failure

 

 

only invites letter tennis

 

 

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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  • 1 month later...

Quick overview of where I am at the moment regards debt.

 

I have stopped paying my DMP with Stepchange and submitted CCA requests to all debtors,

not 1 was with the original creditor, bit stuck as to what to do with IDEM

 

CCA letters:

- Capquest have written to explain they are unable to provide paperwork,

they have now return my account back to HSBC (£9000)

this debt does not show on my credit file.

I have stopped making any payments:-)

 

- PRA group replied that debt is unenforceable as they are unable to provide CCA paperwork (£1500) this debt does not show on my credit file. :-)

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will follow thread with interest

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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