Capquest cap1 [CCA ver #15a]- £1200 settlement offer on +£4k - should i settle?

[bright_future]

title changed. now shows CCA ver#15a.

is the version of the agreement important?

 

whats does "spready" mean?

[maroondevo52]

 

whats does "spready" mean?

 

Spreadsheet

[renegadeimp]

Wheres the actual app form though, even a reconstituted version. The t&c's are there, but the rest isnt. Plus any changes to t&C's until termination.

[bright_future]

that was all that I was sent.

2 page photocopy, plus a 6page rendition of the small print.

 

I dont know what I should have been sent.

[renegadeimp]

To be, i dont think that qualifies as a legit reconstituted agreement, but others may disagree. At the end of the day though, if they go for a CCJ, then its up to the judge.

 

But having been in a similar position years ago, it is very very unlikely capquest would give you a settlement offer like that unless there was something wrong with the debt and they wanted to make quick cash and offload the rest.

[bright_future]

dont say they might go for a CCJ. they seem warm to the idea of a F&F.

 

need to decide whether its worth the emotional distress to get the fees taken off and push for a smaller F&F amount, or just give them the 1200.

[dx100uk]

the signed CCA page 1 of the upload

is their pre agreement form from 09/2007

so I think its ok

 

the t&c's #V15a, [that's why I put it in the title]

is an important number

as that should tie it in with your signing date 01/11/08

 

you've not been talking on the phone have you.

 

they'll warm to an F&F

because its money direct to their pocket

 

sadly all you'll do is fund the harassment of 1000's of other people...

[bright_future]

there is a Full and Final settlement template letter.

 

Part of the text is: (my italics)

 

"This offer is made on the clear understanding that, if accepted, neither you or any associate company will take any other action to enforce

or pursue these debts in any way whatsoever and that I will be released from any liability.

 

I also request that, if accepted, you will mark any entry on a credit reference agency file relating to the above accounts as "satisfied" in full, all references to these debts fully removed including removal of any default records for the entirity of all accounts. "

 

Can you really ask the company to remove of any default notices?

If you have defaulted, you have defaulted. Why can you ask them to remove the notices?

[dx100uk]

I would be asking them to totally removed the account

 

 

however.. as said, you'd do more good to burn the money

or go have a holiday with it.

 

 

that's a far better use than to ever pay a DCA anything.

 

 

dx

[bright_future]

I do not have the fortitude to have to open these letters from solicitors, etc.

 

Each escalation results in emotional turmoil, disrupted sleep patterns, disrupted appetite, headaches, stress.

 

It is a price I need to pay to have one less problem to have to constantly attend to.

[dx100uk]

perfect dca threat-o-gram fodder then sadly

 

 

that's what they want people to do

blindly pay to fund the harassment of 1000's of others just like you.

 

 

so, somewhere, someones gotta have to have the balls and man up and say

no i'm not going to pay you

..it just funds the harassment of others like me.

 

 

you cant stand it

so why push that on to others.......

 

 

you seem to forget

 

 

these people ARE NOT BAILIFFS

they have

NO SUCH LEGAL POWERS.

 

 

ask yourself this question.....

 

 

why didn't a big company like capital one take me to court

they could have crushed me dead....urm.............

 

 

why did they sell it on to a debt buyer.....urm....

 

 

dx

[bright_future]

so, at what point does it all stop?

 

what specific event, action, letter, etc, tells you "its finally over", and there will be no further letters?

 

is the uncertainty that bothers me.

 

on a separate creditor, one solicitor has sent a letter using terms such as "county court summons", etc.

why would they do that, unless they thought it was a viable option?

then, I would be immediately liable for the full amount, and lose my home, in order to pay it.

[bright_future]

the DCAs may not have legal powers, but when they bring solicitors into the mix, then it does become a legal matter.

[dx100uk]

no it does

will you PLEASE read the letters PROPERLY...................

 

 

NOWHERE do they use the word WILL.

 

 

if .but.might.instructed.could.or..NEVER WILL anywhere.

 

 

the solicitors are the bloke at the next desk

just wearing a diff coloured skirt...

 

 

infact if the truth be known

there NO human involvement at all

its the same program on the same PC

just using a diff letterhead.

 

 

we call them fake/tame solicitors

they give the DCA's a box of their letterheads and say here use these

if it gets money out the much well go 60/40..

 

 

you seriously need to wise up on DCA's.

 

 

dx

[dx100uk]

oh dear

I see we've been travelling this route with you for several years now.

 

 

I've just merged 7 threads

all about the same issues of paying a dca

and being scared of them.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?417710-Dealing-with-debts-first-steps-full-and-final

 

 

time you listened me thinks.