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    • Thank you Bank Fodder for your reply. Il certainly do that
    • Googled it and Family Money Savers purchased the assets of Key Financial Claims, there’s also threads confirming that they have acted as agents of Key. A firm going into liquidation does not nullify a contract so whether or not you owe the money will depend on when the offer of compensation was made. I would call them in the first instance to question it, all CMCs have to record all calls now, and you can make the subject access request over the phone. The fact that it’s taken 6 and a half years doesn’t make the contract invalid. 
    • the business and assets of Key Financial Claims were bought out of administration on a going-concern basis on 10 December 2015 by connected company Family Money Savers (FMS) for an initial payment of £30,000.   addition, the company is due to receive 10 per cent of FMS' revenues from Key Financial Claims' pipeline and 25 per cent of FMS' own revenues of which the company previously received 15 per cent. ………..     pers i'd ignore them.  
    • Hi, I currently have a Court case going on against Hartley Wintney Motors whereby I am trying to reject a car under the 30-day thing, as the car broke down 29 days after I purchased it. I was notified by the Court that the Judge had ordered for it to be referred to the Motor Ombudsman for dispute resolution. TMO advised that this could take up to 6 months as they are currently dealing with cases older than mine. Yesterday, through the Money Claims portal, I had notification that HWM had made an offer. I am trying to claim back £3,100. That's the cost of the car at £2,500 + the cost of a warranty. So there offer is:  "We can pay £2500 on 23 October. You must deliver the vehicle with all keys, logbook by 23 September. If you are not agreeable, business is closing soon, and any judgement awarded in the small claims court is also unenforceable. You will then need to dispose the vehicle."   So, firstly, why should I have to return the car? It doesn't go. I would have to pay for a truck to get it back to them. If the business is closing why do they want the car? Why would I give them the car a whole month before they pay me? They could scrap the car and there goes my evidence. Is the business closing? Their website still has over 60 cars for sale. Are they just trying to force me to take their reduced offer?  I have checked on Companies House and in June they filed a notice for compulsory strike off. One week later the strike off action had been discontinued. I've also contacted TMO to try and ascertain if this offer is in conjunction with them, as I haven't received any communication from them advising the same. If my matter is still waiting to be dealt with by TMO, why would HWM just randomly make an offer, when from the beginning they have been adamant that I am in the wrong?   I would very much appreciate any thoughts from people.   Thank you.     
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timid80

DCA wants proof of name (Capquest) MBNA debt

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Hi, would appreciate some advice if possible.

 

History of this debt -

 

Original Creditor: MBNA

Date of agreement: 12/10/2005

Current owner: Arrow Global

Current balance: £4223.87

Default date: August 2010

Last payment: 2013 (?)

DCA: Capquest

 

Current issue -

 

Got married a few months ago and have changed surname, found CAG and decided to sort my act out.

 

Recently sent CapQuest a CCA request (using CAG template), trying to get things sorted.

Before they even received it my neighbour popped round with a letter they had incorrectly sent to her address.

She'd also opened the letter as CapQuest had called her home and worried her.

 

I was fuming about the phone call,

they obviously searched the address for a number,

if they's taken 2 minutes to check my credit file they would have my correct address,

and sent them a letter to complain

 

 

their only response so far is to request confirmation of my name change

(valid request in terms of data protection I think, but I refuse to send them any of my ID).

 

Wondering if there's any advice on the following:

 

 

  • As I want to get a clear CCA request response (do they have it or not) I understand the need to identify myself, should I provide this to the OC or the current owner?
  • Would appreciate an opinion on my draft response to CapQuest please -

 

Thank you for your letter, dated 27th January and received 29th January.

 

In your letter you request confirmation of my details.

 

Due to the nature of my current complaint and your companys inability to appropriately check and manage data; I am reluctant to supply you with identification documents.

 

As such I am writing directly to the original creditor (MBNA) of the alleged debt with sufficient identification to reflect my change of details. I

f relevant to your desire to contact me I am sure they will pass this information along in due course.

 

I await your response to my formal complaint (letter dated 20th January), the main points of this complaint are stated again below for clarification:

 

1. The letter received disclosed alleged debt details, nature of contact and amount, without any attempt to be ensure that

“data and information used in the identification process is, to the best of their knowledge, accurate and adequate”.

This failing may relate to CapQuest or their client.

 

2. CapQuest also somehow obtained the telephone number for INCORRECT_ADDR and contacted them about the account number above,

which contradicts the intended recipients right to privacy.

 

Attached file is a copy of my complaint letter and their most recent letter.

 

Thanks for reading

Capquest_name_confirmation.pdf

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that letter looks a bit freeman of the land twaddle to me........

 

tell us about the debt please.

 

you certainly need to ring the ICO and let them know about the neighbours involvement too

 

they have certainly breached the FCA conc rules too

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Original Creditor: MBNA

Date of agreement: 12/10/2005

Current owner: Arrow Global

Current balance: £4223.87

Default date: August 2010

Last payment: 2013 (?)

DCA: Capquest

 

Got into problems in 2009,

tried Baines and Ernst,

realised they were a rip-off so set up my own DMP;

 

 

have had 2 children since so started making only token payments in 2009,

then stopped payments to MBNA/Arrow in 2013 (can't remember why).

 

Account was in "Arrangement to pay" from Jan 2009, defaulted August 2010

 

Total balance when I fell into difficulties was £4,598.87. SAR sent to MBNA yesterday (definitely had PPI), CCA sent to CapQuest 18th Jan

 

Let me know if you need to know anything else. THANKS

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ticking along nicely then.

 

 

lets await the CCA failure I suspect.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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