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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 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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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 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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