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Received this in the post today

 

Along with my original CCA letter.

Any advice? I dont know what details they have as I have moved a number of times since then.

If it was a credit card I would have thought capquest would have the details

 

Just double checked on my Noodle account.

It is listed in my closed accounts (if it is that one)

and is shown as settled in Dec 2010 with no missed payments.

 

Edit: it cant be that one on the account as my card limit was £1000 and have been paying £6.52 for years and my outstanding balance is shown as £1211.14 and the account is settled properly.

 

Edit 2: Is it worth doing a SAR with CapQuest to see what they have on file and amounts?

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Who are you paying?

 

If it is a powerless DCA such as [email protected] then STOP!

 

Primarily because you're paying something that you have no idea what its for?

 

Blindly stumping up money because a powerless clown outfit has told you to, is simply burning money.

 

If you have no idea what you're paying for, then STOP. Demand that they prove you actually owe this.

 

You're being cash cowed, and they know it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Oh dear, you've been royally shafted!

 

You seriously need to get rid of Gregory Pennington, and demand back all of the fees you have paid them.

 

These companies are only in it for your money, STOP paying GP, demand back all of their fees, and demand to see the entire history of ALL the payments they 'claim' to have made to these creditors.

 

PLEASE, stop throwing your money away.

 

I appreciate that it might have seemed a good idea at the time, but seriously, outfits like GP are only out to make profit from you.

 

If any of your creditors contact you in the future, then come back and tell us what they said, if your credit file is clear, then it is highly likely that you either didn't owe the money in the first place, or it is now so old, that they have dropped off your credit file (6 years from date it was placed on your file).

 

And if it is the latter, then the money you have been gifting GP has gone into their pocket.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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oh god not the grabbing penny's

 

 

fleeced blind.

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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Oh dear, you've been royally shafted!

 

You seriously need to get rid of Gregory Pennington, and demand back all of the fees you have paid them.

 

These companies are only in it for your money, STOP paying GP, demand back all of their fees, and demand to see the entire history of ALL the payments they 'claim' to have made to these creditors.

 

PLEASE, stop throwing your money away.

 

I appreciate that it might have seemed a good idea at the time, but seriously, outfits like GP are only out to make profit from you.

 

If any of your creditors contact you in the future, then come back and tell us what they said, if your credit file is clear, then it is highly likely that you either didn't owe the money in the first place, or it is now so old, that they have dropped off your credit file (6 years from date it was placed on your file).

 

And if it is the latter, then the money you have been gifting GP has gone into their pocket.

 

I stopped paying Gregory Pennington a number of months ago now as I came to that conclusion.

I am not going to make another payment to CapQuest and we shall see where we go from there.

 

 

I did a CCA and the letter from post one is what I received in reply

- which I dont know if I should just ignore.

 

Like I said the only thing on my credit file for Halifax is a credit card with a max balance of £1000

 

Halifax Credit Card 31/12/2010 Settled

 

It also shows as no missed payments.

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have you a capquest ref number

 

 

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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so did you not use that in the CCA request you sent to cabot?

 

 

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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I think i'd be inclined to copy that lot

and post it to crapbot...

 

covering letter stating that even Halifax have no clue

what supposed debt you have fleeced me on for XXyrs.

 

should you fail to honour my CCA request within a further 14 days

I hereby demand all my payments back.

 

............

 

sadly you'll prob find this with many of your debts

blindly paid through the greedy pennies..

 

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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How does this sound?

 

Dear Sir/Madam

 

I am writing with reference to the above account.

 

 

On 27/05/2016 i sent you a CCA request.

You forwarded my request to Halifax.

Please see the enclosed copy of their reply.

 

 

As you have failed the request and are unable to prove any information, I demand ALL my money repaying.

as you don't even appear to know what the debt is originally for.

 

 

I remind you I am still waiting for a response under the Consumer Credit Act 1974 (sections 77-79).

I will be kind and give you a further 14 days to supply me with the requested docu-mentation.

 

I look forward to hearing from you.

I will NOT deal with this matter via the telephone only via post.

 

Yours faithfully

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please don't ever use the word basically in a letter

its very bad English even in the spoken word. should be banned!

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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try it now

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...

Just had a letter from capquest saying

"thank you for your recent communication

we have been advised by our client that they have issues the documentation requested under the Consumer Credit Act 1974 directly to you. Please contact us to confirm that you have received the documentation"

 

I have not had anything other than the letter from Halifax as above. I am sure I am just looking for confirmation that I just need to ignore this.

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Defo ignore them now.

 

Shallowfax have failed,

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Hi,

I have sent a few requests to Halfiax using the number on the letter they sent me to notify me they are transferring my debt from capquest to wescot

 

It says

I refer to your recent letter, however unfortunately I am unable to locate an agreement using the information supplied.

 

If you have not already done so already, can you provide me with the following

  • Type of Account
  • Full address details (including all previous addresses)
  • Any Change of Name
  • Date Account opened
  • Agreement Number

 

You may be able to obtain this from any bank statements displaying the direct debit associated with the agreement.

 

I apologise for any inconvenience caused and enclose your original documentation.

 

This is the same response as last time. I am assuming they don't have the details considering I am using the same refrence number they are chasing me under plus they have my address as they have sent me a statement.

I also sent an SAR to them which looks like its been forwarded to the customer services.

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What exactly have you sent, it isn't clear?

 

They have 40 days to send you your SAR.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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keep to one thread eh..

 

then we'll know what you are going on about please

 

threads merged

 

 

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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so did you get your moneyback from the fleecers greedy penny's were paying?

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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