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Capquest shop direct debt - No notice of assignment from OC?


clemma
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I'm not sure if rules have changed or not but Capquest have sent me a letter informing me that "ownership of your account has now been transferred to Capquest". I'm assuming by ownership, they have purchased the account.

 

I have received nothing from the original creditor (Shop Direct). I was always under the impression that if a debt was sold the OC should send a notice of assignment.

 

What should my next step be? I don't dispute I owe the money and it's no where near statute barred, but I don't understand why I should pay Capquest anything when I've had nothing from the OC. Any help would be appreciated.

 

OK, so I've read their Data Protection Act notice they sent with the letter and they have definitely purchased the account.

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

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Either can send notice.

 

Andy

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Ah, OK. I always thought the OC had to send notice too. Must have changed over the years :)

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Thank you. I only ever write to DCA's. Never had the pleasure of Crapquest before :/

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Moved to the mail order forum

Get an sar running to SD

Get all the statements?

 

What's the info from your credit file?

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 have the last 6 statements from Shop Direct...will I need more? Credit file says Capquest and was updated 7th September (they informed me today, letter dated 1st Oct). It's also defaulted yet I know for a fact I did not receive a default notice! £114 has also been added to the default amount.

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Look for for £12 fees

What's the defaulted date

When did you take it out?

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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Share on other sites

Defaulted February this year, took it out Jan 2014.

 

There are £12 fees on the last 3 statements I got from them.

Balance on the last statement is £536.

That's also the default amount.

 

Capquest say £650 is owed.

SD wouldn't accept any payment plan unless I paid over and above the interest which I couldn't afford.

 

I'm pretty confident Capquest will take whatever I offer them

. But I'm miffed about this £114 extra and no NoA from the OC.

 

I really thought Shop Direct were supposed to send one.

Shows how much I've fallen behind on my DCA'S stuff!

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Never was any requirement for the oc to send an noe

Can be from the buyer on their copied oc's letterhead

 

Get an car off to SD get all the statements

Send capquest a CCA request

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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Share on other sites

I'll get them sent off tomorrow. The NoA didn't even come on Capquest's copied OC's letterhead. Just their own. Nothing at all to show that Shop Direct have anything to do with it other than their say so. That's why I originally posted as I thought it odd. But hey ho. Will see what they both send back. Thank you :)

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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