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    • good you've learned to copy and paste.. now you need to answer the questions.....   where each one says Give answer here click it & just type your answer   as for all your documents, emails, appeals/replies etc there is a fully detailed upload<<clickme guide redact anything like pcn/ref no's, addresses, reg no's, pcn,email addresses of YOURS (ie anything they can use to ID you on here) but LEAVE all times/dates costs etc
    • Wait and see what they offer you then.  As I said above, if they have made a mistake it is possible that they might decide not to proceed out of embarrassment, even if the error is not such as to disadvantage you.  They did in SpeedyCBR1100's case.  You might get lucky too.
    • f you have received a parking ticket or a letter concerning a parking ticket:   Firstly, please check whether this is a PENALTY charge Notice or a PARKING charge. If this is a PENALTY charge notice from a County Council or TfL , please click HERE   Do not ever use or give an email address to a private parking company or their dogs   Choose the relevant section below: WINDSCREEN OR ANPR [for ANPR there will be TWO PIX of entry/Exit] copy and paste the relevant questions section to a new reply msg box in YOUR TOPIC...answer each question at its end..hit send/post   For a windscreen ticket (Notice To Driver) please answer the following questions....   1 The date of infringement? Give answer here    2 Have you yet appealed to the parking company yet? [Y/N?] Give answer here YES   If you have then please post up whatever you sent and how you sent it and the date you sent it, suitably redacted. [as a PDF- follow the upload guide] By email Has there been a response? Give answer here   Please AS A PDFFILE  ONLY ..post it up as well, suitably redacted. - follow the upload guide]   If you haven't appealed yet - .........DONT ! seek advice on your topic first.   Have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] Give answer here   What date is on it? Give answer here   Did the NTK provide photographic evidence? Give answer here   [scan up BOTHSIDES to ONE PDF of the PCN and your NTK - follow the upload guide]   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?] Give answer here   4 If you appealed after receiving the NTK, did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Give answer here   5 Who is the parking company? Give answer here   6. Where exactly [Carpark name and town] did you park? Give answer here   please do not put JPG Picture files into your post   .............................   For PCN's received through the post [ANPR camera capture] (must be received within 14 days from the Incident)   Please answer the following questions.   1 Date of the infringement Give answer here     2 Date on the NTK [this must have been received within 14 days from the 'offence' date] Give answer here   [scan up BOTH SIDES as ONE PDF- follow the upload guide] please do not put JPG Picture files into your post   3 Date received Give answer here   4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? [Y/N?] Give answer here   5 Is there any photographic evidence of the event? Give answer here   6 Have you appealed? [Y/N?] post up your appeal] Give answer here   Have you had a response? [Y/N?] post it up Give answer here   7 Who is the parking company? Give answer here   8. Where exactly [carpark name and town] Give answer here   For either option, does it say which appeals body they operate under. Give answer here   There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE   If you have received any other correspondence, please mention it here   Copy the windscreen or ANPR section to your thread and answer the questions... …….... In either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY please do not put JPG Picture files into your post I really don't know how to put all the emails and letters into a PDF and then  put them here.  I have written to all and sundry and have dozens of emails.  The last development was the Cllr for RBKC saying she can do no more but has got the payment date extended to the 5 August and am now waiting for the response from CEO of Peabody or his Media assistant. I find this site difficult to navigate and need someone to help me with technicalities.
    • Thanks for the update   FRB = future revenue benefit   Can you upload the letter you refer to in the last para of your last post but hide all identifiers  - see out upload guide.   I may suggest you send them the same letter I suggested in the post here, but you should alter it slightly to make it your own - https://www.consumeractiongroup.co.uk/topic/435744-hmrc-asking-me-to-repay-fast-tax-rebates-ltd-scam-rebate/?do=findComment&comment=5122682  
    • From Sunday, government payments reduce to 60% towards salaries, with employers paying 20%.View the full article
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Capquest/Erudio/Calls/Hassle/Texts...


mutilatedlip
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Hi All

 

I've been a silent reader of this excellent forum for some time now, but as of now I need a little help/friendly advice.

 

I had an old stlye SLC loan (pre-97) which I'd deferred for many, many years, moving address along the way.

 

Hadn't heard anything for years, then some Erudio letters arrived via an old address, which I ignored (not always the best course of action), and recently I've also received letters from Capquest who I gather are one and the same.

 

Alongside this, I've had calls/texts and have been harassed extensively. Occasionally, I've tried to engage in conversation, but I can't actually get through the data protection checks they ask for at the beginning of the site.

 

Usually, I'd just follow previous advice and ignore - as a lot of people here have done on here.

 

However, and this is where it gets weird. I was forwarded a letter dated last week from Capquest which I subsequently binned, and haven't actually spoken verbally to anyone about this.

 

This morning, my work phone rang, and a guy claiming to be from TM Legal was trying to get hold of me. How they got my work phone I have no idea and was quite taken aback. He asked to put me through security, and I refused as I was at work. (open plan office etc.).

 

Googling them reveals they are a legal firm based down South who deal with CCJs.

 

I checked my credit file, and did a search on the Trustorg site, and nothing is showing up.

 

I'm a bit confused, and have no other outstanding debt whatsoever.

 

What would you do? Would anybody advise sending Capquest/Erudio Statute barred letters?

 

Or just ignoring extensively. I'm pretty sure I've not spoken to them in six years, but I honestly can't recall the last time I sent deferral stuff. Could've been around 2012, but I'm really not sure of this. In addition, I've categorically NEVER spoken to Erudio direct.

 

Any advice would be very much appreciated.

 

 

Kind regards

M

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TM Legal are nowt to do with Arrows group [capquest/erudio etc etc]

they chase Pay day loan debts.

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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Check your credit file

 

Someone could have used your details from mail to old houses because you didn't tell your old creditors you'd moved?

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'm a member of the Experian site, and I regularly ensure all my details are up to date etc. and there are no rogue entries on there.

 

I've always kept creditors up to date. Just not the SLC.

 

Very peculiar. It was the only thing I could think of. I received a letter from Capquest last week saying they'd previously written to me (they certainly had not), but just binned it.

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oh well whatever TM legal are upto remains a mystery.

 

 

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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Hmmmm. Interesting.

 

Well I'm not getting through their security, and I'm loathe to discuss stuff on the phone.

 

I guess they'll have to put it in writing. My credit file is up to date, so my new address is on there if they're that desperate to search.

 

Thank you for your input.

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its not a good idea to keep ringing people esp if its a DCA or their fake/tame solicitor?

 

 

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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Agreed.

 

I was a little shocked when my desk phone at work went. That's quite a shocking and threatening move intent on intimidating.

 

Could be pure coincidence. They didn't take me through security anyway.

 

And surely any company ringing would try and send a letter. I'll just keep ignoring it and fail their security.

 

I've never once discussed anything regarding the SL over the phone, back with SLC and definitely not with Erudio. So many strange calls nowadays it's difficult to vet them all. Best option is play dumb via the phone. If anyone needs to contact, I'm sure they'll write.

 

All post is forwarded from previous addresses. I'm just not updating them with new details.

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well if you are getting ALL post and quickly

then you should be ok

 

 

in claimform packs [no don't panic!!] that really need very quick intervention upon...

 

 

I recon someone has used your details somehow.

 

 

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 hope not!

I'm pretty well covered

- I subscribe to the Experian service, and have web tracking etc. on all my details.

 

You know when you absolutely rack your brains but can't think of anything...

 

Have many people received CCJs following the Erudio/Capquest debacle?

 

I really cannot recall if I deferred back around 2012 or not.

I've never spoken to these people via the phone.

 

If I were to send an aggressively worded Statute Barred letter, as per the template, and demanding they no longer contact me, and add in I've never signed an agreement with Erudio,

 

do you think - were I to have actually deferred with SLC

- they'd have it together enough to be able to produce copies of my deferment letters?

 

Or should I just consider the 'if I don't hear within 21 days' as gospel, and completely ignore if this timescale passes?

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there were a couple of what we now believe to be spoof threads elsewhere

that claimed to have gotten claimforms from erudio regarding SLC loans that they bought in that mass Gov't sale..

 

 

..but they were later bebunked as they refused to actually post up any proof

and a search of the relevant court records found no such cases.

 

 

erudio would shout it loud if they had ever gotten any, but ive not heard anything in recent years now since the govt sale.

 

 

id let things run.

 

 

its not ever a good idea to invite letter tennis by sending any letters

even if a debt IS statute barred.

 

 

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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its not ever a good idea to invite letter tennis by sending any letters

even if a debt IS statute barred.

 

 

dx

 

Wise information.

 

I read all the other threads, and did notice the lack of actual evidence pertaining to real letters of CCJs being issued by them.

 

The guy that contacted me yesterday didn't ring back, and nor did previous Capquest callers.

 

I think your 'next job next agent' style perception of them sounds pretty much spot-on.

 

Annoyingly, we're looking at 300,000 people. Shame we couldn't all protest and just stop communicating with them. They'd never manage.

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  • 1 month later...

Hi All

 

I received a random text from Capquest providing me with a link to a letter that was 'awaiting' me.

 

I deleted it and didn't click, but if you click on it, I'm pretty sure they could count this as you having read the letter.

 

Just a heads-up. This is the first contact I've had since this thread started a couple of months ago.

 

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nope doesn't work like that

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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