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Arrow/CapQuest -defaults -RE: mistaken identity - i've issued a court Claim for removal - help lost

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Dear all,


I have found these forums an excellent resource and would like to thank all the contributors! I hope I am posting in the right subsection of the forum.


I have posted back in Feb 2012 when Halifax registered defaults. I complained to the FOS. The outcome was an apology, £500 in compensation, about £250 in costs and about £2000 to accout for the additional cost a higher mortgage rate over 2 years. I as satisfied with this and moved on.


However problems have continued but with other companies piggybacking on the link Halifax/NatWest created. Most I have dealt by writing strongly worded letters and forwarding previous correspondence/experience with the banks.


However CapQuest and Arrow Global have been stubborn and I still have two defaults from CapQuest which do not belong to me. They have conceded that a mistake has been made but have failed to amend the records on one CRA. I again sought review from the FOS who advised them to amend the data and offer me £200 in compensation. They have still not amended the data.


I spoke to a Solicitor who quoted £2500 just to start looking at the case and issuing the initial letters to the companies involved!


I have now gone on to issue a Claim via MCOL. Please see attached document. I now feel I should have sought some help here before pressing the button and going ahead with this as I have just pain £980 in court fees, having no legal background. I think this was more out of frustration.


I will try and update this as I go along.


Thanks for all your help

CapQuest for CAG.pdf

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You have issued a claim ?


What particulars of claim did you enter ?


When did you do this ?

We could do with some help from you.



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You have issued a claim ?


What particulars of claim did you enter ?


When did you do this ?


1. Yes :|



1. I would like CapQuest to remove two defaults registered at 10 LPA

2. I want a full written apology from theHead of the organisation.

3. I would then like to seek compensation for all the costs incurred

a. Cost incurred due to difference in rates: £9,000

b. Maintaining subscription to Experian: £550

c. Cost of maintaining 6 months of future: £130

4. Legal expenses foramending title deeds for 15 MC: £300

5. Inconvenience and embarrassment: £3,000.

6. Damage to Credit rating and reputation £3,000 for each default Arrow Global Group entered. This includes one by Arrow Global and two by CapQuest.

7. Any and all legal fees incurred as a result of this process.


I will provide the defendant with separate

detailed particulars within 14 days after

service of the claim form.


3. Yesterday evening!


Detailed particulars was the document I attached. I realise now that I needed to include a 'statement of truth'. So I will have re-issue this. I beginning to realise that I did this in haste.

Edited by Beee
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Clearly from reading examples of 'proper' Particulars of Claim, I did not follow the correct structure. As a lay person, how important is this in court (if it doesn't get thrown out before it even reaches that stage)? Is there any degree of leniency for such errors?

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