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Capquest Have 3 of my debts


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Hi All,

 

i have 3 debts Capquest are writing to be about

 

- Student loan (old style) £4000

- Overdraft £1000

- Orange bill from 2005?! for £380

 

firstly i sent them a template on here 'i dont acknowldge...' CCA request, nothing yet more letters,

i recently sent them a 'prove it' style -

 

 

They finally replied.

 

- Student loan letter they have not responded to?

Shall i send a letter again? I did request a CCA from Erudio and they sent me pieces of this

 

- Overdraft response was very generic:

'We have been advised by 'bank' that section 74 of the CCA 1974 provides that an overdraft on a current account will not fall within the documentation requirements of the CCA. Therefore we are not providing a copy agreement for the above'

Doesnt leave me with a very good idea of anything right?

 

- Mobile phone bill - they replied with the following:

'- This debt relates to Orange.....

- Account was taken out in 2007 and purchased by Arrow global in 2010

- The account defaulted in 2008'

 

Am i right in that this debt should no longer be active.

Firstly im NOT aware of it at all, they have show no CCA or proof, and isnt it statute barred now? Still on my credit file.

 

My uncle has been kind enough to lend me money so i would settle,

but first off i dont know who the hell Capquest are and they are not responding accordingly to me.

 

Any advice is appreciated

 

Many thanks

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stop entering into pointless letter tennis with a powerless DCA!!

 

 

make a new thread in the student slc forum for that one.

 

 

if you've paid nowt in 6yrs tes a debt is statute barred.

 

 

but it wont drop off your credit file till the default reaches its 6th birthday.

 

 

when did you last use the OD?

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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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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leave the orange debt along its statute barred no need to do anything.

start a thread for the OD in the named bank forum.

 

 

one debt to ONE thread please

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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Capquest dont chase legit debts. Ignore them. By talking to them youve been marked as gullible.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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