Jump to content


  • Tweets

  • Posts

    • Thank you for the above Andy. I’ve not stated to Shoosmiths that I have not signed the agreement, however at the time I didn’t really understand the agreement, it was just put in from of me, and told to sign. I did also sign a document saying it did not require legal representation.   What would you suggest as my next steps? 
    • Barclays have finally responded to my friend on this asking for  Date of birth, all previous addresses, any former names and account numbers she has.   I don’t think my friend included a council tax bill (I did when I sent my Dad’s DSAR to Barclays last week!).   Do they need all this info?
    • There is no statutory provision requiring a witness in these circumstances to be independent. However the purpose of having a witness is so that they can provide unbiased evidence of what was signed and by whom, if required in the future. Therefore a witness should be independent and it is best practice to interpret this widely. A witness should not be the signatory’s spouse or partner or a family member, and should not have a personal interest in the provisions of the document. Case law has confirmed that a party to the document cannot act as a witness to another party’s signature. It is advisable that a witness is aged eighteen or over.   More importantly ...One of the distinguishing factors about the execution of a deed as compared to a contract is that a deed must be “delivered”. Delivery fixes the date from which the executing party is bound by the deed, and once delivered, a deed is irrevocable in the absence of an express right of revocation. At common law, a deed is delivered when a party expresses an intention to be bound by the deed, even if it retains possession of the document.   The best way to deal with delivery of a deed is to have clear wording in the document setting out that the deed will be delivered on the date appearing at the head of the document. Where a deed is executed by a company, legislation provides that it is presumed to be delivered on execution, unless a contrary intention is proved. There is no such presumption for execution by an individual. Clear wording in the document confirming the position on delivery will avoid confusion and unintended consequences.   https://www.osborneclarke.com/insights/signed-sealed-delivered-execution-of-deeds-and-documents-and-how-it-might-go-wrong/
    • ok increased to 3.5mb now and numbered and titled each page   FYI- the quality of the terms are unreadable even before scanning   thanks jpg2pdf(1).pdf
  • Our picks

    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Thanks
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
Lancashirelass1

Citi, arrow, Cap quest remediation of account letters today?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 224 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello all,

My very first post ever on here.

Please can I bend ears, pick brains as I'm confused about the letters I've had today.

 

Letters in my maiden name, I was married in 2003.

Debt amount 943.43

 

I understand the letters are stating they are a statement from year 2012 right through to 2018.

Stating they haven't applied interest or sent statements and I do understand this with an apology.

Original debt citi financial

Then it's saying passed or changed to arrow and now cap quest have got the debt.

 

I do recall cap quest contacting me on my mobile a few weeks ago, I didn't recognise number so did a Google search.

Didn't ring them back and thought nothing of it.

 

Today came home with letters with different dates from 12 to 2018.

Every single ccj or default has been lifted off my credit file 2 months ago.

 

Following a painful debt paying process I can honestly say this has blown me.

I'm worried.

I have paid everything and now I've got this.

 

On one of the statements in May 2013, it appears I've paid AND I do not recall me ever paying this, but a 15.00 payment has been made.....

This has thrown me and no idea what it means.

 

The start of letter reads, fixed term credit agreement, with ms E Maiden name and citi financial.

 

If you require further info or for me type out what they say, each letter is the same, just different years.

However, each year is dated 1st May 2012, then 1st May 2013 etc.

Checked out the days unless they work on a Sunday....

 

The only letter that's different is one printed this week.

 

It's ref is remediation of account.

It is from Arrow and makes no ref to cap quest apart from saying if wish to discuss at bottom.

Stating under rules cca 1974 stating required by law to write and noticed that we haven't written to you.

 

Further saying that a full review of my account and failed to provide me with statements since May 2011.

To remidy this, we have compiled all your statements.

On the what does this mean to you.

It states, this exercise does not affect your account, repayments or your obligations to repay.

 

If anyone knows what it means and what I need to do.

Not sure about this payment In 2013 either.

 

Not sure the action to take on this

Not sure the action they can take on me.

 

Thank you

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

Ignore it. It sounds like an automated letter. Theyre also very well known for making up fictitious payments


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

Share this post


Link to post
Share on other sites

Thank you renegadeimp..... I've got a recording app on my phone, I forgot I had it. Just listened into a message I've left. States a personal call for Miss...... I haven't been called that since 03. He sounded scary!

I won't reply to this, I won't answer my phone either. It seems since I've blocked them, they've contacted me 58 times!!!!!!

Share this post


Link to post
Share on other sites

Ignore all calls. If they were legit, it would be in the form of a letter. The fact that they dont hold any current info shows its a junk debt and theyre trying their luck.


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

Share this post


Link to post
Share on other sites

I would suggest that these statements are just them catching up with a mistake CITI the original creditor has made when they have sold this debt onto the Arrows group [capquest are part of this group]

 

Arrows are debt buyer that purchase debts for about 10p=£1 then try and fleece the unaware out of the full amount with lots of scary letters and threats.

No DCA is a bailiffs

and have

ZERO legal powers.

 

now onto the important bit..

 

this phantom payment of £15 in 2013

its not unusual for DCA's to invent phantom payments to extend the statute barred date to within 6yrs.

 

are there and other payments showing prior to this?

in otherwords, if this payment was not listed your debt WOULD be statute barred [6yrs of no payment}?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...