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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
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      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) 
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      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
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      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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shellbells1982

Capquest and old HBOS Aqua card - now newday - No Default listed after yrs of self DMP use

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Aquacard

- Account in arrangement with CapQuest to pay £5p/m, current balance is £1,200.

This doesn't show as a default on my credit file.

Notes that its in arrangement

 

As I've been checking my credit file my CC debt with Aqua card doesn't show as defaulted with Aquacard even though I know it did and the debt was passed over to CapQuest after AQ asked me to stop paying an agreed fee with them

 

Shouldn't - as with all my previous credit debts show as defaulted? It appears as though CQ have taken the account on as their own

 

My CC with Aqua was defaulted in April 2006 so would be SB by now

 

CreditFile.pdf

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My issue is with CapQuest and an old Aqua card account taken out with them (RBS Bank in 2006). I cannot find a copy of the default notice from Aqua, (I definitely received one) and it no longer shows up on my credit file. CQ has not come forward with my CCA request, when I disputed the entry with Experian CQ lied and said they supplied me with it.

 

I defaulted on the AQ around 2011 I used to pay them an agreed £5 p/m until CQ took it over in 2014 (looking at bank statements) and I paid them £5 p/m via SO up until 2017 - as per the start of this thread

 

Aquacard - now New Day haven't responded to my SAR. I sent this Oct 2018. The 40 days is up

 

CQ - wrote to me saying my account is now being managed by NCO Europe. And are now registering -number of months late payment on my CF

 

Any suggestions on where to go from her regarding CQ?

 

Thanks

Not one DCA is still yet to come forward with the CCA, though all responded saying they'll provide it

 

Capquest has since notified me that my debt is now being managed by NCO Europe Ltd

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Ring new day ask defaulted date


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Finally! Got my SAR back from New Day can now hopefully sort that Aqua default that CapQuest have

Some info missing though they have said they’ll follow it up

For now, highlighter pen ready.....

 

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I've an old Aqua debt, the card was taken out in 2006

 

Eventually couldn't manage the account and was stacked with late payment & over limit fees

ALWAYS made payments by DD each month still and never or very rarely missed a payment

In 2011 was made redundant from my job at that time and went into a payment arrangement with them

 

I recently did a SAR with New Day

-  and from what I can see from memo logs I went into a 12month arrangement plan with them directly of £5 pm 0% 

I was indeed paying a fiver a month until they abruptly cancelled the arrangement and passed me over to a DCA

 

I've a letter from Call Quest (Now Cap Quest) dated 29/11/12 of a notice of assignment 

I did transfer my payments over to Cap Quest

- until as of 2017 when a CCA was requested and not sent, payments were cancelled immediately 

 

My issue is with CapQuest passing it off as their own on my credit file

No default date has/was entered and I cannot find a copy of the default notice from Aqua, (I definitely received one) and Aqua no longer shows up on my  credit file.

 

Since my recent SAR with New Day, I've had to phone and write in and complain that no letters of correspondence to and from them was included in all the data sent

But from what I can make out from memo reports and comms log:

- 22/08/12 memo report that 12mth arrangement for £5 0%

- 20/22/12 memo report; Acc Referred to Debt Manager 

- last payment made to Aqua was 31/12/12 £5

- 28/02/13 memo log of debt sale - Call Quest

 

Is it the DN from Aqua that I need to make a case to CQ to remove the entry on my CF? 

 

From all my statements I can see no missed payments, if no consecutive missed payments in a row and I was on a pay plan with aqua, what would be the legit reason for them defaulting me and or passing me to a DCA?

 

As the entry by aqua is no longer showing on my CF would CQ have to correct their current entry to aqua's defaulted date should I get/ find the proof?

 

Thanks 

 

 

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So no defaulted date

Other creditors can't see the calendar part so it's not harming You?


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CQ update/report the account to the CRA's 

They report failed payments so its totally harming my credit score 

Screenshot .png

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So get it defaulted at the correct date for the I co rules at the time and it should then vanish


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This is what I'm now trying to get from aqua, wasn't included in the SAR docs that they sent

It's a copy of the default notice letter that I'll need from them to request capquest to remove/ put a correct date?

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Nope 

The only proof is you think you got a DN

but theres no proof of this

so.

Write to aqua and demand they default it retro dated

are you sure this was not an old halifax aqua card latterly farmed out to newday


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Ok,

Yes - should've noted 1st that this is originally a Halifax aqua card

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aha guessed right

send HBOS an sar then.

thread title updated and moved to HBOS forum


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Lets get all the info

Then we'll plan

I will guess it was still with hbos when the dnp started?

Cause newday nor its predecessor existed back then

Dx


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Great

Yep, it was 

I'd done PPI and all that with HBOS 

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But nothing on this card from hbos in your ppi sar? Or you never sent one so trusted the OC to tell what ppi should get back🤐


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I've found/got a bunch of documentation from 2011 of my ppi claim with HBOS/Aqua, sent them a CCA, calculated it and I did the claim myself. I 'won' that in Nov 2011and went on to win Cap One and Vanquis too 

 

Silly, but I'd actually forgotten that this account was originally halifax and until you'd said DX I could've sent HBOS a SAR in the 1st place. I just automatically went with new day.

 

ive been trying to ascertain too - difference between notice sent and an 87 default notice

 

Also, if you're on an agreed payment plan with the original creditor what's the 'rules' or legit reason they can sell your account to a DCA?

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they don't need any reason to sell and don't have to issue a default notice

a default notice must have been served to bring court proceedings.


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I'm really hoping that HBOS provide everything I need in the SAR and I can get this entry corrected on my credit file. Otherwise with the entry the way it is at the moment CQ won't default it and it'll be stuck on my file forever reported on

 

 

 

 

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So still waiting for my SAR to be processed from HBOS, they sent me a letter last week saying sorry we don't know who you are so had to ring them to say this is a old account, after a bit of hanging on and insisting they said they'll process it

 

From the SAR that NewDay processed I've seen this in the coms log, debt was sold to CQ in 2013

 

On my credit file CQ are parading it like I have an account with them as of 2006! With this info - debt sold, is there anything I can do to have my credit file amended?

Scannable Document on 10 Apr 2019 at 20_29_06.pdf

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make the oc default the account at the correct date for the ico guidelines in force at the time.

then it will vanish


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Even though they've already dropped off my file? - OC

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by they I assume you mean the entry under hbos name.

 

yes ofcourse you can.

then the cq entry must vanish too as the debts defaulted date will be more than 6yrs old.

 

and cq cant change that date.

 


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Yep - I meant HBOS 

 

OK, great I'll get letter writing to them now 

 

thanks Dx

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