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    • once a debt has had a default notice issued thus resulting in a defaulted date being registered, it reaching it's 6th birthday and thus removing the whole account, it can never comeback.   ok yes, if you fail to keep your debt owners updated with any subsequent moves, which you must for say 7yrs to be sure (which does not reset anything)  if if if a CCJ were ever to be attained and registered - that CCJ would show but not the debt itself return.   as long as a debt owner always has your correct address then a letter of claim if ever issued can easily be dealt with, but much better to comeback here in case wisdom on dealing with those changes down the line.   as for settling debts via an F&F to a dca that owns any debt - , totally pointless, in many cases it doesn't make it go away, they just await till 6yrs has almost expired then try for the rest or sell it on and they try for it, plus you giving the DCA free money to fund harassing everyone else they try and mug..   If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight...   
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    • No it's not on my credit file, never has been either 🤷‍♂️
    • Ok thank you. So, am I implying correctly that even though I am overseas, and able to have any correspondence to the UK address forwarded to me, there is still a chance that bankruptcy proceedings could be brought against me?   Selling the property isnt really an option.    Also I'm a bit confused. In reply ~12 the advice is to get the defaults and let them run their six year course, but if I make small payments wouldnt that keep the clock running?
    • Well, we have also been done by Yewtree Cars/James Harrison! We bought a Land Rover Discovery from him off a dealer site on 28th December 2020. He advertised it as 1 loving owner (true, I tracked him down on Facebook, really nice guy!) throughout the advert WOW full dealership service history, WOW new cambelt, WOW new MOT, WOW full valet including decontamination clean WOW, WOW, WOW!!! We paid £4500 for the car plus £280 for delivery from Solihull to Winchester. He sent 3 texts reminding us to ‘look after the delivery guy cuz he’s a top man’! Soon worked out that HE was the delivery guy! They dropped the car off and scarpered. It was dark when it arrived, initial thoughts were it was disgusting inside. I have never seen such a filthy interior. He even left his sweet wrapper inside. He drove the vehicle down to us (we thought that we were paying for a transporter). It was running on fumes, so we took it out to get fuel. Straight away noticed automatic gearbox slipping. Not a good start. Next day messaged dealer asking for the receipt, twice, he said that he was in Dubai (in his dreams!) for 2 weeks but would send it when he got back.  Before he delivered the car, he said that if we weren’t happy he would personally come and collect it. Sent him a message (I like to keep proof of conversations) to say that we certainly weren’t happy and wanted to return it. His reply was - SOLD AS SEEN, YOU GOT A CHEAP CAR! Thinking we would have to cut our loses, we had a new gearbox put in, only to find that the crankshaft had also gone and then the bottom part of the engine had to be replaced. Also the suspension at the front was leaking oil (mentioned as an advisory on the previous mot, which he said had been done). He forged an entry in the service book saying that it had just had a cambelt change (false Land Rover stamp), confirmed by previous owner and Land Rover. So, after 8 weeks of being at the garage and £7000 - YES £7000! later we certainly did get a cheap car from him. Are we going to let this go? NO! I have found out his real name and I am going to pursue him through the court until I get this money back. He is the worst kind of confidence trickster, a lier and a thief. We will have no hesitation in scouring Solihull for him, whatever it takes.
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      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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CapQuest/drydens PAP LOC - old Cap1 Card debt


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Was paying off an old debt they bought

wrote to them almost 18 months ago informing them of my then circumstance (serious road accident off work for 28 months with no income)

my repayments to them ceased due to lack of money but never heard anything from them in responce.

I returned to work in April of this year and with mortgage arrears etc completely forgot about the CQ debt,

 

a week ago I received a letter from them informing me of 'Notification of Account Transfer to New Agency'  (new agency being Drydensfairfax Solicitors), it states.

We are writing to let you know that the management of your account has been transferred to Drydensfairfax Solicitors'

 

On Aug 18 I received a letter from Drydensfairfax informing me who they are and that I have until Aug 23 to pay the full amount outstanding or to contact them.

 

Today I received another letter from CQ stating they have been unable to contact me to discuss my account so will shortly be instructing Resolvecall LTD to visit my property, if they do not hear from me by Aug 30 Resolvecalll will be instructed to visit my property without further notice.

 

Seems a very strange way to conduct business by passing an account to a solicitor then gearing up to insturct a doorstep caller to visit a property!

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Thats why you really have to disregard it all because they dont really know what they are  doing and try to think of the best way to intimidate you to call them..

File it all away and ignore.....but come back if you receive a Letter before claim or Pre Action Protocol pack.

 

Andy 

We could do with some help from you.

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what the debt 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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Send crapest a cca reqr

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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  • 2 weeks later...

I have received further communication from Drydensfairfax....

This is a letter of claim sent to you in accordance with the pre-action protocol for debt claims.It is imprtant that you read and understand the contents of this letter and its attachments.We are instructed by our client in relation to the above debt.If you do not provide proposals to repay this debt or respond as otherwise detailed in this letter and its attachments,legal proceedings may be issued against you in the county court yada yada yada.

 

On their payment offer sheet it states 'you have received this notice because a business intends to take you to court in relation to a debt,this notice tells you what to do next,including how to avoid court action.Please read it carefully'

 

As I was paying them £5 a month before I ran out of funds to continue I think I will write to them and tell them I can start paying the £5 a month again, or they can have a £500 one off full and final payment. (balance is £3800, obviously they didnt pay that hen they bought the debt)

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did they ever reply to the CCA request?

 

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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  • dx100uk changed the title to CapQuest/drydens PAP LOC - old Cap1 Card debt

send a new one then

 

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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just do it please.

stop doing the DCA's job for them

always put them to strict proof unless its wirhin the last 24mts.

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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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  • 2 weeks later...

I sent a CCA request to Drydensfairfax ( as Capquest told me they have handed my account to them), received a letter from Drydens today....

 

Please be advised your account has been placed on temporary hold while we contact our client with details of your query.

We are returning your cheque for £1 as this is no longer required.

 

We will inform you of the outcome as soon as a responce is received from our client.

 

Do they mean the £1 fee no longer needs to be paid and the CCA request is free or.....

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no that's why the guide clear states you send it to the debt owner - the solicitors stated client.

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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  • 2 months later...

Today after 2 & half months I received a letter from Capquest,it says....

'We continue to progress your query and are currently awaiting a response from Capital One'

 

Is there a time limit on them supplying the information requested,or do I just wait and see what they come up with?

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that's where the 12+2 working days limit plays its part if you are paying - you can stop!

as long as you are not paying, then no..

how unsurprising:lol:

 

must be busy getting fake paperwork together from their filing cabinet and inserting your details using cut n paste......

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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  • 2 months later...
On 02/12/2019 at 18:44, Americanmuscle said:

Today after 2 & half months I received a letter from Capquest,it says....

'We continue to progress your query and are currently awaiting a response from Capital One'

 

Is there a time limit on them supplying the information requested,or do I just wait and see what they come up with?

 

Have you heard back from your creditors, DCA or the 'solicitors' about your CCA request?

 

Rgds.

radmm0

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My experience with Capquest is that they won’t do a damn thing. Even if they come up with the CCA.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 9 months later...

today I received a letter from Drydensfairfax and if ever there was proof needed they are useless then this letter covers it!

 

Your requested document(s) are available, we have received the documentation you requested for your account.

Due to the Covid-19 situation we are unable to send hard copy documentation to you at this time.

We can provide you with this information via out customer portal, simply register and log onto you account etc etc....

 

Unfortunately our client has been unable to provide a copy of the Credit Agreement at present.

 

🤔

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it was a ploy to get your email address

should have ignored them.

 

now they can harass you for free.

 

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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sorry it read that was what you found after logging in.

 

well done..

 

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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