CapQuest/drydens PAP LOC - old Cap1 Card debt

[Americanmuscle 1]

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!

[Andyorch 10,140]

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 wait 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 

[dx100uk 8,578]

what the debt please

 

 

[Americanmuscle 1]

18 hours ago, dx100uk said:

what the debt please

 

 

The debt is an old Capital One credit card debt

[dx100uk 8,578]

Send crapest a cca reqr

[Americanmuscle 1]

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)

[dx100uk 8,578]

did they ever reply to the CCA request?

 

dx

 

[Americanmuscle 1]

19 hours ago, dx100uk said:

did they ever reply to the CCA request?

 

dx

 

Crapquest did years ago when I did it

[dx100uk 8,578]

send a new one then

 

dx

 

[Americanmuscle 1]

What would be the point? surely they will just reply with the same paperwork they replied with last time

[dx100uk 8,578]

just do it please.

stop doing the DCA's job for them

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

[Americanmuscle 1]

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.....

[dx100uk 8,578]

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

[Americanmuscle 1]

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?

[dx100uk 8,578]

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

 

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