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Nomore Baloney

Capquest coming out of the woodwork

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My wife has been paying off a credit card debt since 2012 at the rate of £5pm. She has never missed a payment and currently owes £798. We don't dispute the debt as we jumped through  the hoops back in 2011 and it looked, after advice on here that it was enforceable.

 

All of a sudden, Capquest are now sending ssnotty letters demanding that she get in touch as the 'balance remains unpaid. She doesn't want to call them and would rather just keep paying the £5pm.

 

Any up to date advice to get them to stop their chasing. We really don't want to have to get into dialogue and start the inevitable how much can you afford to pay interrogation!

 

As it's under £800 are they likely to get CCJ ish. We live in rented accommodation now having had to sell our house 61/2 years ago.

 

I'm minded to send them a letter saying thanks for their interest but that's all we can afford.

Edited by Nomore Baloney

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Has she written with her current and correct address?

who was the oc?


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They have our current address. I'm fairly sure it was an Abbey National personal loan.Originally chased by Debt Managers and then passed along the food chain to Capquest.

 

The letter says the account may be returned to Arrow Global (who own them) who will consider passing the account to a specialist partner to recover the balance outstanding. Given that my wife has never missed a payment, that's a bit off.

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Wheres the thread with the cca return in it

You are safe to ignore them unless she has never written to them or the oc giving her current and correct address. Them writing to the correct address doesnt mean they cant file a claim to the old one if she hasnt

 

we normally see the above actions as a result of address phishing before backdoor ccj attempts


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

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We had a couple of issues back nearly 10 years ago, so not sure there would have been a seperate thread posted, but took the general advice on whether an agreement was enforceable and after all the info was in from the Abbey Nat, decided it was, so have been paying the agreed amount ever since.

 

Given your advice, might be an idea to confirm our address by recorded post, tell them its rented, and confirm the £5 is the most we can afford and would they consider a reduction to £4?

 

Just don't want our excellent credit score ruined, worked hard to recover it over the last 8 or 9 years - all the defaults etc have disappeared.

 

Do they tend to issue a county court claim for under £800?

 

Hoped we had seen the last of all this shenanagins!

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DCA's will issue claims for £100...

 

the debt was obviously defaulted more than 6yrs ago so all evidence of the debt is removed after 6yrs

and cannot comeback unless via a CCJ will show the public/judgements section of your file and kill any credit for another 6yrs unless its settled within 28days of a judgement.

 

if they have not legally in writing been informed of a change of address

they are quite legally entitled to file using an old address.

this is why it is so important to always advise of a change regardless to the debt age.

 

as the CCA was to the OC, and you've been blindly paying this to a DCA after sale [which should always be retorted too by a new CCA request]

I would send a new CCA request to them now.

 

that kills two birds.

 

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

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I have done  a little digging in my emails here going back to 2010.

 

It looks like Moorcroft were  the original DCA, then passed to Direct Legal Collections.

 

I think it was then sold on again before ending up with Capquest.

 

I'll send them a new CCA request and see what happens.

 

To refresh my memory, I take it they have to show me a copy of the original signed agreement or they can't chase.

 

Is there more complexity to that - I'm guessing there is!

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though you knew all this as you'd excepted the CCA was enforceable before?

 

Moorcroft and DLC don't buy debts

they simply chase for their stated client.

 

so eventually it was sold to capquest, part of the arrows group.

 

have you worked out what the debt was and the OC now then too?

 


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

spreadsheets 

 

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Yes, think it was something to do with Abbey National (as was)around 2010.

From memory, and it was about 10 years ago, on balance of probability from the advice on here and the info we got back, I concluded that it wasn't worth the risk of getting a CCJ and chose instead to pay them a fixed amount each month, which my wife has, without fail.

I see from records that Debt Managers were involved as well. I remember how charming they were to deal with..not.

 

We had a lot going on back then and this was just another small battle that we didn't need to fight as we had more fundamental issues to address for the sake of a few quid per month!

Edited by Nomore Baloney

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