Capquest now resolvecall doorstep threat

[Simon1959]

Just a quick update National collections office have today offered on behalf of capquestc a 50% discount on the £940 balance owed

This is time limited until 10th October obviously they have no signed credit agreement or they wouldn't be offering a 50% discount

Is it safe to say another one out of the milking parlour

[Bazooka Boo]

Excellent, yes 50% discount is their secret code for, ''We've got nothing''.

 

 

You can always ignore their arbitrary time limits too. They have delusions of grandeur!

[Simon1959]

Just a quick update National collections office have today offered on behalf of capquestc a 50% discount on the £940 balance owed

This is time limited until 10th October obviously they have no signed credit agreement or they wouldn't be offering a 50% discount

Is it safe to say another one out of the milking parlour

 

And this has now gone up to 60% discount

[dx100uk]

And this has now gone up to 60% discount

 

give us something before we have to realise we bought a lemon.

[Simon1959]

On 11/10/2018 at 18:01, dx100uk said:

 

give us something before we have to realise we bought a 

Capquest have know taken ownership of this debt from national collections 

Looking at both sets of paperwork They look to be the same company am I correct 

[renegadeimp]

If capquest have it then you know for sure its a defunct debt

[Simon1959]

Thanks i thought as much when it was offered at a 60% discount a few months ago 

[Simon1959]

Letter from capquest who took over from national collections of £960 debt 

As mentioned above they offered a 50% reduction then a 60% reduction 

The latest letter from them says if they dont hear from us by Oct 31st they will arrange a home visit from  resolvecare without further notice 

 A :Should I just ignore it 

B : Send a CCA request ( which has been done previously) 

what's the likelihood of them attending my property and if they do what is the best cause of action 

Thanks 

[dx100uk]

resolvecall...used to be scotcall

no dca's be them by phone, letter or at your door have any legal powers and are not bailiffs.

 

dx

 

[Simon1959]

Ok thanks from experience would you say they are bluffing or are they likely to visit 

[dx100uk]

so what.

film them 

tell them to leave your property and not return else you'll call police 101

do not ever engage further.

 

what was this debt originally about?

[Simon1959]

Next store card 

[dx100uk]

I though cabot had your next card or are there two next debts?

 

[Simon1959]

Yep sorry it's a solutions finance card account 

They seem to be playing pass the debts around to each other which can make it confusing 

I need to sit down dig all the letters out of the box I put them in and file them for each separate debt 

I have CCA this debt originally I think it was about 2 years ago 

[dx100uk]

please do and confirm who the original creditor was please

 

 

[Simon1959]

Solutions finance credit card 

[Simon1959]

Ok sorry it says solution finance on the letter but it was originally a littlewoods account 

[dx100uk]

blimey 

that card must go back to the early 2000's

 

originally a store card

then was changed to a credit card under the littlewoods name

then I believe eventually they went over to it being a littlewoods branded Barclaycard.

 

I would suspect, you signed no new credit agreement when it went fron a limited use store card to a credit card

so for a start that's against the consumer credit act [see the M+S store card debacle in the M+S forum]

 

they'll never get an enforceable signed agreement, as there never was one.

 

ring any bells.??

 

dx

 

 

 

[Simon1959]

Yes it does maybe that's why they offered 50% and 60% discounts I would think it dates back to about 2000/ 01 

Another just ignore I take 

I have cameras at home which record so I'll see them if they come calling 

[Simon1959]

Resolvecall  visited this afternoon  I saw it on my camera 

Are there any guidelines about home visits such as frequency of visits times they cannot visit for example in the evenings weekends 

Thanks 

[dx100uk]

why they cant do anything...

[Simon1959]

Just wondered if there allowed to knock while I'm watching I'm a celebrity 

[Homer67]

A DCA can knock on your door whenever they like, it would only be harrassment if they repeatedly did it.

Just ask them who they are before answering any questions such as 'Are you Mr X?' and when they say they are a DCA just tell them to bog off and shut the door.

Film them if possible.

[London1971]

Trying to fool people into thinking they are bailiffs.

[Simon1959]

She can stand outside all night if she wants it's all on CCTV and its freezing outside