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Capquest ignored my CCA request - TSB Debt.


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I made a formal request for them to prove it,

during this time, they finally stopped harassing me,

however kept asking me to provide the very documentation I've asked them to provide proof of.

 

They have come back just before the end of the 2 month time frame in which I officially complained about them failing to produce the CCA, stating they are refusing to uphold my complaint and are still waiting to hear back from TSB with a copy of the CCA, they claim in the letter that they have a record of a call in which I claim to be aware of the balance and I had an intention to start making payments.

 

I have SAR'd them to find out the basis of this, if they don't have a recording I presume its not enforceable as evidence?

My argument would be I would have presumed this was another debt I had ongoing at the time, which I am currently in a payment plan for.

 

In their response they did however admit their contact was harassing and offered a £100 cheque in compensation for this.

I have simply responded with a separate SAR and don't know where to go if they are ignoring my CCA request?

 

Should I go the ombudsman now?

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When did you send them the sar?

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Today after further reading around here.

Should I give them a chance to respond to the SAR so I know what info they have?

Is this the point of divergence so to speak?

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  • dx100uk changed the title to Capquest ignored my CCA request - TSB Debt.

i wouldn't bother with an SAR.

 

if you sent a CCA REQUEST and they've not complied within 12+2 working days.

simply ignore them till they comply.

 

a telephone call is NOT admittance.

 

when did you last pay/use the credit

and what type of credit was it?

when did you take it out?

 

and stop talking on the phone about any debt.

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on ANY DEBT , no matter what it's type

 

 

 

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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TSB standard Credit Card

last used I presume around March 16 before the May 2016 default, would have took it out the year before.

 

My concern about ignoring them is, they added the debt to my credit file AFTER I asked them to prove it, so at a stage were I cant really ignore?

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they didn't..a dca cant add anything to a credit file.

TSB would have and capquest inherited the entry upon sale.

 

just because a debt is on your file, doesn't mean it's enforceable. 

await the CCA return.

 

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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Arrow Global added the balance to my credit file on April 20th 2020 after me sending the prove it letter, it wasnt showing up until then? 

As for the CCA return this is my point, the allotted time frame for them to present me with it has expired, and they have failed to do so, so what should I do? 

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Then as already said you ignore them until they do.

capquest are arrows..just a trading name of the group.

 

Debt will show till the defaults 6ths birthday.

Then vanish from your file

 

Next time

For get useless prove it letter tennis

Simply send a cca request.

 

 

 

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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Apologies, I use the terminology flippantly. I have sent them the cca request. They are choosing to ignore it. I have took heed of your advice many thanks.

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:rockon:

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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  • 3 weeks later...

They have responded to my SAR by asking me to confirm my name, DOB and address, I'm curious if I should or not?

 

Also if I cashed a cheque they gave me in view of settling a complaint, I would not be admitting liability for the debt would I, and the request for the CCA would still stand? They have gone silent since their last mail out on this subject.

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You mean TSB have responded asking you for proof of identity ? That would be perfectly normal and fine 

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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Apologies, chain of events is

 

- none stop harassment for a few months over an old unknown/unaware debt

- Complained to capquest due to harassment and asking them to prove it with CCA

- Capquest admitted harassment and issued cheque for compensation considering the matter closed, but also said they were still looking for the CCA, but asked me for a copy if I had it

- radio silence since the cheque was issued and i'm wondering if they are waiting for me to cash it to apportion liability for the debt?

 

this has been ongoing for months, and I wanted a speedier resolution than waiting 2 years for it to disappear off my credit file, hence why I actioned the CCA req myself etc.

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cant hurt you.

how the beep can compo be admittance of any debt?

 

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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I was worried it would be another long battle trying to unravel a settlement as admittance is all, apologies if the question seems somewhat airheaded, but these are the original shysters this lot are they not

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The original creditor, if they are asking for proof of identity, you should provide it, so that they can give you an SAR.  Capquest, though who are the DCA, certainly not.

 

 

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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