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Capquest/Drydens Letter of Claim - old Virgin/MBNA card


hamadryad
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Posted (edited)

I have filled in the form as you suggested, and typed up a CCA to go with it.

 

Lets see what transpires. Hopefully they will just bugger off, but I somehow doubt it!

 

Is it ok to use a cheque for the £1 fee?

 

H

Edited by hamadryad

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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:tea:

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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Do I take it that's a yes, or are you having your tea at the mo?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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I’ve sent the form off with a CCA, so it’s well within the 30 day period.

I put a cheque in it too, so I’ll see when that is cashed.

ltes see what transpires next.........

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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thats a good idea to give them a copy of your signature so they can copy and paste it onto fake paperwork from their filing cabinet....

did you not read all the posts in the CCA request link...

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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Share on other sites

My signature was covered by the printed name, so they can’t separate it and I’ve a different signature for cheques from my usual one too

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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😉 well be careful next time thats why we say use a PO.

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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Share on other sites

Point taken!

 

cheers

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

  • 2 weeks later...
Posted (edited)

Hi,

 

Rather stupidly I sent the form back to the address at the bottom of the claim letter.

The cheque has still not been cashed either!

Realizing my mistake, I wrote to the correspondence address they gave, refuting the debt on the grounds that they had not complied with a CCA request.

I enclosed a PO for £1 and didn't sign anything.

Is what I have done sufficient, or should I ask them for a new form.

 

H

Edited by hamadryad

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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what form? you dont use their form 

you use the PDF in the guide i pointed you too

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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Share on other sites

I used the letter from the section you pointed me to.

I left out all my details from their form, and refuted the debt for the reason you said.

ie they had not complied with a CCA request.

I sent a new CCA request with a £1 postal order.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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1 hour ago, hamadryad said:

I left out all my details from their form,

 

but you didn't use their form they sent you , the one with the letter of claim from drydens

you used the PDF from us on that link and sent that to drydens?

 

and you sent a sep CCA request too, to the debt owner Capquest?

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... 

Link to post
Share on other sites

No no. I sent their form back notated as you suggested and sent a cca request.

sent the letter refuting the debt to the correspondence address and a cca there too.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

why cant you reply in plain english:frusty::noidea:

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... 

Link to post
Share on other sites

Sorry.

I sent their form and a cca request to the address at the bottom of their letter.

the correspondence address was at the top of the letter & in smaller print.

I sent a letter denying the debt and another cca request to that address.

So, for the avoidance of doubt. I sent their form and a cca request, together with a £1 cheque to Dryden head office, in Leeds, and I sent a letter denying the debt and a cca request with a po to the correspondence address in Huddersfield. 
 

Sorry for causing confusion. 
 

 

H

 

Hopefully that means I’ve covered the bases well enough.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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i hope you didn't fill out their requirement for your in/out?

 

what you should have done.

which is very clear in post 2 here.

 

The Pre-Action Protocol for Debt Claims is made by the Master of the Rolls as Head of Civil Justice. 1st Oct 2017 - Court Procedure and General Guidance - Consumer Action Group

 

i assumed from your other thread you'd read and understood it

 

no matter lets wait and see.

 

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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Share on other sites

No!

 

I definitely didn't fill in THAT form.

Anyway, today I got the form I did fill in, (the one with the advised sections as per the link), with the cheque and a note saying it was being returned because it is no longer required.

 

I plan to send another cca request to capquest later on too.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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And so it begins......

Had a letter from Dryden this am, saying that they have received my complaint & that they are passing it on to arrow.

Separately I sent the cca request to arrow, in the form of the letter in #2 you referred to.

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Had 2 letters today.

1 from Dryden returning my postal order saying that it is no longer required, and 1 from arrow saying that there is no longer a fee required to process a cca request, and that my cca request has been passed to their admin department.

 

is there a timeframe in which they must comply with the cca request?

My memory tells me it is 12 + 2 days, is this true?

 

H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Share on other sites

12+2 working days, but as you aren't paying anyway now...

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... 

Link to post
Share on other sites

Hi,

 

Thank you.

My guess is that they will fail, as they have done before, so I guess I can carry on ignoring all correspondence.


H

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi,

 

Well I've heard back and guess what?

They say they are will make every effort to respond within the regulatory timescale, but responding by mail may take 8 weeks, and they've supplied an email address for 'my convenience'!

They say this is because of Covid.

I say tough!

 

Also got 2 letters from drydens saying they've passed it on to their clients.

 

I guess I can go back to ignoring them all again.

 

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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yep.

 

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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