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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Capquest chasing OH's old Amex Card Debt


tigeress289
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My wife has received a demand for monies owed by a company called Capquest.

They state that she owes £3476.00p on the 20/10/22.

The letter also states the debt is being handled by Resolvecall and managed by them.

Resolvecall sent an early payment offer of £2085.84p on the 31/10/22.

And the Capquest sent another demand for £5596.76p on the 9/11/22.

In the meantime I sent both companies a request under the Consumer credit act which was ignored as they stated it is online fake news?

 

So I then applied for a SAR to both companies.

Resolvecall replied stating it was being referred back to Capquest as they held the original debt.

 

Capquest in return replied today asking for full details of

Full Name

1st Line of of current address

Postcode

Date of Birth

Last address provided to the credit card company.

 

The first 3 questions were already supplied as they addressed the letter to the above.

 

I am reluctant to provide any such information and refuse to sign anything.

Has anyone had dealings with these companies as another name of Arrow Global has appeared as well.

And do we have to give anymore information as we requested the SAR.

 

Thank you.   

 

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all the same lot

 

whats the debt they are after please?

 

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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  • dx100uk changed the title to Capquest chasing OH's old Amex Car Debt

so very old amex card

 

 

if you've sent CCA request and to date they have failed

then very safe to ignore until they ever do or send a letter of claim.

 

what was the last time your OH used or paid it please?

 

dx

 

 

 

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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American express.

 

We cannot remember ever having an American express card. 

That is why we have applied for the SAR as we want details.

 

We cannot remember ever having one and theres no record on my OH credit report at all.

As for dealing with these companies we have not signed anything only requested proof of the debt claimed. 

 

6 hours ago, Homer67 said:

When did the debt default?

 

We cannot ever remember having an Amex card.

That is why we applied for an SAR to provide proof.

 

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an sar to amex wont give you the agreement.

and its pointless to ever sar a DCA.

 

Amex have sold the supposed debt to Arrows Group.

id be sending Capquest a CCA  request.

 

SAR's or Prove i letters are absolutely pointless

 

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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What is a CCA? 

So the Arrows group controls the other 2?

How old can a debt be because we are having trouble thinking at least 20 years but cannot even remember Amex if ever.

Edited by dx100uk
unnecessary previous post quote removed
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click cca request and read all the posts.

 

Arrows Group are a Group of companies bit like say a car maker, they have differing trading names.

mostly to scam people out of money by making them think a debt is going up some kind of chain.

 

A DCA is NOT A BAILIFF 

and has 

ZERO legal powers on ANY debt - no matter what it's type.

 

 

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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just type 

no need to keep hitting quote

we know what we said its above your reply.

 

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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yes they are most probably both.

 

go read a few threads in the debt self help forum here

 

get upto speed....

 

let's put it this way...

 

why, if they were enforceable or due, would a multi-£B international company sell a debt for <10p=£1 and not crush you in court themselves...makes you wonder.

 

HOWEVER. the real thing to ENSURE here is the DEBT OWNER, has your correct and current address, cause it could just be a phishing letter to see if you dont reply, cause if you've moved since last comms with Amex or the debt buyer, they could quite legally get a backdoor CCJ using an old address and get a default judgement, we call it a roboclaim, as no-human is involved in the process anywhere, be it SB's or not enforceable makes no odds...its automatically rubberstamp thru, by a computer, 

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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Sent CCA off today tracked. 

We had 3 calls on our home phone from Resolvecall today and wanted to ask if anyone knows how they got our number as 

we mainly use mobiles and very few people even have our number.

I cannot believe they are allowed to trade as this is not right.

 

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credit file, social media or initial agreement you signed.

 

 

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

  • 3 weeks later...

Latest update. Sent CCA off 7th December tracked Royal Mail.

Had 2 letters yesterday first from Capquest who we sent CCA to. 

They write to acknowledge our recent letter and requested documentation.

Collections ect, temporarily suspended.

Letter dated 13th December received 19th December.

 

Second letter from Arrow Global returning PO as free of charge.

Same Collections temporarily suspended and letter dated 13th December received 19th December. 

They will respond as soon as possible.

 

Which will be a first as we have never had an American Express card.

It must be a Christmas Miracle. 

 

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  • dx100uk changed the title to Capquest chasing OH's old Amex Card Debt

both std letters and actions.

 

doesn't look like they are going to be able to fund their New Years Party by fleecing you...

you found CAG.

 

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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What I am having trouble with now is that these companies can harass you for money and are clearly causing stress and hardship in so many cares.

 

When the truth is that they have no legal right to pursue something that is legally barred.

 

Also some debts are just made up but many people pay up for a quiet life.

 

My question is why is there legal recourse that we could take against them to stop this illegal practice.

 

Interested to know any views of this question.

 

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Been debated to dead here since we've been around in 2006 

 

It's not illegal, it's unlawful and it's sadly a legit business and the biggest financial industry there is 

 

The using laws already in existence, if they were breaking any, which they are not, are the tools to use 

 

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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Share on other sites

2 hours ago, tigeress289 said:

When the truth is that they have no legal right to pursue something that is legally barred.

where did you ever get that from?

 

ofcourse they can ask you to pay the debt - no law says otherwise

you can equally ignore them until they provide legally enforceable paperwork....😉

 

i told you earlier, you really must get reading up

 

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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Share on other sites

Start a thread for the speculative invoice ccj and another for the TfL PCN 

 

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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