capquest and cca return for old jdw CAT account

[matty2303]

could anyone please advise on the enforceability of a response to a cca request received from jdwilliams

https://www.dropbox.com/s/rfy5s9s2z5nsvc7/DSCF2342.JPG

 

the name and address by the way has simply been written on the sheet and has not been signed ,

but they claim they do not have to provide a copy of an agreement

bearing or some other proof of the customers actual signature.

 

This become statute barred in 3 months and the balance of just under £400

has charges of over £200

 

can anyone advise how to proceed with this ,

 

still on cra file ,

account was opened on 5/2007 and last payment made on 11/2007

[dx100uk]

ouch just outside the time requiring a better signed cca.

 

what is the listed defaulted date?

 

dx

[matty2303]

default 08/2008

[dx100uk]

so prob SB date around feb 2014

 

are the charges from our spreadsheet with CI?

 

dx

[matty2303]

sorry didnt understand the charges bit? last payment on this account was nov 2007 so will this not be sb from nov this year? i can see the charges as they have sent a partial statement of account

[phaitun]

I think he was referring to the charges being calculated to today's date with compound interest from the date if the charge to now ,

 

If the total of charges was circa £200 back in 2007 they will be a LOT to claim back/counterclaim using the spreadsheet calculator tool on this site

[matty2303]

ok ill take a look at it , thankyou

[dx100uk]

This second spreadsheet is a compound interest calculator and can be used both for PPI claims and Charges Reclaims on Revolving Credit Accounts such as credit cards. Compound interest is not an award that fos will give in respect of PPI claims but it can be used in PPI cases that are pursued through the courts. It is the standard sheet that is also used for charges reclaims both on credit cards and loan accounts where interest in restitution is claimed.

 

CISheet v101.xls

 

 

put their APR in cell D15

 

enter EVERY PENALTY charge in a new row on the date it was levied

 

dx

[matty2303]

thankyou for all the replies ,

i assume that you think the agreement is enforceable?

 

The only other thing i would like to know is given that this will become SB in 4 months will reclaiming the charges reset the clock on this? ,

 

was just thinking its maybe better sitting it out to see if they take any further action , or would it be too late to reclaim should they start ccj proceedings on this?

[matty2303]

Afternoon ,

 

I have had a card left from these regards an  historical JD Williams debt.

 

This debt hasn't had any payments since circa 2010.

 

How is best to proceed with this please

 

there has been no reference on my credit file for many years regarding this account.

 

Many thanks

[Bazooka Boo]

You could send the little darlings the SB letter in the library.

 

If one of the clowns does turn up at your front door again, film them on your phone and tell them to disappear before you call the Police 101.

[dx100uk]

find out who their client is first.

 

i would suspect the debt has been sold to cabot dca

 

could this be your old jdw debt?

 

dx

 

[matty2303]

Ah yes thankyou it is the same , this is the first contact since around that time.

Edited February 28, 2023 by dx100uk
unnecessary previous post quote removed

[dx100uk]

old and new threads merged

 

so you moved and didnt tell capquest you had?

[dx100uk]

threads merged

 

 

post here now

 

[matty2303]

Yes around 4 years ago , hadn't heard for several years prior to this

Edited February 28, 2023 by matty2303
Typo

[dx100uk]

opps you should never move without informing your debt owners , you stand a high risk of a backdoor ccj.

 

dx

 

[matty2303]

Ok lesson learned. How should I proceed now ?

[dx100uk]

inform and owner of a debt you last paid or used within the last 7yrs of your new address.

 

for this debt, if you've not paid nor used the cat account in 6yrs then send capquest our sb letter from the debt collection section of our library.

 

dx

 

[matty2303]

Excellent thank you