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    • just to be clear here..... the DVLA do not send letters if a drivers licence address differs from any car's V5C that shows the same driver as it's registered keeper.
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    • New version after LFI's superb analysis of the contract. Sorry, but you need to redo the numbering of the paras and of the exhibits in the right order after all the damage I've caused! Defendant's WS - version 4.pdf
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Capquest/drydens - old Cap1 debt - been paying but pressure recently increased


FedUp45
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Hi All

 

I’ve recently been contacted by Drydens Fairfax who are putting pressure on me about a very old Capital One balance (more than the double the statute barred period but I couldn’t get any joy with the unenforceabilty that I had with other cards back in the day.). Therefore I have been consistently paying a small sum, increasing it from time to time. 

 

The question I have is this.

If I make an offer of partial settlement, would it still go against me on my credit score after all this time?

Or because it is still a live debt it would still count?

 

I work in places were a good great credit rating is important so this is a key factor for me, and my credit score has fully recovered.

 

Thanks in advance.

 

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  • dx100uk changed the title to Lowell And old Cap1 debt - been paying but pressure recently increased

why are you being a DCA cash cow and blindly paying someone for a debt that has ZERO legal powers to do anything to you and are NOT BAILIFFS and never can be for a debt they bought for 10p=£1 but charging you the full value??

no it cant come back on your file.

a debt vanishes from your file when the registered default via a default notice the original creditor sent you, reaches it's 6th b'day. paying or not, paid or not.

about time you sent them a CCA request to prove they hold a signed enforceable agreement from when you took the card out... on most historic debts no paperwork has existed for years!! NO CCA = NO PAY!!

hope you are not blindly being a DCA cash cow on any other debts too!!

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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as simple as stated sorry...

a debt collection agency (DCA) like capquest or ANY DCA has no more legal powers than you or i if we think we are owed money...raise a court claim. thats no special or different legal powers than us joe public

 

just because people fall for their cleverly worded letters that they NEVER READ PROPERLY..that dont say WILL anywhere... they think they have some magical powers they dont...and 99% even think they are BAILIFFS. which they can NEVER be. they can only ever be sent by a court if you lose a claim.

 

CCA request time, they have 12+2 working days, if they fail to reply with documentation that we can check here for you (or you can by reading threads - type cash cow in our search top right red banner) you cancel their DD and totally ignore them till they comply. pigs might fly too..

 

dx

 

  • Like 1

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/drydens - old Cap1 debt - been paying but pressure recently increased

Addressing your major concern first, this debt has long since dropped off any Credit Agency file, and will have ZERO effect on your Credit Score / Rating, forever invisible to any Employer or Creditor. This cannot be changed by anybody.

 

The DCA's use wording that make them sound like Bailiffs, to scare people into paying even small sums that spin out the Statute Barred date to infinity. Imagine how much money they make from thousands of people sending in even a fiver per month!

 

As for the moral aspect, you're just a line on a spreadsheet brought for a few pence in the £ by the DCA from the Original Creditor, so don't let that give you sleepless nights.

 

I predict there is absolutely zero chance of them coming back with a CCA, after more than 12 years Just make sure your current address is on the CCA also and very likely no more payments for you !

 

The only other thing to add, is make sure whenever you move send the DCA confirmation of your new address in writing !

 

 

We could do with some help from you.

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  • 2 weeks later...

Hi all, 

Hope you are keeping well.

yesterday was day 9 of the 14 allowed and I received my Postal Order back with a short handwritten note on PLAIN paper saying 

"Hi, The enclosed postal order is no longer required. Thanks"

I assume this means they can't find/access it.

What do I do now?

Send them a letter or just ignore them from now on? 

Thanks in advance

PS - forgot to say, they also returned my letter along with the note and the PO

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as arrows always do for every CCA they get, if you go read like threads here.

yours is not the next moved.

 

  • Like 1

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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They always do that, don't go losing any sleep over this one  and certainly don't go paying them anything.  Just make sure you open all your mail, aside from that don't do anything. I'd say it's highly unlikely this goes anywhere.

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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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  • 2 months later...

Hi friendly experts, 

Thanks again for your help with this so far.

Update: After hearing nothing since my PO was returned, I received a letter this week from CAPQUEST (not DrydensFairfax) Saying that my "debt" has been sold to Intrum Poplar Designated Activity Company. It then goes on to say that DrydensFairfax will continue to service my account. 

What, if anything, does this change? 

Thanks in advance!

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scan it up please.

looks like intrum are now part of the arrows group then. i did wonder when i saw something akin the otherday.

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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cannot open the 1st one, but it looks like the arrows group has been bought out by intrum..interesting

safe to ignore until/unless you ever get a letter of claim.

 

  • Thanks 1

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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WWW.INTRUM.CO.UK

Credit management services company Intrum has completed the acquisition of the Capquest and Mars UK servicing platforms from European fund...

 

  • Like 1
  • Thanks 1

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 2 months later...

Hi CAG friends. 

Hope you are all well. 

So I've got an update. Received a letter today from Dryden's Fairfax. 

Salient Information is this:

 

Our Client: Intrum Poplar Dac

Original Creditor: Cap One

Your requested document(s) are available

We have received the documentation you requested fro your account. 

We can provide you with this information via our customer portal , simply log onto your account (etc)

Documents available for the next 30 days, after this time these will be deleted from our portal

Your account is being held for 14 days. Please contact us by 10 Nov to prevent further letter being sent to you. 

If you would like to contact us by telephone (etc)

 

 

They also include a Debt / Income sheet and Payment offer sheet. 

I really thought this was done with, and this has really stressed me out to be out to be honest. 

So please, What can I do next? 

Thanks in advance

 

 

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why are you getting stress about a powerless dca or their dogs

they are not bailiffs and have zero legal powers.

nothing unusual 

ignore them do not log in to get them

yours is not the next move.

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 weeks later...

not paying...........

you already paid them for years thinking they had magical powers.

 

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 personally don't think that dx's method is particularly rude.

Blunt, yes. But sometimes you have to be.

Sometimes the easiest way to get someone to understand something is to make it so obvious and in their face they have no choice?

 

FedUp45, if they haven't sent you a CCA you don't pay. I don't think them saying "log in to our portal" so that they can share their faked up magic one or whatever T&Cs they have on file (That aren't a CCA!) would suffice for that.

Ignore them until you get a letter of claim, they haven't complied with the CCA request imo.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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It might be worth logging in to their portal, grabbing what tosh they've uploaded and posting it here for people to check over.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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be very careful if they want email or any other details they dont ALREADY have by using their portal.

its not important to get the docs at present.

they will have to comply to a cca request should they ever be bold enough to send a letter of claim.

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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  • 2 months later...

Hi all, 

Just a quick update. Not heard anything since the above correspondence, until two days ago when I am had a call on my mobile from a Leeds number from a lady purporting to be from Dryden's Solicitors. I hung up. 

I guess there will be a letter coming soon. 

FU45

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so what.

ignore them.

 

there just missing their cash cow.

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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