Mass complaint ;Add your name here if a dca has acted incorrectly with your account.

[AngelOfInspiration]

I have been a victim of Capquest over many years.

 

They have abused my colleagues at work, left details for me to call back that could compromise my job,

perpetually barraged me with calls day and night and verbally abused me on the phone,

not to mention them actually having the nerve to ring up my next door neighbours asking if I still live here!

 

my neighbours are in their 80's and frail but after a 1471 call from their phone up popped the usuall call centre number for Capquest.

 

I have more paper work from them and their allleged solicitors, baillifs, door step callers than my recycle bin has room for!

 

As for the HL legal team, they actually ran out of the green ink headed logo once and just sent me a black and white photocopy....very legit and proffessional I must say.

 

Two years ago they sent me a letter saying they were going to file and serve me with papers for bankcruptcy within 28 days, it never happened

( as I suspected it wouldn't as I asked for a deed of assignment and that didn't happen either, appart from a photocopy of my original agreement for a paid up loan

... with Capquest scribbled on the bottom in a marker pen...surprise surprise....making me bankrupt would mean I paid them zilch anyway )

 

One year later...May 2010 I got a letter stating that they had evaluated my financial assets and knew the value of my house!

 

Well I am sure the Council would like to know what value they put on their property seeing as I have been a tenant for 5 years and 3 months ahem!

 

As a result of all this I dug a little deeper as a self detective. Hl Legal, Scott Call etc etc.....one of the same.....Crapquest company...as for the value of my property...

I discover that my family home that I sold in divorce proceedings for £124,000 back in 2004/05 was resold in 2007/08 for £154,000 ....

exactly the figure they quoted in the letter.

 

I decided then to find out how they knew that.

 

So I asked for my credit file and low and behold it showed my old family home on there as being resold for that amount.

 

My mind then began to get alarm bells ringing!

 

Strange thing also is that Capquest didn't appear on my credit file though even though they told me they had filed for bankruptcy!

 

I started to check online forums and discovered that people that had small debts, CCJ's, defaults etc

and which had been discharged were all the victims of their nasty ways and there seems to be a connection between Capquest and a Credit Reference Agency,

like someone has a finger in both pies and they are getting a lot of information from one source then using it to extract monies from people.

 

Capquest are a company working out of the UK America and South Africa....

 

They use a SA based operation called Telogram to make their contact...

telling you there is a parcel or message for you...more intimidation!

 

Well I got wise early on. Changed my Sim card, my landline, bank details and threatened them with the Data Protection Act and Telecommunications Act.

 

They have written to me twice since last summer 2010 and they have done nothing because they don't have a leg to stand on.

 

I was a victim of domestic violence and I have 2 children to care for......

these characters are worse as they attempt to break your heart and soul but they are small potatoes to me after the battles I have fought to be where I am today.

 

The main things are....Do not speak to them on the phone at all....just ignore them. Only correspond via post x

[illonavamp]

Cap Quest contacted me at my home two days ago looking for my brother - who has never lived here.

 

I told them so and asked them to stop calling.

 

They called again this evening and I told them again that the person they are looking for is NOT at my home, that I was the only person living here and they should stop calling.

 

The person I spoke to acknowledged that they had contacted me two days ago, acknowledged that I'd asked them to stop calling and then talked over me the whole time so I just hung up.

 

I intend to send them a registered "cease and desist" letter tomorrow.

 

I've been through all this myself and do NOT want this harassment when its not even me they are 'after'.

[InsideSPY]

[muldy]

I wish to add CRS. As they have constantly ignored my requests that the debt is in dispute as I am disputing the debt as the agreement/contract contains "unfair terms" in my opinion. I have had 8 months of continual letter writing and not got a straight answer from CRS whenever I have quoted them chapter and verse about the fact that they are clearly in breach of the OFT guidelines, debt recovery procedures etc etc...

 

 

[Baba Doc]

I would like to add Fredrickson International. They do not seem to read the letters they receive. They have ignored all my requests and kept demanding payment.

[beachcomber60]

Dont know about DCA's but I'd like add a Creditor (GE Home Lending).

 

Account sold to Link who quickly issued a court claim & lost at trial - cca unenforceable.

 

Link passed/sold the account back to GE who, after six months are now chasing the debt.

 

Despite being told otherwise, including getting copy of the judgement continue to send arrears letters & have issued DN's & have just started processing data to the CRA's.

[Laura Cooke]

I would like to add Fredrickson International. They do not seem to read the letters they receive. They have ignored all my requests and kept demanding payment.

 

 

Same here total arrogance whats point responding to people who ignore what you write

[Dekkerboy]

I'd like to add CSL (Credit Solutions Limited) and P2C (Power2Contact) for: harassing phonecalls despite being told not to, crappy intimidating yellow postcards threatening a visit (despite Implied Right of Access being revoked). And NOT providing a requested CCA.

 

Dirt balls, all of them.

[spaspeckerthedull]

been trying to keep up with this thread but have a question - it's been active for over 4 years now, is it going anywhere?

[stripper]

Actually thats a good point.What effect is this having on the DCA's?

[avonia]

Moorcroft - Told them that the debt was in dispute they said they would speak to Virgin next thing I knew there was another letter threatening court action. I even offered to pay half to get rid of them but they wouldn't accept it. (debt is £60) Ignored them and now they have sold the debt to Rossendales Collect.

[BRIGADIER2JCS]

I think you could add every DCA in the UK could be included in this!!

 

I wonder just how the DCA's survive selling thess debts on and on for pennies in the pound each time with the cost of attempting to

collect on top.

[sweetjane]

Has everybody on this thread sent their complaints to the OFT? They are currently carrying out a 12 week consultation: OFT DEBT Collection Guidance Consultation and you can tell them about your problems with DCs now. Gordon Ramsay (no not the Chef!) is the Team Leader, Nigel Cates is Project Director and Jane Shepherd is the name to send complaints to. Ray Watson and David Fisher are Senior Responsible Officers. Here's the link: http://www.oft.gov.uk/OFTwork/consultations/current/debt-collection/

 

All the best, SJ

[BRIGADIER2JCS]

Contributed.

[gloryhunter]

My friends at HFO just keep steam rolling along !!!!!!!!!!!!!!!!!!!

[padja]

yep complaint sent in.

[Crazyhorse7]

Wescott; sent a letter dated 23/03/11 accepting payment plan for £136 then another demand on 13/05/11 asking for £330 for the same account. Told 'em to swivel and see them in court!

[MARTIN3030]

Has everybody on this thread sent their complaints to the OFT? They are currently carrying out a 12 week consultation: OFT DEBT Collection Guidance Consultation and you can tell them about your problems with DCs now. Gordon Ramsay (no not the Chef!) is the Team Leader, Nigel Cates is Project Director and Jane Shepherd is the name to send complaints to. Ray Watson and David Fisher are Senior Responsible Officers. Here's the link: http://www.oft.gov.uk/OFTwork/consultations/current/debt-collection/

 

All the best, SJ

 

Yes many have complained,although the OFT will not deal directly with complaints,if there are issues in relation to Consumer Credit Licensing ,they will log it.I have done a few.

[MARTIN3030]

been trying to keep up with this thread but have a question - it's been active for over 4 years now, is it going anywhere?

 

It is a platform to see how they are dealing,and is giving us ideas of who the main offenders are.

[MARTIN3030]

My plans were to make a table showing the overall results,and reconcile this with any enforcement action that had been actioned.

In the last 4 years much has happened,and some DCAs have had sanctions,warnings and are currently being investigated.

We now have CPUT 2008,and there has been further guidance from the OFT,including consultations with them and the CSA on a number of matters including guidance on the wording and content of letters.

 

With over 1000 responses here now,I will try to find some time to get some stats.

[MARTIN3030]

Has everybody on this thread sent their complaints to the OFT? They are currently carrying out a 12 week consultation: OFT DEBT Collection Guidance Consultation and you can tell them about your problems with DCs now. Gordon Ramsay (no not the Chef!) is the Team Leader, Nigel Cates is Project Director and Jane Shepherd is the name to send complaints to. Ray Watson and David Fisher are Senior Responsible Officers. Here's the link: http://www.oft.gov.uk/OFTwork/consultations/current/debt-collection/

 

All the best, SJ

 

YES SJ,we are aware of this and will be offering submissions on behalf of the CAG.

We do have a thread in consideration.

[yohe]

Currently having problems with LLoyds TSB cc .On dmp with cccs who pay LLoyds who have agreed plan/payments last 4yrs and are now out of the blue showing arrears on monthly statements.No payment been missed , still 0 int ,when contacted say please ignore its a mistake.This fig now increasing every month and they refuse to put statemnt rightand can offer no break down.

Irwin mitchell and Mercers are by far the worst though.

[iwizgonna]

Lowell Portfolio 1 - in conjunction with 3G (UK) - default on my [previously immaculate] credit record at an address I hadn't lived at for 21 months (which 3G knew because of constant correspondence) and where no contract exists and still has had no evidence presented to substantiate their action - is this Burma?

[cherry80]

I'm a bit clueless when it comes to these things can't find how to start a new thread i'm having issues with lowell/hamptoms legal i live in scotland and wondered what they are entitled to do to me legally dispite it being an initial dispute with littlewoods?

Any help would be apppreciated

[BRIGADIER2JCS]

Hi new thread tag is at the top of the subforum