Jump to content


Capquest/ARC & Egg - now wetcloths


santamonica
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2403 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I'm currently in default to egg for a loan after falling behind with payments after losing my job.

 

 

they passed it onto capquest debt recovery who are useless.

 

I set up a payment plan for £75 monthly,

after making 6 payments by SO from bank capquest wrote and said they were taking further action due to non-payment.

 

 

I was advised to cancel the payments and send off a copy of my bank statements showing the payments, which I did.

 

They wrote acknowledging these and set up a new SO for £75 again.

A payment left my account on 4 May but last week they sent me a letter saying they were now going to send a collector to my door

due to me ignoring repeated requests for payments or a payment plan.

 

I've tried speaking to them on the phone but they are bloody useless. :rolleyes:

 

Can anyone tell me what to do next,

I'm not that great on the phone and if anyone comes to my door I'd panic

and probably agree to whatever they asked for whether I could afford it or not.

 

Any advice would be very much appreciated.

 

Thanks

Link to post
Share on other sites

First thing I would advise is to do a search on the forum under Debt Collection Agencies. Secondly, you will find during your browsing though that information a letter to send to the Agency (along with £1) requesting they send certain information under the Consumer Credit Act - part of this is a list of all the payments you have made.

 

Until you have that - tell anyone that rings, or calls to your door, that you dispute the debt, and you are not making any further payments until the matter is resolved. They cannot do anything to enforce this debt whilst it is in dispute - so the quicker you get the letter off to them the better - and send it by recorded delivery.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

Link to post
Share on other sites

have a talk with the cccs or payplan and let them deal with capquest

 

i had a nightmare with capquest myself until i turned them over to my debt management people

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

Link to post
Share on other sites

Graham from Capquest phoned on Friday night, don't know how they got my house number.

He was very arrogant and wouldn't listen to anything I had to say.

Told me they had received the payment from 4 may but the bank had requested a refund of this on 11 may.

The bank denied this today and it hasn't gone back into my account so I know they are talking crap.

 

Phoned capquest back and spoke to 3 members of staff before finally getting Graham again.

1 person told me Graham must have made a mistake as the payment was showing on their system.

 

When Graham finally came on the phone he told me it wasn't actually him that was dealing with my account, the person that is wasn't in.

He wouldn't admit to making a mistake and I finally agreed to send a copy of my bank statement up until today

showing the payment leaving my account and not coming back.

He said this would be noted and no further action taken in the meantime.

 

Half an hour ago someone else from Capquest phoned me!!!!!

 

Sent this away this afternoon with a letter requesting that all future correspondence be in writing.

 

Would it be worthwhile writing to Egg and telling them that I am no longer willing to deal with Capquest due to their ineptitude?

Link to post
Share on other sites

like i said - talk to one of the non profit making debt companies, cccs + payplan

 

they will deal with the arrangement for you

 

talking to them is not daunting, they are non judgemental and are there to do nothing but help you

 

id act quickly to avoid defaulting/ccj action

Halifax Credit Card - £408.16 - Settled in FULL 26/6/06

Halifax Loans - £397.97 - Settled in FULL 25/8/06

GE Money Topman £216.75 - SETTLED IN FULL

Marbles LBA - £475.00 - £250 Offered :rolleyes:

Halifax Current Account LBA - SETTLED IN FULL

Yorkshire Bank Current Accounts £2271.77 - Issued 30/6/06 - Default Judgement Issued - Warrant of Execution Requested

Capital One - LBA - £88 Knocked of Balance

Egg PPI - LBA

Link to post
Share on other sites

  • 1 year later...

All debt collection agencies have to be licensed by the OFT who stipulate clear rules of engagement. Capguest telephone monkeys are probably on minimum wage with incentive payment for what they can get out of a browbeaten debtor.

 

No doubt many over zealous monkeys try their luck and go well over the line, not only squeezing out the last drop of blood but leaving traumatic memories behind.

 

Capquest, however, does have a legal officer answerable to the law. That person is the Company Secretary registered at Companies House, whose name and private address is available for a search fee, I think £5 per year now. Unlawful behaviour on the part of telephone monkeys can be documented in black and white and sent to the Company Secretary who is answerable to the law and the licensing regulator. The name of over zealous telephone monkeys should be demanded in no uncertain voice, and any refusal so to do, documented. Monkeys cannot be allowed to think they can say what they like, then put the phone down as if nothing happened, then melt anonymously into the crowd -- Who? Me? Did I say that? Do you have proof?

 

Anybody who tries to browbeat me finds I come back with a Centurian Tank, after which they think better of it.

 

 

Link to post
Share on other sites

  • 1 year later...

I'm currently paying back a loan to Egg through ARC.

 

 

I've had the CCA and SAR and everything seems to be in order so am paying a monthly payment.

 

I started paying by cheque every month but was receiving a letter every month saying they hadn't received payment (this was always 2 days after the cheque had cleared).

 

 

I wrote to them saying I considered this harrasment as payments were being made.

 

After 4 requests they finally sent a standing order mandate.

 

 

I've been paying them this way for 4 months now but I'm still getting letters saying I've ailed to stick to the agreement.

 

 

The letter I got today says that they are now preparing papers for court.

 

Is there any way I can get this passed to someone else as I'm totally fed up with these idiots??

Link to post
Share on other sites

Let them take you to court and then hit them with the proof that the payments were made on time as per the agreement. then hit them with a bill for your time and costs :) and youn never know the judge may say you are paying too much and reduce the monthly amount - double bonus

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

Link to post
Share on other sites

  • 6 years later...

Hi,

 

I had a loan with Egg way back in 2004 which was passed to Capquest in 2006 before going to various others.

 

 

I received a letter today from Arrow/Wescot asking me to contact them about a personal matter.

 

 

When I did I was told it was about this loan which I had completely forgotten about.

 

 

They said payments were being made on this account up until November 2011 when it then defaulted.

 

 

I do vaguely remember making payments to a debt agency but thought these finished way before 2011.

 

 

I've asked them to send me a signed credit agreement for the loan.

 

Am I right in thinking this loan would have been a default before it was passed to any debt agency thereby making the default in 2006?

 

 

When I last checked my credit file it wasn't showing.

 

 

Can the debt agency record a default and put it on my credit file?

 

 

Can they still chase me for this if it did in fact default in 2006?

 

 

Thanks in advance for any advice.

Link to post
Share on other sites

The Statute Barred date is from your last payment so if you had been paying a DCA then that has reset the Statute Barred clock ticking again and it will be from the last payment date to a DCA.

 

Send Arrow/Wescot a CCA request for a copy of the paperwork enclosing a £1 postal order, send by Recorded Delivery, asking for one means you have no legal recourse if it ever goes further, you need a complete paperwork trail.

 

If you had a loan with Egg, then send Egg (the original creditor) a SAR request, this costs £10 but will give you all of the statements plus all copies of letters and correspondence, this way you can get the default date, the default date cannot change and should be registered within 6 months of your last payment.

Also, by getting a SAR, you can then claim back all charges and any PPI if it was applied, do not use a Company, you can do this yourself for free, if you need advise, just ask.

 

Check you Bank statements, this will show any payments to a DCA because they are made either by debit/credit card, direct debit or standing order, just for reference never pay a DCA by the first two, always pay by a standing order, that way you have complete control and stops you Bank Account being emptied by a so called "Admin Error".

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

You are being cash cowed big time and it sounds like you have been for a number of years. Its time for you to get your paperwork in order.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 1 month later...

Thanks for the advice.

I received a copy of the signed credit agreement from Wescot today.

 

 

There was no PPI added on to the loan so can't make a claim for that.

 

 

The letter states that Wescot are acting on behalf of Arrow Global.

 

 

As this has been passed about a number of debt collection agencies over the years

 

 

should I still send the SAR to Egg or should it go to Wescot or Arrow Global?

 

 

They also state I have 14 days to make payment or arrange a payment plan.

 

 

Should I write to them and inform them I still consider the debt to be in dispute and tell them I have sent a SAR?

Link to post
Share on other sites

Hi,

 

The SAR always goes to the Original Creditor.

 

The 14 days to make a payment or arrange a payment plan are just a DCA's silly little word plays.

If you break the wording down, 14 days from when? Letter Date, Post Mark date? From when you receive it? 14 days after Arsenal win the Premier League (which could be a while away).

 

Also, because Wescot are collecting on behalf of they have no legal rights to initiate Court action.

Ignore and get the SAR off.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Thanks Stigman.

Will a SAR show ALL payments made towards this regardless of which debt collection agency was dealing with it?

 

 

I know I made payments in 2008, not entirely sure I made payments after that but I don't think so.

 

 

If I didn't does this make it statute barred as it will have been 5 years since I acknowledged it? I live in Scotland.

 

I've been reading other posts on received CCA requests.

 

 

The one I received mentions the terms and conditions of the loan but they aren't included with what I received,

 

 

it also doesn't show the right to cancel section and Egg have signed it before we did.

 

 

Does any of this make any difference to whether this is enforceable or not?

Link to post
Share on other sites

Hi,

 

The SAR will only show payments up to the point when EGG sold the debt, if you have made (which you said you did a long time ago) payments to a DCA after the debt has been purchased by a DCA then the payments will only show on any statement that the DCA sends you or on your Credit Reference File (if it shows).

 

The CCA that you have received does not look like it is compliant and therefore non-enforceable.

To make sure, please scan in and post up, members will look at the agreement and post replies. I have copied and pasted instructions at the end of this message on how to upload, these instructions have been written by site mod DX100uk.

 

Can you not check your Banking records for details of any card or direct debit payments to any DCA's?

 

If you have not made any payments since March 2010, the account will be Statute Barred because has you have correctly said, 5 years for Scotland..

 

Stigman

 

********************************************

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

************************* ************************* ***********

DO IT IN MSPAINT.EXE or any photo editing program

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

  • Confused 1

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

Link to post
Share on other sites

Thanks again, I'll try and upload everything tomorrow.

 

I'll send a SAR to Egg to get the default date.

 

 

I'm sure it defaulted in 2006, 2 years after taking the loan out.

 

 

I was convinced I had sorted all our debt problems out by 2009 so stupidly didn't keep all letters I sent/received.

 

 

I don't have bank statements going back that far either.

 

 

It's definitely not on my credit file, I've checked all 3 of them.

 

Would it be worthwhile sending the statute barred letter to wescot/arrow

and see if they send proof of payments made after March 2010?

Link to post
Share on other sites

With the CCA you got back, what exactly did it comprise of? The CCA has to have certain things in order to comply with the regulations, and arrow/wescot rarely ever have the right paperwork. Especially on an old egg debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Well, thats certainly not compliant if thats all theyve sent.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Nope. You don't tell them. They know it won't be compliant.

 

If the debt is SB then its an absolute defence so just use that.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I'm pretty sure but not absolutely sure it is SB.

 

 

This has been with a number of collection agencies and I know I was making payments to ARC debt collection agency in 2008

but can't remember for definite when the payments stopped.

 

 

if I sent Wescot the SB letter would the onus be on them to prove that it isn't SB?

 

 

If I send that letter should I still send a SAR to Egg?

Link to post
Share on other sites

numerous old threads merged on same debt.

 

 

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... 

Link to post
Share on other sites

one thing that runs through all your threads is

 

 

STOP PHONING FLEECING DCA'S

 

 

they are NOT BAILIFFS

and have

 

 

NO LEGAL POWERS

 

 

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... 

Link to post
Share on other sites

I'm not phoning any of them again, going to deal with everything in writing.

 

 

I really need to get this sorted though.

 

 

I've recently separated from my husband and before we can finalise our finances with a separation agreement

we need to know whether we are going to have to pay this £3000 debt or not.

 

 

For this we need something in writing so ignoring it isn't an option.

 

I really need advice on what to do.

 

Do I still send the SAR to Egg?

 

Would it help to send one to Wescot/Arrow if they have bought the debt?

 

 

Do I challenge the CCA they've sent me seen as it's not compliant?

 

 

Or should I chance sending the Statute Barred letter

and put the onus on them to prove I've paid/acknowledged the debt within the last 5 years.

 

Between this and my marriage breakdown it's making me sick with worry,

 

 

I'm already suffering from depression and really struggling just now.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2403 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...