CapQuest offer "payment reduction terms"

[meekle]

Hi all

 

after some great advice on earlier posts, i had a letter from CapQuest ref littlewoods account.

 

I havent had a littlewoods account since 2000, so i CCA'd them to find out what the debt actually was for and for how much. checked my credit file and cant see anything on there regarding Littlewoods.

 

Had a reply today to my CCA thanking me for requesting the information, which they need to provide by 16th August, and whilst they investigate this matter, would i be interested in taking part in a new pilot scheme where they wipe off 75% of the alledged outstanding amount and just settle for the reduced amount.

 

Is this an indication that they have a very weak defense regarding this debt and it represents their desparate attempt to claw some monies back?

 

the advantage i have is that they have set the expiry date of this "special offer" for one week after the CCA request defaults, so if they do come up with the CCA, and somehow it proves legit does this represent a "get out of jail for free" card?

 

Has anyone else been offered "the pilot scheme to reduce the debt outstanding"

 

Answers on a postcard please!

[Curlyben]

Now where did I put that barge pole

 

Now when was the last time you acknowledged this debt in writing or by payment as it certainly sounds like it is possible statute barred and unenforceable.

[meekle]

it has never been acknowledged or paid as i was unaware of it at all!! like i said, i have had nothing to do with Littlewoods for years.

 

lets see what the CCA comes up with. Assuming (correctly i am sure) that the CCA doesnt arrive within the 12 days, what do i do then? Can action to enforce this so called debt be taken after this point?

 

if my memory serves me right, the last time i made any payment to Littlewoods would be around october 2000 ish give or take a month or two.

[Curlyben]

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action.

 

I hope this clarifies some things.

[meekle]

great news

 

i have had a letter from CapQuest, admitting that they cant produce a CCA agreement, and this removing me from their records! Result

 

I reproduce their eloquent letter below:

 

"Account No> XXXXXXXXX

Balance: £4XX.XX

Debt Purchased from: Littlewoods Finance Company

 

 

Dear Meekle

 

We thankyou for your recent correspondance

 

I can confirm that we have been unable to obtain a true copy of the agreement from Littlewoods Finance Company and have therefore closed your account down.

 

You will not hear from us again regarding the above account

 

Yours Sincerely

 

Melissa Holt

Collections Administration Department"

 

Thank you all for your help, a due donation to CAG will be made.

[Goldlady]

hahaha so much for the pilot scheme;). I think it just crash landed.

[Curlyben]

Nice one.

CQ owe me one of those letters too.

I did offer to pop into the Fleet office as it's just up the road from me, but hey didn't like that idea

[meekle]

lol

 

just goes to show all those who are starting to get involved with these companies, listen to what you are advised on CAG and you wont go far wrong. I held out until they had literally just gone into their 12+2+20 on the CCA request when their letter came through.

 

In this case i feel that as i was succesful in getting this alledged debt cleared, there is now no record of it on my credit files (totally cleaned of this alledged debt) and they were only 24hours over due, i might let it slide and not call in the OFT etc for their failure to observe the CCA request.

 

However, Ruthbridge - you aint getting away with it sunshine. Bring it on i say. Now, shall i frame it and put it up on the wall??

[Brassed off]

Get it framed!

 

I have done and it always makes me smile when I walk into my computer room - good on you Meekle:D

[groovychickmum]

but remember, just because they wrote this:

I can confirm that we have been unable to obtain a true copy of the agreement from Littlewoods Finance Company and have therefore closed your account down.

 

You will not hear from us again regarding the above account

 

 

does not mean they wont try and 'sell' this on to just another dca, i would send them a 'stop using my data' letter. and get it in writing from them that all your data has been removed.

 

 

 

 

 

[meekle]

is there a template for that letter, also, where would i find a template for the data protection letter (SAR) as i need to send one related to another case?

[groovychickmum]

shout for CurlyBen....he knows the links to all the best letters .lol.