A Warning - CapQuest Debt Recovery!

Thank you 'fermi' and 'sourcrates' for your replies; I shall continue to ignore the messages and see if any mail arrives before doing anything.

kind regards

Georges dad

Hi everyone,
I'm a newbie on here (2nd post) and think I just made my first school boy error - spent hours (literally) tying up my obviously massive story, then go to post - and I'm timed out. Lesson learnt.
So I'll attempt to be as succinct as possible this time but it's nott an easy story to tell, so bear with me pls!
I initially incurred debt with RBS in 2002 after losing my Father. Things are a bit foggy about that year or two in my life but I accept I incurred a debt of around £3,000. After a few negotiations as I remember, the debt was passed to a collections agency - Wecott Debt Recovery. I made an arrangement with them to repay the debt. A debt which I have not defaulted on in one single month in 11 years to date. The debt now stands at just under £400.
(Now the interesting bit!)....
In March 2006 I start receiving really quite offensive letters from a company I had never heard of until then. Namely Capquest. I know for a fact that - silly as it seems - I did make erratic one-off payments to them over the years that followed and as the tone and frequency of their actions seemingly had no limits, I even had my poor Mum make a payment or two for me. Not because I asked her - but because they began to phone my Mother's landline and speak to her about my debt!. :mad: Then my 88-year-old Grandmother started getting the calls too...:mad::mad:
I eventually made more payments to them but only on the basis I was disputing the entire debt and that it be put 'on hold' until sorted out properly. This was some time in 2009.
This managed to keep them quiet - despite the odd phonecall or letter - for a time. In early 2011 I start getting mail sent to my Mothers address again. The threatening stuff; doorstep collections; court action; 'freezing of my wages' etc. I got on the phone to the bunch and set things straight. I spoke to a senior manager (whom I won't name...yet) who explained he had looked over my account and although I wasn't to 'get too excited' - he thought I had made an overpayment and might be entitled to some form of rebate. This did actually make sense and I did believe this guy's sincerity. I agreed to speak with them in depth (Capquest).
It turned out they didn't have a clue about pretty much anything. Nothing other than they represented RBS (their client) and the debt (of just over £3,000-odds) had been sold to them in 2006. Exactly when the letters and phonecalls started....
At this point I decided I needed to do some serious research on my own. The obvious thing that stood out to me was the potential for RBS to have mis-sold (illegally????) my 'debt' information onto a 2nd collections agency (remembering I had a flawless arrangement in place with Wescott for this very debt since early 2004). The more phonecalls I made and letters I sent, the deeper this story seemed to go...
Wescott Opinions:Flawless Client who took on his debt and repayed by s/o as agreed & on time
Capquest Opinions: Quote(!) 'Wescott have been paying us. You make payment to them, and they make payments to us'.
I'm beyond confused. I write directly to RBS demanding answers. I get a one page response saying effectively that are not legally obliged to provide any information regarding the account as it's been over 6 years since the inception of the debt. They're not even obliged to tell me how much the debt had initially been.
Onto the Ombudsman. I write a HUGE report detailing everything (even more than I've rant on here). I get a message back to say they can't entertain it (the 6 year rule again). I write an appeal and ask that they read my report in full and consider that the case is not over 6 years old but that it is ongoing - as I am still receiving threatening letters. They reply they have reconsidered and take on my case. :T
It's almost 5 months later and despite keeping in touch with the Ombudsman, it's taken this long for them to investigate it.
I got a phonecall from the Ombudsman last week. They explained RBS wanted to make me an offer. I got excited - I thought this had all paid off, all this stress and worry - but I needn't have been. The offer the Ombudsman had was from RBS directly and was simply 'to nulify the debt'.
I made it politely clear I rejected their offer. The Ombudsman acknowledged this.
NOW THIS IS THE BIT I NEED A HELP WITH;
I heard from the Ombudsman at the beginning of this week. They say the only way they can make the financial aspect of my offer more preferable and recoup my overpayments, I must provide receipts of the transactions made directly to Capquest. This is just not possible.
I have spent days speaking with my Banks callcentre, I've even been with an appointment with my Bank manager who could see my predicament, buy couldn't help me out. The receipts the Ombudsman is requesting is simply impossible evidence to request.
I've now been told I have one week to provide this evidence before the Ombudsman rules.
Can anyone who has read this post (and thank you anyone that has!) advise on ANY aspect of my situation?
I can't explain how frustrating it is to almost have won my battle after all these years - but be just a piece of paper away from losing it al too.
Has anyone else been in this position? Has anyone taken court action against a Bank in this kind of circumstance?
Clearly, ANY advice is very greatly appreciated!
Sincerely,
Openwater

Hi Sourcrates and thanks for your reply.

I was afraid that may have been the situation but in truth was quite hopeful someone on here may have spotted something in my story they may have had experience with or in.

I will follow up with the Ombudsman. As I did make clear to her at the time, I wasn't happy with the notion of findings receipts. She is in effect asking the impossible. But then I guess that's exactly why the RBS has requested this via her in the first place!

Regarding the 'good' DCA - they have now advised me the debt in entirety has been re-calledby the 'client - RBS - and I am at least, on that front, winning. But it's exactly that - the unquestioned decision by RBS to accept they were at fault thatmakes me that bit more suspicious....

With the other DCA? They think I owe them £1900. They'll be getting a letter shortly!