Who do I contact? CapQuest or HFC?

digitalphase

I had a credit card debt with HFC, on a Marbles card. I missed payments etc because I'm an unemployed student and they passed my debt onto a company called Capquest.

I was directed to a website called grumbletext.com from this forum, where I found a lot of other people had had dealings with Capquest. With a user's help on there I wrote Capquest a letter saying I am appealing the debt, and they have sent me a letter back saying my account is on hold for 28 days while it is investigated.

In the letter to Capquest I asked for:

1. A true signed copy of my original agreement with HFC Bank Ltd.
2. A true copy showing the deeds of assignment or sale of the account to Capquest.
3. A financial statement showing transactional details including current balance.
4. A clear explanation which informs me as to whether you are acting as agent or assignee for the alleged debts on the account and/or have power of attorney.

I got a response from them a few days ago.

One is a letter saying "please note that as we are acting on behalf of our client a deed of assignment for the above account is not applicable". They say they have requested a copy of the agreement and historical statements from their client and they will be forwarded to me as soon as they receive them. They have enclosed a print out statement of the payments I have made to Capquest (as if I don't know!) This letter is dated 7th November.

The second is a letter dated a day later than the above letter - so the 8th November, but I got them both on the same day. They put that my account is now on hold for 28 days while they obtain the information I require. They say if I have any proof of payments or correspondence that will assist my query that I should forward them to their Collections Admin dept.


I have today received a letter dated 8th November from CapQuest's H L Legal solicitors saying I have broken my agreement with them and if I don't pay by the 17th I will have to pay the full amount. Bit difficult anyway when I didn't get the letter until today! And I have a letter from CapQuest from THE SAME DATE saying my account is on hold!

Any ideas where I go from here? I have completed the charges calculator for all my late and overlimit fees which I want to claim back. Should I send the reclaiming charges letter to Capquest?

PLEASE PLEASE PLEASE HELP!

GeorgeUK

Write to H L Legal solicitors stating that Capquest have notified you that the account is on hold while awaiting legal documents and are awaiting their reponse. Make sure you have "I acknowledge no debt to you or your clients" at the top of the letter.

Capquest had 12(+2) working days to repond to the request. When did you send the letter?

digitalphase

Thanks George. Is there a template letter I can send to them? Or just a few lines saying my account is on hold and a header saying I acknowledge no debt to them. Do I have to send it recorded?

I sent the letter to Capquest on the 5th November so they have had quite a lot of time to produce any paperwork.

Trouble is, I don't know what my next move is. I was being helped by someone called Martin on Grumbletext and no one has replied to my updated thread for 3 days so I'm a little stuck.

digitalphase

On the letter from HL Legal, the signature is actually by a H Legal :rotfl: So I think it's bogous!

Also it says that all communication must be sent directly to Capquest and it has given me their address at the bottom of the letter. It does say, however , that they are regulated by the Solicitors Regulation Authority and there is an address for them right at the bottom of the letter.

All very confusing. Should I send the letter to HL Legal to Capquest's address as it states?

digitalphase

*bump* *bump*

stapeley

HL LEGAL are CLAPQUEST . Automated letters just photo copy the on hold letter send it them . You would need to send the refund letter to OC. I would wait till they come up with a CCA .

GeorgeUK

You might be able to edit this letter.
http://forums.moneysavingexpert.com/showthread.html?p=11636233#post11636233

The account is not actually in dispute until the 12+2 working days have passed. Not sure it would make too much of a difference as they usually ignore letters so you may as well include most of it.