Capital on1 / Capquest

izzoh

I am really quite angry and also a bit confused...

Originally I had a debt management company 'helping' me manage my accounts, then i woke up and realised they were scamming me out of over £80 per month! :eek:

Anyhow... I am now paying my debts off and alot more effectively then before.....

So i have run my own payments for 3 months now... and have paid capital one on the first month the minimum payment which was approx £150... then the last 2 months I have paid more then the minimum payment, plus the added interest, so £150 this month and £100 last month...

I have about £250 left on teh card and have met the last 3 months minimum payments plus some more...

#today i get a call from capquest saying m debt has been given to them from capital one... i was a twork and was quite angry and the man had no explanation as to why.. but he said I needed to pay £12.

I paid £30 in tuesday which is not showing up on their account yet plus £50 today.

I dont want to pay this capquest any money because i have already paid more off the balance then what is showing on their system... why is it when companies 'sell' their debt it is never an up to date balance!!! :mad:

So what do i do... i have a standing order to capital one going out very soon.... do i just keep paying capital one..or do i pay cap quest.. i dont want to pay double because i know i will never get the money back... plus I dont know why they passed the debt on in the first place as technically i am no longer bhind payments, i am actually in advance!!!!!! :mad::mad::mad::mad::mad:

handyman123_2

Hi izzo, First I'm not an expert so treat what I'm going to say with caution untill one of the more Knowledgeable members comes along. I have had my dealings with CrapQuest and won, thanks to Niddy.

1. You need to find out if CQ have bought the debt or are just servicing it.
2. If I were you, I would hold payments until I knew who to deal with.
3. Have a look on the unenforcability thread for the templates and letters you need.

4. Have CQ said that they have bought the debt. If so CCA them and request a full statement. This will freeze things and give you breathing space.

I have seen where people have been better off working out a full and final with a DCA rather than an origanal lender.

At least if none of the above help it will keep you bumped up on page 1.

Regards, handy.

izzoh

Thanks handyman!

I will call them tomorrow to find out... I was just caught off guard today and I was alos at work!!!

I just can not believe they have passed the debt on when I am not behind payments!!! :eek:

handyman123_2

I'm giving you another bump, lets keep this thread live until you get firm advice. Tomorrow if you are on Page 2 bump again. you could try asking at Niddy's new home if you don't get the advice soon enough here.