capquest harassment

cookmolli

Hi
Another capquest harassment, this company have recently been harassing my inlaws in the UK about a debt I incurred whilst living in the UK with EGG I now live in Australia and have done so for the past 4 years and have tried to contact them by phone but this is not possible from overseas.
This is really getting on my inlaws nerves and they have made it quite clear that I have never lived at that address but they continue to pressure them, can anybody sugest any form of action I can take to stop this pond life continuing in this manner, also what legal writes they may have on me now I'm a permanent resident of Australia

handyman123_2

Look for the template letters on the unenforcability thread, You could send them the harassment letter. Personally I would send them a prove it letter, folowed up by a CCA (consumer Credit agreement request). Or you could if you are now in a position to clear the debt ask for a full and final settlement figure and put the problem to bed. You will find they will settle
for a lot less than they are chasing.

They are out of order pursuing your family for your debt. You will find info here about this as well.

Hope this helps until someone smarter come along.
Cheers, handy.

cookmolli

Hi Got through to Capquest on 0125276537 about the harassment they are giving my inlaws they seemed to have no concerns about what they are doing, I informed them that I have never lived at that address and to check the electoral roll and to stop harassing these people. I informed them that I now live in Australia, I am now hoping this will stop this lowest form of intimidation by the lowest form of life, we'll just have to wait and see.
Also is there anybody out there who may know the law on recovering a UK debt in Australia???



Many Thanks

mr.ton

Firstly tell your in laws to stop speaking to them on the phone & refuse to answer any security questions if they ring.
They have no legal powers to any money off anyone = full stop.
Only a county court has this power.
Report Capquest to the OFT & trading standards if they refuse to go away.

DarkConvict

Hi,

Been in austrilia they cannot use court action to make you pay whilst you are there, although they could get a CCJ to use on the debt when you return.

Harassment is harassment, they cannot keep ringing up the wrong people, family or not they cannot talk to them due to data protection and constant calls is harassment. Send them this letter with the DPA section in it, legally they must remove all telephone numbers or face prosecution. http://forums.moneysavingexpert.com/showpost.html?p=33792339&postcount=40

if they still refuse after 28 days to drop it send this - http://forums.moneysavingexpert.com/showpost.html?p=33792353&postcount=41

In the event, even that does not work, contact the ICO and get them to investigate.

OFT Guidelines probably also come into play under the terms of disclosure by lack of care. - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

spursfan14

Here is the postal address for capquest-

Company Address
Fleet 27
Rye Close
Fleet
Hampshire
GU51 2QQ

Always send written letters, recorded delivery and keep a copy for your records. Try to not talk to them on the phone unless you are recording the call.

In regards to rules they have to follow-

• CapQuest Debt Recovery can not force you to repay more than you can comfortably afford each month.
• If you make a reduced payment, CapQuest Debt Recovery can not refuse it.
• CapQuest Debt Recovery can not add charges as a penalty for non payment, other than to cover the real costs of collections activity.

If they break any of these rules report them to the OFT!!