CapQuest Help

fermi

clareabella666 wrote: »

please dont let these idiots scare you, they sent me a statuary demand with the intention of making me bankrupt. I never got the SD set aside and they havn't gone through with it, infact they have just passed it onto someone else who send me the odd letter now and again saying they are coming to my house( funnily enough they havnt come round either :rotfl:.

In that case report Capquest to the OFT. The OFT has warned DCAs not to issue SDs unless they really intend to go through with them, and they have their eye on CapQuest. Any further evidence of them doing this may prompt the OFT to take further measures.

clareabella666

they have been reported to the OFT by me but they emailed me to say they can't look into this matter as they don't deal with ( can't think what word they used now)but they did send me a form to sign to say i agree to my details being used should they need to do anything.

fermi

clareabella666 wrote: »

they have been reported to the OFT by me but they emailed me to say they can't look into this matter as they don't deal with ( can't think what word they used now)but they did send me a form to sign to say i agree to my details being used should they need to do anything.

That's the normal response. They don't take specific action over individual complaints.

However, they do take note of them all, and use them to build up a picture of the misbehaviour of the DCAs. So it's important to put in the complant anyway, so that eventually the OFT have enough evidence to support taking action against them.

thechippy

I'd worry about this lot about as much as growing another head by tomorrow morning.......:D

Just send them a simple letter stating you're unemployed and all you can send is £1 per month. Politely inform them that they can foxtrot oscar if they don't like it.....;)

Don't phone them.

I always advise against sending an I&E. They have no right to see one and it gives them too much info about you....;)

Stay cool.......:cool:

saltnvinegar

princesstia wrote: »

Hi all!

I have recieved 2 letters from CapQuest now regarding a debt of £1302 purchased from Shop Direct Finance. They have stated that they will seek an Order of Court and state that bailiffs will be coming to my home on or around 1/02/11. I am currently unemployed so cannot afford to pay this back in full and could barely afford to pay them anything. I am so worried and depressed about this debt, can I declare myself bankrupt??

I have read numerous posts about how aggressive and rude the staff at CapQuest can be so I am scared to phone them as I am no good at standing my ground.

Any help or advice would mean alot to me, thanks

Hi Princesstia

I think you've gathered from the responses that Capquest are mainly full of hot air, and are infamous for breaching OFT guidelines on debt collection.

In your specific case these sections:

Communication

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner.

2.2 Examples of unfair practices are as follows:

b. leaving out or presenting information in such a way that it creates a false or misleading impression or exploits debtors' lack of knowledge

d. unnecessary and unhelpful use of legal and technical language, for example, use of Latin phrases

I would write to them, explain that you are unemployed and that you can make a token payment of £1/month.

Don't let these scumbags pressure you as this is the only leverage they have over you.

Best

SnV

princesstia

Thank you all for your help and advice, I feel alot better now and can relax in my own house!