need help with Cap quest!!!!

maldives01

Hi,

I was wondering if anyone could help me out with Crap quest and whether or not to take them serisoulely.

I have a Vodafone debt from 2009 that they are claiming i owe them for which is for £938, this week i received a letter in the post saying that they had served a statuary demand on me and if did not apply to set this aside or settle the amount with them in full then they would make me bankrupt is this just another scare tactic or should i take notice of this ?

I phoned them up querying the debt and advising that i could not pay that amount off , they tried to push me into a payment plan and asked me loads of personal questions such as where i work and what my monthly income is and what all my outgoings are? they then wanted to set up a direct debit over the phone with me however i was not comfortable giving such information over the phone to them, does anyone know if do have to pay this debt to them are they able to send out a direct debt mandate?

I would rather not have to pay for this ridiculous debt to them, as my Vodafone contract was cancelled by Vodafone themselves as i was unable to pay an outstanding balance of £100 to them even though i phoned them numerous times to explain that i had lost my job and could not afford to pay this and i would be willing to pay monthly instalments if they were willing to replace my SIM Card that had been damaged to which they refused.

The letter that Crap Quest have sent sounds and looks very formal and serious and i am unsure of what to do now, any help or advice would be much appreciated.

P.s i have noticed allot of people saying to ask for the credit agreement has proof ? how likely is it that they will have this ?

Tixy

Hi

If you are arranging to pay I wouldn't set up a direct debit with them. Its better to set up a standing order so you can control how much you pay and if you need to alter the amount. With a DD debt collections agencies have been known to take more than agreed and claim you agreed to it on the phone.

You cannot ask for a credit agreement for a mobile phone debt (these are service agreements and nt covered by the consumer credit act).

First I would write to them with a copy of the prove it letter - see here - and ask them to prove you owe the money and that the balance is correct. When sending a prove it letter its worth sending it recorded deliv and don't sign your letter just print your name.

maldives01

Thank you for your reply Tixy,

That is the exact reason i did not want to give them my details for a direct debit over the phone and if i do decide to pay i will go ahead with a standing order.

How do i know if this threat is seriouse or not? have you heard of anyone been taken to court by Capquest and made bankrupt ?

What would they they need to send me to prove it?

nottoolate

maldives01 wrote: »

have you heard of anyone been taken to court by Capquest and made bankrupt ?

not for £938

Vodafone

Hi maldives01,

I understand how worrying this can be and appreciate the frustration this will cause.

If you’d like to email us via Web Relations Team we’ll be happy to look into this for you.

(When contacting, please quote the code WRT135 in the subject line and mark it For Attention Of Lee. In the main message body, please include a link to this thread and your user name. This will ensure that your message comes directly through to my team).

Kind regards,

Jenny
Web Relations Team
Vodafone UK

clareabella666

i have been served with a stat demand from cap quest last year, i personaly didn't get it set aside as to be honest going bankrupt wouldnt realy of affected me, i havnt heard off the since.

FOURCANDLES_2

The friend I am helping has had 2 one 4 years ago and one 1 1/2 years ago one for 5 k the other foR 1 k I think the advise on here was if cpaquest were going to make him bankrupt let them as he had no assets etc and couldnt afford to pay to go bankrupt and it would have permitted him to add all the other debts on to the BKP and capquest could not guarantee they would get any more than anyone else ...never heard from them again apart from out of the blue phone call but changed number to get rid of that hassle.

BigCraigJohn

Thing is this ultimately rubs off on Vodaphones reputation. Shocking that they are threatening bankruptcy on such an amount.

Is the balance correct?, seems a huge amount for a phone bill and we all know DCA's like to add phantom charges.

Culex

maldives01 wrote: »

I was wondering if anyone could help me out with Crap quest and whether or not to take them serisoulely.

It's about time the OFT took its job seriously and sorted out those bugg[STRIKE]e[/STRIKE]rs! :mad:

I have a Vodafone debt from 2009 that they are claiming i owe them for which is for £938, this week i received a letter in the post saying that they had served a statuary demand on me and if did not apply to set this aside or settle the amount with them in full then they would make me bankrupt is this just another scare tactic or should i take notice of this ?

Did they actually serve a statutory demand on you, or was that just a claim made in that letter?

The letter that Crap Quest have sent sounds and looks very formal and serious and i am unsure of what to do now, any help or advice would be much appreciated.

Copy the letter for your own records, then take the original and the envelope in which it arrived to your local council offices and there have a chat to the people in the Trading Standards department, as CrapQuest is quite notorious for sending out threats of bankruptcy as a first contact with an alleged debtor.

i have noticed allot of people saying to ask for the credit agreement has proof ? how likely is it that they will have this ?

I should imagine it would be highly unlikely, as the airtime service contract you had with Vodaphone was not a regulated credit agreement under the Consumer Credit Act 1974.

Culex

BigCraigJohn wrote: »

Thing is this ultimately rubs off on Vodaphones reputation.

I expect that even Vodaphone may eventually learn that it really may not be entirely wise to sell alleged debts to companies such as CrapQuest.