Disputing debt to capquest

DAVEB71

Hi this is my first post to the forum and I was wondering for some advice regarding a letter I am sending to Capquest before I actually post it the only thing is it wont let me post a copy of the letter on the forum, I will try my best but any advice on how to post it would be appreciated

king100

Cant you copy and paste it, I assume you are typing it in word.

DAVEB71

yes in word 2007, I tried to but it just keeps saying I can't post links as a new member, any suggestions, cheers

Tixy

Is there a website address or email in your letter - if so just cut & paste and then delete that address and it should post.

fermi

Or copy the text into a plain text editor like notepad first.

Check to make sure there are no links in the text.

Then copy/paste it into a post from there.

DAVEB71

here we go again see if this works pasted into notepad
LETTER OF OFFICIAL COMPLAINT & CCA REQUEST
XXX XXXXXXX Road
XXXXXX
XXXXXXX
XXXXX
6th June 2011
Dear Sir/Madam
Account No: XXXXXXXXX
Ref: XXXXXX
PLEASE READ CAREFULLY
This letter is a formal request pursuant to s.78(1) of the Consumer Credit Act 1974.
I require you to provide me with a true copy of the credit agreement relating to the account:
Account No: xxxxxxxxxxxxxxxxx
Ref: xxxxxx
Together with any other documentation the Act requires you to provide, whether you are the original creditor or not.
I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.78(6) will apply.
Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).
I enclose a postal order in the sum of £1.00, which is the statutory fee.
Note that these funds are not to be used for any other purpose
If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.
Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to Trading Standards.
I look forward to hearing from you.
Yours faithfully

king100

Just send them a CCA request. Dont send all the other stuff, just a simple CCA request letter.

Wait 12 days + 2 and if not CCA sent back then send letter in dispute.

king100

How old is the card, did you default previously and how long inbetween payments were there.

If they are offering you a reduced rate that to me rings alarm bells, if I had a valid CCA and everything was 100% correct why would I discount a debt, I would make you pay it all off.

DAVEB71

cheers king100 the card was passed to capquest as stated in athe SD dated January 2009 that Skycard passed it to them in November 2006, in the SD it says:
Particulars of debt
The debt relates to the unpaid balance of sums due under Credit Agreement dated 27 June 2005 made between - ME - and Skycard in respect of a numberxxxxxxxxxxxxxxxxxxx. The agreement terminated upon failure of - ME- to comply with the terms of the agreement and/or statutory notice of default served by Skycard.
The rights and duties of Skycard passed to the Creditor pursuant to an assignment dated November 2006

Then it gives the total amount, from what I have been reading on these forums and my understanding of the method by which dca buy debts I reckon I have paid to date alot more than they paid for it, I can't understand how supposed ligitimate businesses get away with it, I assumed alot of it is through shear ignorance on the debtors part, I was considering offering them a few hundred quid paid in installments what do you think

king100

What we need to know is

when did you take the card out? Year and month
What was the time frame between your last payment to skycard and your next payment to the DCA? ie November 2006? when did you make last paymeny to skycard(pre November 2006?) when did you make 1st payment to DCA.

I can understand that you are annoyed and there is nothing like writing a letter to get the frustration out, after that I have never sent most of them and have always gone back and made it simple and concise.

Answer those questions for me, and find the template letter to send for a copy of the CCA.

DAVEB71

I just checked a few statements and it seems I last paid the card Jan 2006 and HL Legal and Capquest didnt get involved till 24 Nov 2006 but all the letters I have are from 2007 onwards, I may of misplaced them but on the Jan 2009 SD it says:
The rights and duties of Skycard passed to the Creditor pursuant to an assignment dated 24th November 2006

btw is this the right address to send the cca request to, cheers mate:

Michael Daniels,
Capquest Group Ltd.,
Centaur House,
Ancells Business Park,
Ancells Road
FLEET
GU51 2UJ