Disputing debt to capquest

king100

Not sure about the address whatever is on the letters, be prepared for the usual response of we have asked for the information but you need to keep up with the payments. Thats c***.

As soon as 12+2 days is up from posting you can then send letter in dispute and sit back and relax.

Oh Oh VIP VIP

Do not sign the letter
Do not sign the letter
Do not sign the letter
Do not sign the letter
Do not sign the letter
Do not sign the letter

PRINT NAME as its known to copy and paste from letter to CCA.

Let us know or pm me when you get an answer or at least let us know whats going on.

DAVEB71

Cheers mate, definately will keep you upto speed on developments, the only question I have now is should I suspend paying them while all this is going on

king100

Keep paying until 12+2 days are up, then send dispute letter if they don't send CCA, then stop paying.

DAVEB71

Posted off CCA today (14th June) by recorded delivery with postal order, do I wait 12+2days from today which would be 28th June ?
Cheers

DAVEB71

Just an update on my CCA request to capquest, they sent me back a letter(dated 16th June) stating that my account is now "on hold for 28 days" and they are asking if I have any proof of payements or correspondence that would assit with my query and then asking me to forward these documents with a brief covering letter to the Collections Administration department so that they can resolve this matter as soon as possible.

So what happens now, and reading between the lines does the above response reveal anything ?

Cheers everyone

DAVEB71

recieved a photo copy of the original credit agreement from skycard with my signature on it today from capquest along with a statement of how much I paid to date to capquest which is still about £1000 more than the original balance is this the end of the line? IT ALSO SAYS IN THE COVER LETTER THAT MY ACCOUNT REMAINS IN DEFAULT AND THE FULL BALANCE IS PAYABLE???

king100

Does the agreement have the correct info

B Repayments
A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-
(a) Number of repayments;
(b) Amount of repayments;
(c) Frequency and timing of repayments;
(d) Dates of repayments;
(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

C Rate of interest
A term stating the rate of interest to be applied to the credit issued under the agreement
D Credit limit
This may be a term or the manner in which it will be determined or that there is no credit limit.

king100

I think that capquest can charge interest but £1000 more than original sounds alot, what apr was the card?

DAVEB71

They have sent me CCA from June 2005, skycards t&c, copy of statements. It seems like and is titled as the original application form

B Repayments
A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-they have sent me a standing order form out for me to sign, but I am reluctant to sign anything now
(a) Number of repayments; it shows how many payments made to capquest including added interest etc
(b) Amount of repayments; it shows how much I have paid
(c) Frequency and timing of repayments; it shows the frequency of payments
(d) Dates of repayments; it shows the dates of repayments
(e) The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what is payable.

C Rate of interest
A term stating the rate of interest to be applied to the credit issued under the agreement the apr shows 11.9, 16.9, and 24.9 for standard purchases
D Credit limit
This may be a term or the manner in which it will be determined or that there is no credit limit.

I am gutted to say the least as I have repaid nearly £700 to date with nearly £1200 outstanding on an original opening balance from them of just over £1300, this has got to be wrong, it seems they have license to charge what they like, its disproportionate to say the least, I wouldn't mind I hate these b*****ds out of all the DCA'S, they are parasites, so is there anyway forward or have they got me by the b*****ks now

RAS

When did you last pay any money on this account?

Also an application form may not be a CCA.

What we need to understand is what you are supposed to have bought with this.

Was this a loan for one item or a "store card" allowing you to buy from them or credit card? Because what you have written in bold make no sense at all in terms of determining if this is a valid CCA.