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Capquest Statutory Demand Notice
mel23
Posts: 13 Forumite
Can anybody help with this matter asap, only a few days left to act, due to dealing with personal family matters!
Regarding an Aqua Credit Card and Capquest.
In July 2010 I received a letter from a company called Moorcroft who were demanding money for an Aqua Credit Card I had applied for in 2006. Questioning the balance at that time they were sent a letter requesting all documents related to that account plus £1.
On the 16th July I received a reply from Moorcroft confirming my account was on hold until my request had been dealt with. (original letter kept)
I heard nothing more so ignored it and did not get in touch with Moorcroft again.
In January 2011 I was being bombarded with calls from a company called Capquest, and would not even confirm who I was until they sent me something in writing to confirm who they were or what they were calling about. A letter was sent confirming who they were and that the call was in relation to this same card! So.....Moorcroft did nothing and passed it on I guess!
In short, I replied to Capquest stating that I had already contacted Moorcroft regarding this account, stating in was now in dispute, the reply I received was basically, Aqua had no knowledge of any previous request being made, and that as I had not submitted £1 they were under no obligation to act in any time frame. (How many times does one have to submit a £1 postal order to get any paperwork?)
After several weeks I was sent papers from Capquest, which were statements I still dispute because of the balance as lack of response means hundreds of added interest, I received a photocopy general t&c, a photocopy Aqua sold debt to Capquest, and an Application Form, headed "Your Priority Application Form" with just my signature and nothing signed by Halifax, the box is blank??
As I felt I was wasting my time they were determined to nail me for all this money, I chose to ignore threat after threat after threat.....7 in total I can lay my hands on since April alone.
I have now been issued with a SD notice and am unsure as to what I should do now, or to just carry on ignoring them, trouble is I am sick of the stress and the matter going on and on! Still lots of questions but any advice much appreciated, bearing in mind I have left myself with approx just 2 days to act
Regarding an Aqua Credit Card and Capquest.
In July 2010 I received a letter from a company called Moorcroft who were demanding money for an Aqua Credit Card I had applied for in 2006. Questioning the balance at that time they were sent a letter requesting all documents related to that account plus £1.
On the 16th July I received a reply from Moorcroft confirming my account was on hold until my request had been dealt with. (original letter kept)
I heard nothing more so ignored it and did not get in touch with Moorcroft again.
In January 2011 I was being bombarded with calls from a company called Capquest, and would not even confirm who I was until they sent me something in writing to confirm who they were or what they were calling about. A letter was sent confirming who they were and that the call was in relation to this same card! So.....Moorcroft did nothing and passed it on I guess!
In short, I replied to Capquest stating that I had already contacted Moorcroft regarding this account, stating in was now in dispute, the reply I received was basically, Aqua had no knowledge of any previous request being made, and that as I had not submitted £1 they were under no obligation to act in any time frame. (How many times does one have to submit a £1 postal order to get any paperwork?)
After several weeks I was sent papers from Capquest, which were statements I still dispute because of the balance as lack of response means hundreds of added interest, I received a photocopy general t&c, a photocopy Aqua sold debt to Capquest, and an Application Form, headed "Your Priority Application Form" with just my signature and nothing signed by Halifax, the box is blank??
As I felt I was wasting my time they were determined to nail me for all this money, I chose to ignore threat after threat after threat.....7 in total I can lay my hands on since April alone.
I have now been issued with a SD notice and am unsure as to what I should do now, or to just carry on ignoring them, trouble is I am sick of the stress and the matter going on and on! Still lots of questions but any advice much appreciated, bearing in mind I have left myself with approx just 2 days to act
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Comments
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With such little time left, I'd advise you start a thread on consumer action group asap.Happiness, is a Kebab called Doner.....:heart2::heart2:0
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Can you direct me please?? Thank you.0
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To add.
How much is the debt?
You need to get this set aside asap.Happiness, is a Kebab called Doner.....:heart2::heart2:0 -
http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?163-Debt-Action-Group
Post in the debt collection forum.Happiness, is a Kebab called Doner.....:heart2::heart2:0 -
Debt currently standing at £3624, hence the request made to Moorcroft in the first place!
Thank you for your help.0 -
No prob, let us know how you get on with this.Happiness, is a Kebab called Doner.....:heart2::heart2:0
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Hi
Read this recent thread https://forums.moneysavingexpert.com/discussion/3366686
Crapquest now have to pay wheeler £140 costs.If you've have not made a mistake, you've made nothing0 -
They've been in trouble a few times for using sd's as a debt collection tool. They need to be reported every time.
If the op has no assets, equity, or rents it's pointless anyway.Happiness, is a Kebab called Doner.....:heart2::heart2:0 -
Current circumstances = no assets, so nothing for them to gain! I am just so sick of the constant hassle and threats!
I know I have ignored them which maybe wasn't the right thing to do, but I was so angry that they denied I had made any previous request to Halifax via Moorcroft, and despite telling them I had proof of this. They are still keen to go ahead and take action, so why bother to repeatedly be contacting them and repeating yourself when they seem to know best anyway 0 -
It's almost certainly a willy waving threat, but always wise to try and get them set aside.
Did you start a thread on cag?Happiness, is a Kebab called Doner.....:heart2::heart2:0
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