Capquest Shysters

KeyserSoze1

Hello,
Here's my story. Sorry for the long winded post but the background needs to be elaborated to clarify why the questions are being asked.

Here goes....

I used to live in Stretford Manchester, banked with RBS on their Royalties Gold account and they bent over backwards for me due to the excellent salary I received from my employment (circa £50k). They offered me all sorts which included a mortgage of over £200k at a favourable rate (they said here's the mortgage go and get yourself a house), a consoldation loan to settle car finanace & some cards and a very large overdraft. They couldnt do enough for me and I had an excellent relationship with them. Looking back, like a fool I fell for the "help" and offers from RBS.

Since losing this well paid job in December 2003 my financial & personal circumstances and health have been been topsy turvy to say the least. This has caused no end of financial problems for me over the years.

I was in well paid employment and had a personal loan with RBS back in late 2002/early 2003 & a current account with a largeish overdraft. I'm unsure if the personal loan was ever valid because I recall that the loan paper work & application documentation was made on "business" loan paperwork even though it was a personal loan in branch by their loan officer at the Chorlton-c-Hardy branch.

After losing my job in December 20th 2003, for obvious reasons I could no longer afford the repayments on the loan and the overdraft could not be cleared. I felt that I was safe for a while due to protection insurances that were in place. The loan insurance wouldnt payout and RBS relationship soon turned sour. They sent out people to my home to collect the bank cards, credit cards and chequebooks and charged my account £150 for the privelege of the visit. Needless to say this speed of the turnaround in my financial circumstances was frightening and sickening. Thank god I never accepted the mortgage deal. I found myself unemployed for over 6 months. I lost everything, my home which I was renting at the time, my car, my partner and my daughter. I ended up living back at my mother's

A year later, the parasites called CapQuest started their harrasment, demading over £21k from me. At the time my employment was paying less than half of my previous salary and with maintenance payments to my ex for my daughter and home rental, could not make nay real payment to Capquest and any offers of token payments at the time £1, £10, £50 were steadfastly refused. All sorts of threats were made, by Crapquest & RBS and due to their harrassment I ended up with poor health which manifested itself when I suffered several epileptic seizures through stress.

In 2006 I moved to a new area in the country after landing in better employment, again after further harrassment, I offered £100 monthly payments to them which was accepted at the time. These were being made until March 2008. After which time again due to a drop in salary and extremely tight circumstances through health (epileptic seizure suffered in Jan 2008) ended up with me having to live away from home in a shocking cheap poor B&B to enable me to continue my employment because that was all I could afford. Financial circumstances were tight due to the B&B, travel costs, maintenance and home rental concerns. At this point I ended up in the sh*tty cycle of payday loans.

Since the last payments in March 2008 to CrapQuest, no real contact from the barstewards other than the odd letter that went ignored. Again found a better job in October 2008 which improved my career, paid more but again meant that I had to live away from home. Telephone calls from over 6 different numbers from Crapquest threatening all sorts of action from them were received on countless occasions and no matter of token payment offers would be accepted. Since then no contact from them whatsoever be it mail or telephone. Then through stress I suffered a ischemic stroke in March 2009. Was off work for 12 weeks and returned in late May 2009. After three months my employer was making noises that they felt my health was too much of an issue for them and eventually offered me a compromise agreement to buy me out of my contract in November 2009.

Found myself unemployed for 4 months then eventually landed a job in March 2010 which was once again less than half of my previous salary. Struggled in the role for three for three months then went self employed as a consultant in June 2010. Was in continuous employment with three different clients and this has enabled me to get out of the PDL cycles and sort out some other debts. Have made an offer to Crap Quest in full & final settlement but was refused. The self employment lasted until August this year then been out of work until today. The interim contract is for 6 months and is working away from home in Norwich over 260 miles away from home.

Have received a call from my partner this evening to say that there have been two letters hand delivered today to my home. She thought immediately that it has come from bailiffs chasing me for some other unpaid debts. It turns out that it is from a supposed independent doorstep collection service that CrapQuest employ called ResolveCall that more or less is citing two reference numbers and requesting a call to an 0844 number. I doubt that they are independent....

Made the call to them to which I was told that the letters pertain to the original two CrapQuest accounts from 2003. I have requested a SUBJECT ACCESS REQUEST from them and they have said that they do not have any paperwork from CrapQuest and cannot forward this. So how can they demand payment if they do not have any paperwork to substantiate what the original cases are? I asked for further info at which point they forwarded me to the !!!!!! Crudquest. After "security" checks, I was told that the contact pertained to the Original RBS accounts. Demanded £21k and would not listen to any offers. To which I requested for the SAR which I have sent this evening. How can they demand payments for accounts which were RBS and I know full well that RBS will never see a penny from them as cruddyquest bought the debt for pennies in the pound. They are out and out bloodsucking leeches who use harrassment and ignorance of laws to bleed people dry.

Questions that I would like to ask of the enlightened souls of this forum are

• Are these accounts statute barred despite there being payment made in 2008?
  
• Despite the fact that I've had telephone conversations with the barstewards, does this make the statue barred timeline start again from March 2008 or from today?
  
• If the SAR is not forthcoming, can they enforce the collection?
  
• As far as I am concerned my debt was with RBS, never with CapQuest in any circumstance whether or not the debt was "purchased" by them. Through the purchase do they have any legal rights to pursue & enforce this when the orginal debt is RBS's?
  
• Also the debt does not show anywhere on my credit reference files, nor is there any CCJ that pertains to this, on this basis is this enforceable?

fermi

Only two things restart the 6 years. Either a payment by you or a signed acknowledgement in writing by you.

Phone calls cannot do it. No matter what is said. Even if they are recorded.

Them writing to you does not do it either.

So I gather 2008 was the last payment or acknowledgement in writing?

If so then the debt would not be statute barred until 2014.

Did you make the SAR in writing? If so, when?

KeyserSoze1

The SAR has been made this evening. They should receive the SAR in the post in the next couple of days.

fermi

In that case I suppose it depends on how you worded the SAR.

It's actually reasonably hard to make a valid acknowledgement in writing.

It must be done:

"by making an unequivocal written admission clearly acknowledging that the obligation still subsists."

However, it's still not going to be statute barred until 2014 at the earliest even if a court decided that the SAR request didn't count.

fermi

KeyserSoze1 wrote: »

They said email would be fine

Please remove the personal details and reference numbers from that post or delete it entirely.

Hanky_Panky

KeyserSoze1 wrote: »

Hello,

Questions that I would like to ask of the enlightened souls of this forum are

• Are these accounts statute barred despite there being payment made in 2008?
  
• Despite the fact that I've had telephone conversations with the barstewards, does this make the statue barred timeline start again from March 2008 or from today?
  
• If the SAR is not forthcoming, can they enforce the collection?
  
• As far as I am concerned my debt was with RBS, never with CapQuest in any circumstance whether or not the debt was "purchased" by them. Through the purchase do they have any legal rights to pursue & enforce this when the orginal debt is RBS's?
  
• Also the debt does not show anywhere on my credit reference files, nor is there any CCJ that pertains to this, on this basis is this enforceable?

Questions that I would like to ask of the enlightened souls of this forum are

• Are these accounts statute barred despite there being payment made in 2008? No Date starts from last payment in 2008
  
• Despite the fact that I've had telephone conversations with the barstewards, does this make the statue barred timeline start again from March 2008 or from today? As above - the clock starts from the date of last payment.
  
• If the SAR is not forthcoming, can they enforce the collection? The two aren't related, apply for the information certainly but do not stop any activity to resolve the debt
  
• As far as I am concerned my debt was with RBS, never with CapQuest in any circumstance whether or not the debt was "purchased" by them. Through the purchase do they have any legal rights to pursue & enforce this when the orginal debt is RBS's? Irrelevant to you I'm afraid - perfectly legal to sell debts on.
  
• Also the debt does not show anywhere on my credit reference files, nor is there any CCJ that pertains to this, on this basis is this enforceable? Certainly sounds enforceable from what you have written so far - it's good news for you that it doesn't appear anywhere yet.

fermi

In response to the extra questions added to the first post since I last looked.......

Only thing I would add to that is the reason that these do not appear on credit reference files is because any defaults entered would now be over 6 years old. So all details of the accounts would have been removed from credit reports, and no further details can now be added.

With the exception of any future CCJ that is. That would still be possible, and would go in the public info section on credit reports for 6 years rather than the credit account sections.

fermi

Spoke too soon.....

What information are you hoping to get from the SAR? To what end?

KeyserSoze1

fermi wrote: »

Spoke too soon.....

What information are you hoping to get from the SAR? To what end?

In regards to the CCJ's that were attributable to the original RBS debts, these no longer appear on any of my credit reference files from any of the reference bureaux (experian, equifax, call credit), nor is there any reference to any CapQuest stuff on there.

In regards to the SAR, I wish to see the original paperwork from RBS. I doubt that CapQuest would be able to produce this having been requested to do so on three previous occasions, twice by me and once by CAB.

Crudquest have come back by mail, saying that they want two payments of £10 each for admin charges and a copy of my passport or driving licence for proof of identity. £10 x 2 for admin charges seems to be very excessive to me.

I find the request for my passport or driving licence highly dubious as both documents have electronic copies of my signature and I have read posts in the past on here and the CAG, where the low scum shysters have copied people's signatures and cut & pasted them into documentation. :mad: I would never apply a signature on any mail exchange with CapQuest.

Lastly whilst it may be legal for DCA's to purchase debt and then pursue payment of the debts, I find the tactics, use of harrassment, peoples ignorance of the law to be wholly reprehensible and from the countless posts CapQuest seem to stop at no ends to make a buck on debts that they have purchased for very little pennies in the pound.

Hanky_Panky

KeyserSoze1 wrote: »

In regards to the CCJ's that were attributable to the original RBS debts, these no longer appear on any of my credit reference files from any of the reference bureaux (experian, equifax, call credit), nor is there any reference to any CapQuest stuff on there. OK - what's your question here ?

In regards to the SAR, I wish to see the original paperwork from RBS. I doubt that CapQuest would be able to produce this having been requested to do so on three previous occasions, twice by me and once by CAB. OK - as Fermi says - 'to what end?'.

Crudquest have come back by mail, saying that they want two payments of £10 each for admin charges and a copy of my passport or driving licence for proof of identity. £10 x 2 for admin charges seems to be very excessive to me. This is the normal fee and you will have to pay it for both accounts if you wish to see the information - it may be possible to only submit one £10 fee for all of it but I am not sufficiently knowledgable to state accurately.

I find the request for my passport or driving licence highly dubious as both documents have electronic copies of my signature and I have read posts in the past on here and the CAG, where the low scum shysters have copied people's signatures and cut & pasted them into documentation. :mad: I would never apply a signature on any mail exchange with CapQuest. CAg are possibly the only organisation lower on the food chain than Capquest IMO. Some of the 'advice' they dish out is scandalous. Never heard of an agency falsifying a document like that but suppose it could happen. However - how are they supposed to confirm you are who you say you are ?

Lastly whilst it may be legal for DCA's to purchase debt and then pursue payment of the debts, I find the tactics, use of harrassment, peoples ignorance of the law to be wholly reprehensible and from the countless posts CapQuest seem to stop at no ends to make a buck on debts that they have purchased for very little pennies in the pound. This is business my friend ! Love it or hate it you tacitly agreed to this when you borrowed the money.

Answers above - or should I say more questions !

thechippy

CAg are possibly the only organisation lower on the food chain than Capquest IMO. Some of the 'advice' they dish out is scandalous. Never heard of an agency falsifying a document like that but suppose it could happen. However - how are they supposed to confirm you are who you say you are ?

It has actually happened - hence the advice.
They are being pedantic - they are quite happy to send delicate / private information to the op at that address, so they are already satisfied they are communicating with the correct person.

..........;)