Capquest Debt?

Bardock

Hello i am new to the forum and i received a two letters this morning.

The first has a black 'header' with white 'foreground' lettering saying:
'Shop Direct Finance Company Limited'

Then my name and address

Then something that looks like this:
l.lll.i..ll.l.lll.ll.lll.ii.ll
then one of those square barcode thingys you can scan (which doesn't goto anything at all by the way)

Then here is the letter.

Dear Mr (Name)

Account Type (This is completely Blank ????)
Account No: 03169189

We Hereby give notice of the assignment of the debt due from you in respect of the balance of £419.18 outstanding on you Shop Direct Financial Services account.

On your account (yes there are two spaces between ON and YOUR) was legally assigned to CapQuest Investments Limited who has appointed on of their group companies. CapQuest Debt Recovery Limited. to manage (yes a full stop and then a lowercase t, not very professional) your account on their behalf.
Any communications and payments regarding the above account must now be addressed to:

Capquest Debt Recovery Limited
P.O.Box 396
Fleet
Hampshire
GU51 2WZ

Telephone Number: 0844 248 6669 Lo-Call Rates Apply

Yours Sincerely

Signature Here

Marie Marsden
Head of Credit Operations


Now i will tell you what the next letter said (btw both were sent on 8th February)

Capquest
Debt Recovery

My Name and Address

More of this :
ilii..llii.lliiil..lli...iii.ll
and another square barcode thingy that doesn't link to anything.

Dear Mr (Name)

Debt Purchased From: Shop Direct Financial Services
Balance Due: £419.18

This Correspondence is to inform you that your account , Reference number 03169189, has been sold to Capquest Investments(yes another two spaces in this letter also after YOUR and before ACCOUNT)Limited who have appointed CapQuest Debt Recovery Limited as one of their group of companies to manage your account in all matters relating to collection and litigation.

It is our aim to ensure that a suitable payment plan is agreed and maintained. Our experienced team of negotiators are here to assist you in finding a plan that will clear you indebtedness without the need for legal action.

This matter will not go away, you will need to deal with this now by calling us on: 0844 248 6669

If a satisfactory payment programme is not established and or you fail to comply with our request to contact the firm, we will not hesitate to utilse (I swear they've incorrectly spelled 'Utilize')the legal system to its full extent.

If you do not make contact by 21 Feb 12 your account will be passed to our soliicitors H.L.Legal.

Legal action will increase the amount you owe and may have a detrimental effect on your credit worthiness.

No contact will mean further action

How to pay:

Methods of payment and other useful information are shown on the reverse of this letter.

All Payments by cheque or postal order are to be sent to: P.O.Box 396, Fleet, Hampshire, GU51 2WZ.

Please quote reference number: 0096577978 on all correspondence and on the reverse of all payments being made by cheque or postal order to ensure prompt administration.

Yours Sincerely

(Unreadable Signature)

Debt Purchase Management
(No Name to go with signature)

---

I apologize for the length but i had to type both letters out manually.

Facts:
I have not had ANY finance from Shop Direct Finance or anyone for that matter.
I have checked the Shop Direct Finance site and seen what Brands they have and i have never had anything on Finance for sure.

The only outstanding debt i have is:
Credit Card £557 (£500 limit) which i have a payment plan with the bank which has been going fine for a long time now.


Any help with this matter please?

fermi

Bardock wrote: »

Facts:
I have not had ANY finance from Shop Direct Finance or anyone for that matter.
I have checked the Shop Direct Finance site and seen what Brands they have and i have never had anything on Finance for sure.

The only outstanding debt i have is:
Credit Card £557 (£500 limit) which i have a payment plan with the bank which has been going fine for a long time now.


Any help with this matter please?

Letter to send by record delivery in this link.

https://forums.moneysavingexpert.com/discussion/2607247

Make sure you check your credit files to make sure they haven't recorded a default against your name for someone else's debt. It does happen!

Bardock

fermi wrote: »

Make sure you check your credit files to make sure they haven't recorded a default against your name for someone else's debt. It does happen!

Thanks for the reply and suggestion w/ link

I already have this letter ready to send. I checked this site before signing up and wanted to make sure i would be doing the right thing.

How do i check my credit files?

fermi

Details on the main site here: http://www.moneysavingexpert.com/loans/credit-rating-credit-score#files

Bardock

fermi wrote: »

Details on the main site

Thanks again.

Why would i receive this out of the blue though?
I moved to where i'm living just about a year ago and have been contacted now?

fermi

The companies use credit files, other databases etc to try to "trace" the person they are after.

Unfortunately this is often very error prone, especially if a lot of time has elapsed since the debt was owed. Happens much more often than is acceptable.

DVardysShadow

Bardock wrote: »

... Why would i receive this out of the blue though?
I moved to where i'm living just about a year ago and have been contacted now?

When you next see a thunder cloud landing bolts of lightning, look for any evidence of a sense of responsibility to get it right. You are more likely to find it with a thunder cloud than with a Debt Collecting Agency.

fatbelly

I think you should have a bit of fun. What about amending that final paragraph.

We await your written confirmation that this matter is now closed. Otherwise we will not hesitate to utilse (sic) the legal system to its full extent.

Works both ways...

fermi

Maybe.....

This complaint is not going to go away. Ignoring it could potentially make your situation worse, and have a detrimental effect on your consumer credit license

Bardock

Sent the letter recorded delivery several weeks ago and hadn't heard anything, today i received a phone call from someone called roger from capquest, he asked for me, and i said 'speaking' he asked me to confirm my postcode for security reasons, and i said 'no! i sent a letter back to your company several weeks ago, and if you have any legal documentation of me having any such debt, you will have to send it to me through the post as i am not discussing this matter over the phone.

He was like 'so are you refusing to answer any security questions' i said 'that is correct'
he said 'ok thanks for your time' and something about putting it in the notes...or comments or something..;.

Anyways, i believe i dealt with it ok.

Anyone else had any familiar phone calls after sending a letter?

fatbelly

Bardock wrote: »

Anyways, i believe i dealt with it ok.

Yes, I think you did!