Capquest Debt?

Bardock

http://forums.moneysavingexpert.com/showpost.php?p=52867311&postcount=23

Thats what they sent me, i posted it earlier in the thread. i need to know what i can say / do to get them to leave me the hell alone

Bardock

Still going round in circles with this company- but they released ONE bit of information in their most recent letter. I'll show below.

Dear Mr (Name)

Debt Purchased From: Shop Direct Financial Services
Account No. (number here)
Balance $419.18

Further to your recent correspondence and in order to process your communication further, we would request you provide the following information by 23 June 12 to assist us in resolving this matter.

(A box with a TICK) - Proof of Residence at time this account was opened 03-12-2005

Your assistance would be greatly appreciated. Please note that this is not a demand byt a request.

Yours Sincerely
(Squiggly Signature)
Collections Administration
0844 248 6669
Lo-Call Rates Apply


Anyone can throw me a bone to get these tools off my back?

Honestly i dont even know what this letter is asking me for, where i was living 6 years ago, that's not anyones business but mine?

Gordon_Hose

Well, I know I wouldn't be able to prove where I was living in 2005! lol

Personally, I'd just ignore it.

nottoolate

ignore them or just send their own letters back to them with

not my debt. not my problem

in red crayon accross them. theyll soon get the message

Bardock

Ok so i took your advice and ignored them, now i get this.



Dear Mr (Name)

Debt Purchased from: Shop Financial Services
Account no: 8724865927
Balance £419.18

As you will be aware we have communicated with you over a period of time to resolve this without the need for legal action. Costs incurred as a result of any litigation will be added to your balance, if we succeed in obtaining judgement against you.

My name is Marcus Butterworth and i have been appointed as your case handling supervisor.

Together with my team, it is my responsibility to progress you account through the litigation process, but also to assist and inform you on any query or question you may have.

Your case may be processed and passed to our solicitors on or around 11 Jul 12, a process that you can stop by telephoning 0870 0843 3536 to discuss your account, and reaching an amicable solution.

I will not be demanding payment in full. I will be open to suggestions from you on how this account can be settled.

If you contact us before 11 Jul 12 I can offer you a settlement figure on your outstanding balance. That means you only have to pay £314.39 to clear this account with us, and if required you can pay this over a 3 month(s) period.

You still have the opportunity to stop legal action and the possibility of settling your account over a period of time and by a method that is suitable to you.

I trust that you will take this opportunity to contact us and save yourself the possible expense of litigation and the problems that any litigation in which we were successful would possibly cause to your credit file.

We look forward to hearing from you.

Yours sincerely
(SIGNATURE)
Marcus Butterworth
Litigation Department
CapQuest Debt Recovery Limited


==========================

So what do i do now?

The debt even though ive said time after time is isnt mine also happens to be from 2005 :?

sistafromanothermista

If it's not your debt then ignore it!!! they can't pursue what isn't yours in the first place.....

fermi

Ignore it.

Or send ---> http://forums.moneysavingexpert.com/showpost.php?p=34906257&postcount=5

Your choice.

If it's not your debt, then doesn't really matter what you do.

DVardysShadow

Bardock wrote: »

Ok so i took your advice and ignored them, now i get this.



Dear Mr (Name)

Debt Purchased from: Shop Financial Services
Account no: 8724865927
Balance £419.18

As you will be aware we have communicated with you over a period of time to resolve this without the need for legal action. Costs incurred as a result of any litigation will be added to your balance, if we succeed in obtaining judgement against you.

My name is Marcus Butterworth and i have been appointed as your case handling supervisor.

Together with my team, it is my responsibility to progress you account through the litigation process, but also to assist and inform you on any query or question you may have.

Your case may be processed and passed to our solicitors on or around 11 Jul 12, a process that you can stop by telephoning 0870 0843 3536 to discuss your account, and reaching an amicable solution.

I will not be demanding payment in full. I will be open to suggestions from you on how this account can be settled.

If you contact us before 11 Jul 12 I can offer you a settlement figure on your outstanding balance. That means you only have to pay £314.39 to clear this account with us, and if required you can pay this over a 3 month(s) period.

You still have the opportunity to stop legal action and the possibility of settling your account over a period of time and by a method that is suitable to you.

I trust that you will take this opportunity to contact us and save yourself the possible expense of litigation and the problems that any litigation in which we were successful would possibly cause to your credit file.

We look forward to hearing from you.

Yours sincerely
(SIGNATURE)
Marcus Butterworth
Litigation Department
CapQuest Debt Recovery Limited


==========================

So what do i do now?

The debt even though ive said time after time is isnt mine also happens to be from 2005 :?

Dear Mr Butterworth

In response to your letter of <date> I would remind you in categoric terms that the debt you are alleging is nothing to do with me and the matter will be robustly defended. Further, you are instructed that there will be no negotiation of any payment towards this alleged debt.

If you are minded to pursue this matter further, I require you to forward

• all your proof of the existence of this debt,
• all your proof of your assertion that I am the debtor you seek,
• the complete record of the conduct of this account
  
• all contracts and agreements on which the alleged debt is based
• all correspondence with the alleged debtor prior to it being assigned to yourselves.
  

This material must include all information which you intend to lay before a court - in accordance with pre action protocols.

Short of taking the matter forward as given above, you are instructed to cease and desist from all further collection activity on this alleged debt. Should you fail to heed this instruction, your actions will be dealt with as harassment and also as reportable to the OFT.

Yours sincerely

Try the above

Bardock

In the end i just gave up, i got so bored of the back n forth with this company, i just stopped replying and would you believe it, so did they!

Since june i have heard nothing more from them. This pleases me

Moral of the story if they don't have a leg to stand on, just ignore them. If they had proof they would of done something a lot sooner.

spendaholic66

my mum has had two letters almost identical to this. From capquest saying they have bought the debt from from shop direct finance. The amount is over £100. My mum has NEVER EVER had a credit card, loan, store card, catalogue account, contract mobile, nothing. She has never been in debt in her life. She is old school and believes if you can't afford it you can't have it. She only has a bank savings account, and her wages get paid into her post office account. (No overdrafts) She is worried sick about this letter and when she tries to phone, it just rings and rings and no one answers. We can't understand where on earth this debt has come from ??