Severe harassment from Capquest

MRDOLLAR

Hi there,
Really hoping you can help I'm getting constant calls from Capquest regarding what I firmly believe is a statued barred debt.
If you look at my previous posts under the name MRDOLLAR you will see the nightmare of Capquest.
Recently Capquest have sent a letter saying the debt of £2200 is not statued barred as I made a direct debit payment in 2008.
They have sent screen print out of there account system of all my payments.
I am waiting to receive a bank statement from 2008 to see if this payment is true I don't think it is!
I have written many letters stating do not call and I wish only to communicate in writing but they go cold for a few weeks and then the calls start all week until I send another letter.
My partner is distressed i can't stand to hear the phone ring as soon as I here it's Capquest I put down.
My partner has also spoken to them and said I was not here and they asked where I was!!! Also my partner said she believed I had written a letter and all was resolved the operator then laughed and said I don't think so , my partner then out phone down 4 days ago and the phone has not stopped ringing.
Hoping you can help, tonight the land line went an answer phone message saying a call for me and press 1 then it went through to Capquest and a man answered I put the phone down.
I'm waiting for official bank statement and if I have made a dd payment I'm screwed.
What a nightmare hope you can help .

Tixy

The letters you have sent asking them not to call you - were they from a template saying that if they continued to call you would report them to the OFT, OFCOM, trading standards or the FOS?

Have you actually made a complaint about them to any of those?

In the meantime - do you have caller id on your landline? do they call from the same numbers? are you able to block those calls? or even unplug the phone in the short term and warn friends/family to call your mobiles?

happy_bunny_2

I think there's another thread regarding a screen printout I've seen recently.

Doesn't prove you made it.

You could send them a subject access request. It may reveal contradictory info.

MRDOLLAR

The letters I have sent state clearly I wish only to communicate via post.
I have not reported them to any of the body's above of com etc.
Is this what you would now recommend ?
The print out they sent is meaningless as I can't work it out !
Hoping you can hope your amazing all of you.

paye

ask them for the direct debit details, date and amount that was taken. Then look through your statements or ask your bank to check this.

dancingfairy

report them. It's the only way they will learn.
Also have a read of the having fun with Debitas thread (A quick thread search should find this). Hopefully it will cheer you up in the meantime.
df

spacey2012

The Famous appearing payment again.

They will stop calling if you abuse the caller.
Just a tip.

MRDOLLAR

I'm not going to speak to them over the phone but I would like the phone calls to stop and of course I still believe debt is statued barred.
But I can't prove until i receive statement from my bank.
I set up a direct debit with them and missed many payments If they did take a dd payment it was certainly not with my permission!
All help and advice is noted thank you

happy_bunny_2

Sometimes companies reinstate a DD. Only supposed to do so with your permission, but they do. RBS did this with the OH until we complained.

sourcrates

MRDOLLAR wrote: »

I'm not going to speak to them over the phone but I would like the phone calls to stop and of course I still believe debt is statued barred.
But I can't prove until i receive statement from my bank.
I set up a direct debit with them and missed many payments If they did take a dd payment it was certainly not with my permission!
All help and advice is noted thank you

MRDOLLAR, for the small sum of £20 (on a well known internet auction site) you can buy a wonderful new BT phone on which you can barr up to 10 individual numbers, plus any international, withheld, or no caller id numbers too.
The handsets are all returned stock, new in every other sence, wonderful for blocking DCA numbers, I got one, they work a treat, for peace of mind I would highly recommend.

MRDOLLAR

Hi Guys,
Im back yet again and Capquest still are continuing persisting to call.
I am not talking to them i only communicate via post!
They are making me stressed and ill they are really pressurizing myself.

As you may have seen from my previous posts i am having great difficulty with this debt company this has been on going for many years.

On my Credit file the debt does NOT now show it previously showed as last default date was 14 Sept 2007. This led me to believe the debt was stat barred.
So i wrote to Capquest and basically told them the debt is statued barred.
They then wrote to me " we can confirm our records show a payment was made to this account on 12 may 2008"

I then wrote back this template letter :

http://forums.moneysavingexpert.com/...69&postcount=8

Capquest then sent me there so called proof of payment statement screen along with letter:
http://i941.photobucket.com/albums/a...estNov2013.jpg
http://i941.photobucket.com/albums/a.../statement.jpg

I have just received my Barclays bank statements which i have requested as Capquest have "claimed" this debt is not statue barred so i wanted to investigate Unfortunately it DOES show that i have made payments on
01/10/08 £250.00 (First Direct Debit)
09/01/09 £20.00 CCP i assume this Credit card payment via over Phone?
23/03/09 £62.00 CCP " "

I Cant find any records of any payment on 12 May 2008 which they claimed in a previous letter or 04/09/08 £150.00 as on statement which they claim was a card payment.

Another Strange concern is i recieved a letter dated 8th July 2008 from Halifax stating that my account has been sold to Capquest.

I recieved a letter on 20th September 2013 from Capquest saying a payment was made on 12th May 2008 i have no record of this!

If you look at bottom of letter 08/07/08 Halifax amount outstanding on your account as at 12 May 2008 was £2670.00 - Capquest claim a payment has been made on 12 May 2008 yet on there computer statement screen printout on 04/07/08 its same value £2670.00 this is not a payment!!!

http://i941.photobucket.com/albums/ad255/MRDOLLAR/capquestnovember13.jpg

http://i941.photobucket.com/albums/ad255/MRDOLLAR/capquest2november13.jpg

Really hoping someone can ease or help my sleepless nights and help me draw up a letter thats very much legal to help my case.
I understand i have made a direct debit payment and x2 phone payments back in 2008 i dont honestly remember phone payments or setting up direct debit!
It looks like they have me but i am very much concerned with there misleading information and claims!!
Does this look likey that i will have to pay if so how much or shall i wait another year! i dont want any ccjs or anything along those lines.
Should i ask for a settlement figure and what amount shall i pay#?

As you can see im very confused angry in fact all emotions.
if someone can help i would be very grateful.

many thanks in advance