Help has anybody heard of Capquest debt recovery

alpha47_2

I had a letter out of the blue about three weeks ago telling me I owed £1041 to Littlewoods Finance. I had an account with them about 1997 and I cannot remember having a problem with it. I know I have not heard anything about it for more than six years
The letter was headed Ruthbridge Ltd.

So I sent a letter back to them was one from this website saying I did not acknowledge the debt , recorded deliver.

Today they sent me a letter telling me they are advising their client to commence bankruptcy proceedings. Lots of warnings about the official receiver and publishing in the London press.

I had just about paid off all my debts and thought I was at last on the road to being solvent. Even managed a normal bank account. I realise this is probably statute barred but I find the letter very worrying. Please could I have advice.















































































































3xxxx

RAS

Hi

Could you edit you post to remove the long space.

Also a lot of people get letters that suggest that non payment could lead to court proceeding and bankruptcy, even though any attempt would be laughed out of court. The important word is could.

We need you to type out the letter that they sent so we can advise you.

hypno06

First of all, capquest are bullies, and are just trying things on with you by using scare tactics.

There is a letter that you can write and someone more knowledgable than me will be along shortly with it, I am sure.

Don't worry though....they are just trying to scare you into paying up.

rog2

If the debt is more than six years old, and, providing you have had no written contact with, or made any payments to, the creditor for six years, then the debt is almost certainly covered by the Limitations Act, and is Statute Barred.
CRAPQUEST, along with a few other DCA's, seem to specialise in the collection of old debts, safe in the assumption that MOST debtors are unaware of their rights under the Limitations Act.

Alpha47

Hi
me again, had trouble trying to take the big space out of the post, it will not let me edit it. The letter I received reads
Letter Reads
WITHOUT PREJUDICE
Despite many attempts to contact you directly by telephone and letter, you
have totally ignored or disregarded all our efforts to resolve this
matter.We are now advising the client to commence bankruptcy proceedings.+
If this action is undertaken, you may be required to attend a personal
hearing, at which point the courts may have the power to a administer
bankruptcy order. This order then enables The Offical Receivers Officee,
to gain possesion and control of any goods and property.
A creditors meeting would then be held to determine the extent of your
assets and and also your total indebttedness.
The bankkruptcy order would then be advertised in the London Gazette and
your local newspaper.
The official receiver will usually employ an accountant to interview you, so
that a statement of affairs can be drawn up.
Once the full extent of your financial position has been obtained, any
monies gained from the seizure of assets or from liquidity, would be
distributed to your preferential creditors, such as Inland revenue and any
others holding a secured debt.
Your unsecured creditors would then be dealt with on a pro rasta basis and
any shortfall in monies will be recovered via attachment to your income, or
if self employed garnishee order.
If you do not co-operate fully, you could be declared bankrupt immediately.
In order to discuss your settlement proposals and to prevent the above
course of action, please telephone the undersigned immediately, quoting
reference xxxxxx

I had just about paid off all my debts and thought I was at last on the road
to being solvent. Even managed a normal bank account. I realise this is
probably statute barred but I find the letter very worrying. Please could I
have advice.
Also I have just retired and I don't have many debts now, just one or two
small catalogue payments that I am paying regularly.

RAS

Hi

Confused. You sent a CCA letter to Ruthbridge three weeks ago re littlewoods. Have they responded to this?

You have got a letter from Crapquest today To what does that relate? is it possible it is two things?

Can you get your credit records PDQ, just in case something is on there.

moonlightpjs

Hi there
Firstly, can you clarify which company has sent you the letter?
Secondly, can you tell us who you sent the CCA to?
Are both the DCA's chasing the debt from Littlewoods?

If you are sure that you have had no contact with anyone regarding this debt in the last 6 years and you have not made any payment/acknowledged the debt then whoever is chasing the Littlewoods debt doesn't have a leg to stand on - see Rog's post above.

If the letter you recieved relates to the Littlewoods debt and the above applies then you have nothing to worry about.

Its hard to comment on what you should do next without knowing who is chasing what and who sent which letter but the fact remains that the Littlewoods debt looks like it is statue barred and as Rog has said DCA's will look for debts coming up to the 6 year period and try and frighten you into paying them.

Without a true CCA they cannot take you to court or for that matter if the debt is statue barred but to advise you further we will need you to clarify the above points. They are highly unlikely to have a CCA for a catalogue debt.

Both Ruthbridge and Caquest are two of the worst DCAs who who use any means/threats etc into getting you to pay.

Please post again and tell us exactly who, when and what etc

Look forward to reading your reply.

moonlightpjs

In your last post, you stated that you are making one or two small catalogue payments - is one of these to Littlewoods?

Alpha47

Hello
Thanks for your speedy replies.

The first letter was for LIttlewoods, from Ruthbridge not mentioning Capquest. both letters from Ruthbridge.

They both refer to the same debt, they have the same reference. I sent the letter saying I did not acknowledge the debt recorded and I will check when it was received . It went to Ruthbridge who had sent the letter, I copied the letter from this site.
I am pretty sure I have had not contact wtih them. The only thing on my credit file is a gone away without telling them, but I know I had a telephone conversation with another debt company same debt about 2001 telling them I had paid my oustanding debts and they knew my new address. Although they had my address they marked my file gone away. They also marked me in default with Littlewoods, I still do not remeber this account. But thats off my file because its over six years.
I only checked this stuff recently to try to find out how to clear up my file.
My other debts are just about £300 to Empire and La redoute, I pay them every month.
Well thats about it.
Thankyou

rog2

Alpha47 wrote: »

Hi
me again, had trouble trying to take the big space out of the post, it will not let me edit it. The letter I received reads
Letter Reads
WITHOUT PREJUDICE
Despite many attempts to contact you directly by telephone and letter, you
have totally ignored or disregarded all our efforts to resolve this
matter.We are now advising the client to commence bankruptcy proceedings.+
If this action is undertaken, you may be required to attend a personal
hearing, at which point the courts may have the power to a administer
bankruptcy order. This order then enables The Offical Receivers Officee,
to gain possesion and control of any goods and property.
A creditors meeting would then be held to determine the extent of your
assets and and also your total indebttedness.
The bankkruptcy order would then be advertised in the London Gazette and
your local newspaper.
The official receiver will usually employ an accountant to interview you, so
that a statement of affairs can be drawn up.
Once the full extent of your financial position has been obtained, any
monies gained from the seizure of assets or from liquidity, would be
distributed to your preferential creditors, such as Inland revenue and any
others holding a secured debt.
Your unsecured creditors would then be dealt with on a pro rasta basis and
any shortfall in monies will be recovered via attachment to your income, or
if self employed garnishee order.
If you do not co-operate fully, you could be declared bankrupt immediately.
In order to discuss your settlement proposals and to prevent the above
course of action, please telephone the undersigned immediately, quoting
reference xxxxxx

As someone who has gone through the process of being declared bankrupt by a creditor (in my case HMRC) all I can say is that this letter is totally wrong, and seems to be intended to 'frighten' you into admitting to an alleged debt and committing you into a payment plan which you will probably not be able to keep up payments.
The letter is so full of wrong and misleading statements that I will not even begin to contradict as it will only 'bring on the trolls' who will do their utmost to 'belittle' your situation.
You need to talk to CAB or PAYPLAN, who, hopefully, will talk to these 'criminals' on your behalf.
EVERYTHING in this letter goes against all of the guidelines, laid down by the Office of Fair Trading, to which Debt Collection Agencies are supposed to adhere.
In addition, they are giving you TOTALLY inaccurate information as to what the process, and implications, of BANKRUPTCY are.
These THUGS need reporting to the Trading Standards Office.
DO NOT PHONE THEM, OR CONTACT THEM, UNTIL YOU HAVE TAKEN ADVICE FROM EITHER ONE OF THE DEBT CHARITIES, SUCH AS CAB, PAYPLAN OR CCCS, OR A SOLICITOR.

Alpha47

Thanks for all your posts, I will take advice from CAB and I will contact trading standards on this one. I think Littlewoods have sold this debt to Capquest and they have Ruthbridge working on it. I am only aware of an account to Index about 1997, when I became ill. But the balance was nothing as high as this a lot of my debts were paid off from insurance I had I might have missed this one, I am fairly sure it is at least six years since contact.