Capquest

sodje_13

Hi. This is my first post here. I am in the process of clearing some old outstanding debts relating to 2009. One of these is a £170.00 debt from Orange which was sold to Capquest. 2 1/2 weeks ago I had a phone call from them and an arrangement was made to make a card payment on 08/05/15 for the full £170. At the time they rang I was just off night shift and was half asleep when I agreed to do this. Jump forward to 06/05/15. I get paid weekly and I had realised that £170 in one go was going to be stretch as I had 2 other direct debits going out that week. So I rang Capquest and asked that the card payment be taken in 2 instalments of £85.00 instead. One on the 08/05/15 and the next on 05/06/15. The woman I spoke to assured me that the original arrangement had been cancelled, but that she couldn't make another one and that I would have to ring them on 08/05/15 to make the first payment or pay online (Maybe alarm bells should have been ringing by this time) I work 12 hour shifts and I was unable to ring them during their business hours, so I intended on making the payment online when I got home around 9.00 pm. On my way back from work. I happened to check my balance and they had still gone ahead and taken the full 170!! This has left me extremely short financially this week and I have had to borrow money to cover my other commitments. At no time did I receive any correspondence from them regarding the arrangement I made. I was wondering what my options are regarding this. Would I have any luck with the financial ombudsman?

sjw64

Unfortunately Capquest is a debt collection agency and they have done exactly what they have been instructed to do.

Lesson for everyone. Never ever ever give your banking details to any DCA and its letters only

sodje_13

Yes a lesson learnt. But with regard to them not cancelling the original arrangement as agreed and still taking the full amount, do I have no redress?

sourcrates

Sorry have to echo what the others have said, never, ever speak to a DCA on the phone, never, ever give one your card details.

They can say what they like to you on the phone, it cant be called up to prove anything, as the tape will mysteriously of been wiped.

Always deal with any DCA in writing only, unfortunately the FOS wont be able to help, its a lesson learned for you i m afraid to say. !!

poppasmurf_bewdley

sodje_13 wrote: »

Yes a lesson learnt. But with regard to them not cancelling the original arrangement as agreed and still taking the full amount, do I have no redress?

What redress would you like from them for you agreeing to make the payment and then taking what was agreed despite you wanting to change your mind?

PS. I'm saying this having been up all night at the General Election count following working on the campaign all day, so I am half asleep, just like you professed to be!