Capquest - a quick question

itsnever2lateisit?

Have you reported your ex for fraud? By making payments to them you have in effect admitted the debt

Gale_10

Hello there,

Write to Capquest and ask for a CCA, using the letter template from a previous poster on this thread. If they have one they must send it to you. Probably they wont have one, and if they do it wont be signed by you. You have to enclose £1, which is the standard fee.

If they don't have a CCA signed by you they cannot chase the debt and also you can ask them to give you back the money you have paid them.[FONT=&quot]

Don't sign it, just print your name because they have been known to forge your signature on a CCA.

There are other letters to send after you have waited the twelve working days (12+2), then another one after 30 days, then you can report them to OFT and TS and other financial bodies.

I hope that is useful to you.

Gale

P.S. Sorry for the change in font, my pc seems to have a mind of its own!




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Gale_10

I missed this bit out, you can write to them satellite, and tell them you will only deal with them in writing.

Gale

satelliteone

thanks for your advice gale .. got the letter template, iam going to send it. love to see the CCA, i bet my signature is faked too...if it is iam staight to the police station with it..

I admited the debt by paying them itsnever2lateisit ? They bullyed me to pay with threats of court action, and would effect my credit history. I had visions of ballifs at my door too.. all i wanted to do is clear my name chap..

thanks again..

itsnever2lateisit?

satelliteone wrote: »

thanks for your advice gale .. got the letter template, iam going to send it. love to see the CCA, i bet my signature is faked too...if it is iam staight to the police station with it..

I admited the debt by paying them itsnever2lateisit ? They bullyed me to pay with threats of court action, and would effect my credit history. I had visions of ballifs at my door too.. all i wanted to do is clear my name chap..

thanks again..

Thats why I dislike these outfits with a passion. IMHO preying on the financially vulnerable should be a criminal offence. Preferably with a minimum penalty of 1. winding the company up 2. Distributing the assets to a debt charity and 3. Barring the directors from holding such a position for life

satelliteone

Thanks for the replies so far, I have sent the first letter.. so now the 12+2 days.. Which letter do i send next..

thanks

nottoolate

you could always go to HL Legals site an send capquest a letter back

you only need a debit card and 75p :rolleyes::rolleyes::rolleyes::rolleyes:

http://www.hllc.co.uk

"Welcome to the HL Legal & Collections commercial debt recovery and credit control site which gives you immediate access to Solicitors letters.
Send your own late payment and debt recovery letters within minutes from as little as 75 pence per letter.
Compliment your credit control procedures with a full range of Solicitors letters whilst staying in control.
Improve cash flow by reducing debtor days"

satelliteone

Sent off the letter this week and got a reply to day stating

the account is now on hold for 28 days, a copy of how much ive already paid from the collections admin dept.

what do i send next peeps?..

thanks in advance.

RAS

Please send phatbear's letter from post 8.

Even if you have been paying it, unless they they send the CCA signed by you in 12 working days +2 , they cannot chase you for the money.

And if they cannot produce it after another 30 days, you can reclaim the money you have paid them as well.

satelliteone

Hi RAS, The letter i sent was like phatbears. Where in law does it state about 12+2+30 m8? is there another letter stating this?
thanks