Capquest transfer of debt after agreed payment plan with discount

KatieJane58

Hi, I'm not sure if this is the correct place for my query, but here goes...
I wonder if anyone has any advice about the problem below please? 
I had a notification on my phone (now cleared from my phone) informing me of a letter in my Capquest account about a transfer of my debt to Drydensfairfax. They also said I could accept a reduction of 60% if I entered into a payment plan. This I arranged with them on the date I received that notification. I have an email confirming the arrangement on the 14th April with payment amounts and dates. They took the first payment 14 days later. Now Drydensfairfax are saying that I responded too late to the original letter which was supposedly sent on the 6th April. I responded to the letter from Capquest the minute I got that notification so that is not true. I received a letter from Dydensfairfax dated 4th May informing me that the debt was now in their hands. I cannot now access my Capquest account to check the timeline.
Drydensfairfax are now demanding the full amount due (no discount).
Is this legal seeing as Capquest agreed and have taken the first payment under that agreement?
I'm not sure where to go from here.
Any advice would be appreciated.

born_again

Needs to be in debt section.
Requested a move.

fatbelly

Ultimately what's legal or not would be in the hands of a District Judge who would have to decide on the 'balance of probabilities'

You have the communications. Complete the payments as agreed (when do they finish?) and then wave goodbye to Drydens.

It's not clear from your original post that you are continuing to make the payments, but to the new owner. Did you make the second payment at the end of last month?

sourcrates

These settlement deals are usually all computer generated, and if not responded too within some ridiculously short time frame, your debt gets assigned elsewhere, or the deal is removed etc.

The system is mostly automated, with little intervention by the human hand.

So the same applies to the demands for payment now being received, again, all computer generated.

Dryden's Fairfax are a part of the Arrow Global group of companies, as are Capquest, so the debt is owned by Arrow Global, and they are just passing you from pillar to post within their own organisation.

Given that they are all trading names of the same company, you could write a letter of complaint, send it to whoever is writing to you now, explain what has happened, tell them the outcome you seek, and let the complaints process go to work.

You can always escalate the matter to the FOS should you not be happy with the outcome, but usually once a human becomes involved, the matter should be sorted to your satisfaction.

Are you still making any payments or not ?

KatieJane58

fatbelly said:

Ultimately what's legal or not would be in the hands of a District Judge who would have to decide on the 'balance of probabilities'

You have the communications. Complete the payments as agreed (when do they finish?) and then wave goodbye to Drydens.

It's not clear from your original post that you are continuing to make the payments, but to the new owner. Did you make the second payment at the end of last month?

They did not take the last payment due by direct debit on 28th May, so should I just pay it?

KatieJane58

sourcrates said:

These settlement deals are usually all computer generated, and if not responded too within some ridiculously short time frame, your debt gets assigned elsewhere, or the deal is removed etc.

The system is mostly automated, with little intervention by the human hand.

So the same applies to the demands for payment now being received, again, all computer generated.

Dryden's Fairfax are a part of the Arrow Global group of companies, as are Capquest, so the debt is owned by Arrow Global, and they are just passing you from pillar to post within their own organisation.

Given that they are all trading names of the same company, you could write a letter of complaint, send it to whoever is writing to you now, explain what has happened, tell them the outcome you seek, and let the complaints process go to work.

You can always escalate the matter to the FOS should you not be happy with the outcome, but usually once a human becomes involved, the matter should be sorted to your satisfaction.

Are you still making any payments or not ?

sourcrates said:

These settlement deals are usually all computer generated, and if not responded too within some ridiculously short time frame, your debt gets assigned elsewhere, or the deal is removed etc.

The system is mostly automated, with little intervention by the human hand.

So the same applies to the demands for payment now being received, again, all computer generated.

Dryden's Fairfax are a part of the Arrow Global group of companies, as are Capquest, so the debt is owned by Arrow Global, and they are just passing you from pillar to post within their own organisation.

Given that they are all trading names of the same company, you could write a letter of complaint, send it to whoever is writing to you now, explain what has happened, tell them the outcome you seek, and let the complaints process go to work.

You can always escalate the matter to the FOS should you not be happy with the outcome, but usually once a human becomes involved, the matter should be sorted to your satisfaction.

Are you still making any payments or not ?

They did not take the last payment due by direct debit on 28th May, so should I just pay it?

fatbelly

If your position is that you had an agreement then you should stick to it.

It's your responsibility to pay, not theirs to take.

Standing orders are always better than direct debits when dealing with firms like these.

KatieJane58

Thank you. So in your opinion should I pay Capquest or Drydens?

fatbelly

I don't think it really matters, as they are part of the same group.

Did the Capquest letter say to make future payments to Drydens?

KatieJane58

Hi, Yes it did, so I should pay them? I can't get any bank details for Capquest anyway.
I am also sending details to Resolver. Is that a good idea?

KatieJane58

The original email was from Capquest and the first payment was taken by Capquest Investment Group. The letters I have had since say I should agree a new payment plan for the full amount with Drydens.