cap quest sorry need advice

david_cougar

hi contacted by them 2 weeks ago saying we owed money[we dont],sent them standard letter and usual statute barred thing. now letter arrived today saying pay up or balliffs. phoned them and they say never recieves,our letter even that it wasreg post,they want us to pay 1 pound so they can apply for statement to prove this debt. do i/dont i as ifi dont they will still continue with bal;liffs. yes my wife did use them 18 yrs ago but not since and the first leeter was her was address to her old name. sorry about this but:mad: :mad: and as usual their telephone manner was..........appropiate to their line of work

redpoison

Have you checked the royal mail website with the tracking ref? if its been signed for all you need to do is write them another letter PHOTOCOP your proof of recorded slip and tell them that it was signed for by such a such on such a such date!

dont worry its well over 6 years you got nothing to worry about.. they just trying to frighten you..

robpw2

DO NOT EVER RING CRAPQUEST only WRITE . ONLY WRITE .ONLY WRITE
sorry that i have to say this company are the worst.

They have to prove you owe money and if its statute barred they cannot send bailiffs .
its only a moral descision if you owe the money now.

RAS

David

I am afraid that Crapquest' frequently send out letters in response to CCA and statute barred letters apparently threatening bailiffs etc. Nearly all the time this is complete codswallop and it intended purely to get you to ring them up so they have another chance to haress you. Please stop ringing them.

Did you send the letter recorded delivery? If so, get the tracking record.

And if you type up exactly what they wrote about bailiffs, I bet it refers to the fact that this might be a consequence off not contacting them. The operative word is might.

itsnever2lateisit?

david_cougar wrote: »

hi contacted by them 2 weeks ago saying we owed money[we dont],sent them standard letter and usual statute barred thing. now letter arrived today saying pay up or balliffs. phoned them and they say never recieves,our letter even that it wasreg post,they want us to pay 1 pound so they can apply for statement to prove this debt. do i/dont i as ifi dont they will still continue with bal;liffs. yes my wife did use them 18 yrs ago but not since and the first leeter was her was address to her old name. sorry about this but:mad: :mad: and as usual their telephone manner was..........appropiate to their line of work

Only a Court of Law can appoint balliffs, what they call bailiff is in fact a doorstep collector. This person may knock and ask, and thats it, the same authority as the milkman, but not as much as the postie:D
You only need to send the £1 (postal order only) if you want to see a true copy of the CCA. As you have told them it is statute barred, thats all you need to say, provided of course that you haven't either made a payment nor acknowledged this debt in the last 6 years

david_cougar

yes letter was signed for on the 26th but they had not recieved it and seen my letter refering to staute bared. thanks everone lets see what happens next, i just hope us paying a pound is not a way of saying it is our debt even that its over 1o yrs old,. and we have no idea what they are on about.

Alias_Omega

hiya, google them.

What is the debt for, im sure if its something like littlewoods etc, you can ask them for a copy of the CCA (Credit consumer act) that you signed when you joined them. Dont worry, you dont get one as goods sent out in good faith.

From there, they buy the debt, send out letters in hope that they get something back. From there they say they will send a representative round, its ok he is not a bailif but a guy who has come to talk terms etc, tell him to go away, no entry rights.

From there, you'll find 2 things..

1) They go away, but in a few months a company called XXX writes to you
2) They just send you letters, then give up.

Also, that person on the bottom does not exist, ours was a 'Miss J. Hart' i think.

They buy the debt for nothing, then try to get cash back.

Google them, and find the consumer forum. You shall find letters etc.

My 10p is that they will not accept letters, and move onto the next person, whilst selling the debt to Scotcall etc.

Sade

PLEASE HELP!

Hi,

My partner received a letter 'Notice of Legal Proceedings' on 24th Oct 2003 for debt due (£421.39), we didn't know what it was for, but paid a proportion of it £150 (as agreed with Robinson Way & Co on behalf of Singlepoint 4U) it as we had a contract phone (thought it was that)!

Thought that was the end of it. Then received another letter - 27th January 2006 from Red Castle Recoveries Ltd from the same Client (Singlepoint 4U) requesting another smaller amount (£129.30). Paid this amount online!!

Another letter sent from someone else (Mackenzie Hall Ltd) on behalf of the same client for £421.39 requesting payment otherwise legal action will be taken, contacted them and requested proof - still nothing.

Another letter sent 30th March 2008 from ScotCall Debt on behalf of the same client for £421.39 requesting payment otherwise doorstep collection which could be this Monday. Now we're worried, as we don't have the money and we don't know what it's for?? Could I do anything to stop it, maybe phone them and threaten legal action!!!

I've heard that if you accept the payment you have to pay, or is there something about 'Statute Barred' that I could use???

Please could someone help!!

Thanks for letting me ramble...

RAS

This needs a bump

kel123_2

Sade

I think a letter to trading standards, outlining what you've said above. Also send copies to The information commisioner because Singlepoint has passed on your personal information to parties that have no rights to the information (only one dca at a time) and to singlepoint for their records. I also think that you started the ball rolling by paying a second time, perhaps it's time to rattle the tree to see what falls.

itsnever2lateisit?

Sade wrote: »

PLEASE HELP!

Hi,

My partner received a letter 'Notice of Legal Proceedings' on 24th Oct 2003 for debt due (£421.39), we didn't know what it was for, but paid a proportion of it £150 (as agreed with Robinson Way & Co on behalf of Singlepoint 4U) it as we had a contract phone (thought it was that)!

Thought that was the end of it. Then received another letter - 27th January 2006 from Red Castle Recoveries Ltd from the same Client (Singlepoint 4U) requesting another smaller amount (£129.30). Paid this amount online!!

Another letter sent from someone else (Mackenzie Hall Ltd) on behalf of the same client for £421.39 requesting payment otherwise legal action will be taken, contacted them and requested proof - still nothing.

Another letter sent 30th March 2008 from ScotCall Debt on behalf of the same client for £421.39 requesting payment otherwise doorstep collection which could be this Monday. Now we're worried, as we don't have the money and we don't know what it's for?? Could I do anything to stop it, maybe phone them and threaten legal action!!!

I've heard that if you accept the payment you have to pay, or is there something about 'Statute Barred' that I could use???

Please could someone help!!

Thanks for letting me ramble...

Firstly welcome to the boards, your in good company:beer:

Now lets try and understand whats going on here. It appears that over four and a half years three different DCA's have chased you for a debt or debts, and you are not really sure what they are, but never the less if you have some money you pay them.

Now if I write to you claiming you owe me £150, will you pay me too? No, of course not! Lets try and get some logic into this

Get a copy of your credit files from Experian/Equifax etc and have a good read. Are there any CCJs or defaults recorded? If so when?

From there you will be able to write to the DCA's- all of them and request copies of the SIGNED agreements (if applicable) notice of assignments and full statements of account. This may cost you but only £1 to each DCA

It seems that Scotcall are chasing the same debt as Robinson Way 4 years ago Tut tut!

But lets walk before we run, get your credit files, and then post back here.

In the meantime please do not call Scotcall, ignore them for the moment, its unlikely a doorstop collector will call, but if they do, they can only ASK. They have no rights what so ever, and when you ask them to leave they must do so.

I would wish you luck, but it isnt about that, just knowing your rights and aserting them:cool: