Cheers Brig

Letter typed and ready to go.

Letter typed and ready to go.

Letter from ccscollect

"Further to your recent communication with this office, we can confirm:

Above balance is for Club Account financed by Barclays Partner Finance 0211, last payment made **/Jan/09

Does not answer my request for proof the debt exists.

Write back again stating Capquest have not provided proof so s*d off, or ignore.

. Last letter from CApquest offered 30% discount!!

Son-in-law still as no recollection of debt

Advice welcomed

Intend

Hi Intend, did you have a ''club'' account?

No idea what a "club account" would be.

Gym, Wine, Strip,Golf,Dining,Bridge,Football, Camera???????????????

Cheers Brig - will check with son-in-law - but not up his street.

Intend

No idea what a "club account" would be.

Some sort of store card, perhaps?

Letter from ccscollect

"Further to your recent communication with this office, we can confirm:

 

Above balance is for Club Account financed by Barclays Partner Finance 0211, last payment made **/Jan/09

 

Does not answer my request for proof the debt exists.

Write back again stating Capquest have not provided proof so s*d off, or ignore.

. Last letter from CApquest offered 30% discount!!

 

Son-in-law still as no recollection of debt

 

Advice welcomed

 

Intend

discount letter 99% of the time mean the debt can safely be ignored

prob PENALTY charges or PPI

dx

Will send back letter - copy of first to them that client has not proved any debt exists and now reporting them for harassment - anything/anyone I can refer to re harassment??

or simply ignore!!

Intend

CRA file!!!

dx

Cheers dx. Will need to check - he has no cards so will need to send £2 to one of the CRAs. Is that correct - any suggestions which is best?/

Intend

citizenB has just replied to a thread you have subscribed to entitled - Help! - Natwest have instructed capquest - large debt - in the Debt Collection Industry forum of The Consumer Forums.

This thread is located at:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=330724&goto=newpost

Here is the message that has just been posted:

***************

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

Send with a £2 postal order.

You can use Experians online free trial. just make sure you cancel before the trial runs out

Address

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

*My full name*:

*My Maiden Name: *

*My Date of Birth*:

*My current Address*:

I have lived at the above address for XX years.

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

*This letter must not be regarded as granting your Company any Data Consent*.

Yours faithfully,

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

there is also

www.checkmyfile.com

....ends

Cheers - letters typed and ready to go.

Just been handed CRA files from eXPERIAN and Equifax and they are as clear as mud - will attempt to make sense and post up - may need to scan up for help in understanding.

Letter also rec'd from ccscollect stating account on hold - details of enquiry referred to client Capquest and they await further instruction - collection activity is suspended.

Experian states Capquest (formerly FTC) Account type Bank (my ???) started 03/04 current balance £309 Default date 30/11/09 default balance £445, account updated 18/11/12.

Account status code and balance for last 12 months has been 8 (in default) and starts at £296 and end at £309 (same as on last letter from ccs) couple of months show zero balance with a ?

for 13-24 it only shows one figure £445 with code 8.

Equifax shows Bank default, same start date, same defaullt date and amount but under effective date states End 30/11/2009 (no idea what this means). Has Terms as 0 @£0 monthly, balances as Limit £0 and start £0.

Son-in-law has no recollection of this account, had a tough time then trying to keep roof over head whilst his dad was nursing terminally ill wife, so have not pressed him on this.

No payments made to my knowledge - he has had no independent banking for 3 years. Was a debt from Barclays Partner Finance but sold to capquest.

At a loss to see what the info gives me - hoping it was statue barred but cannot tell

Advice as ever very welcome - will look at the other issues he has and post on relevant thread.

Intend

Under credit account info - only has Month 1 balance +294.

Has the bank sort code associated with the account been supplied? If so, does it correspond with a branch he could have used?

No change in situation - latest begging letter received,

still no proof,

letter states as legal owners they are using CRAs to assess current financial situation

- well I can tell them it is bad and getting worse by the day.

In addition state

"at this time we know of no defence to any such action and if you are unable to show a valid defence to the court a judgment could be awarded against you"

take it just a computer generated letter. Still no proof and had the discount offer so intens to ignore.

Have threatened to charge them for letter tennis so if i can be asked might send a speculative invoice.

Getting tired of it so will probably ignore.

ignore them

std willy waving

dx

New letter rec'd from Capquest, dated 16th August

- "despite several attempts to contact you, you have not made us aware of any circumstances to explain why your account has not been resolved"

- how about no response to prove it letter,

original debt with Barclay Partner Finance and assigned to Capquest.

Seen off CCS with one letter.

New letter states

"account will be transferred to Debt Partners on 14th August so already with them.

Not come accross these.

Would be useful to know their modus operandi and place in the food chain.

Advice welcome

- tempted just to ignore as discount been offered and no proof,

then if and when Debt Partners surface advise them no proof exists.

Cheers Intend

urm cant find anything on debt partners?

29b Berkley Square,

Clifton

Bristol?

Just rec'd first letter from Debt Managers (Services) Ltd, acting for Capquest. They are threatening a doorstep agent visit, which I am keen not to allow to protect my daughter and her young children.

Will send off "still no proof" letter as sent to others trying to collect this. Wondering how best to stop any visits - if it was me would not be phased but need to try and prevent quickly.

All help gratefully received.

Intend