Hi, thanks andy,
i am new here and dont know about all this claim thing.
@theoldrouge , below is the information answer
Name of the Claimant ? CAPQUEST INVESTMENT LIMITED
Date of issue: 14TH october 2016
What is the claim for , POC
Particulars of Claim
1.The claim is for the sum of £xxx in respect of monies owing by the defendant on a credit agreement held by the defendant with XXX under the account number 123456789 upon which the defendant failed to make payment.
2. A default notice was served upon the defendant and has not been complied with
3.By virture of a sale agreement between XXX and the claiment, the claim vested in the claimant who has a genuie commercial interest. The defendant has been notified of the assignment by letter. Contact drysdenfairfax solicitor on 01138233430
What is the value of the claim? Credit card
When did you enter into the original agreement before or after 2007? around July 2007
Has the claim been issued by the original creditor
or was the account assigned and it is the Debt purchaser who has issued the claim. Capquest
Were you aware the account had been assigned – did you receive a Notice of Assignment? no
Did you receive a Default Notice from the original creditor? not on paper as i cant remember, but yes on experian credit report
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no
Why did you cease payments? went to university, i wasnt working, i was a student when i could not pay monthly payment again.
What was the date of your last payment? cant remember but around 2011, i kept paying a small amount into the credit card from my food money after i had been given default from 2010 but i later notice getting letters from dept collectors on the same account so i stop the payment.
Was there a dispute with the original creditor that remains unresolved? No
Did you communicate any financial problems to the original creditor
and make any attempt to enter into a debt management plan? i communicated to them then but cant remember since 2010