"Capquest Debt Recovery Limited is registered in England and Wales with company number 03772278. Its registered office is Belvedere, 12 Booth Street, Manchester, M2 4AW. "

There are two addresses at the bottom of their letters though. You will know better than I do which address to post the official notification of my current address. 12 Booth Street Manchester M2 4AW The Omnibus building, Lesbourne Road, Reigate, Surrey RH2 7JP

Their actual letter... 21 June 2023 Capquest Dear Overdone 2 Notice of assignment Please read this notice carefully as it contains important information about your account with reference number xxxxxxxxx As of 31 May 2023, your Credit card account (previously between you and Capital One with a reference number of xxxxxxxxxxxxxxxx has been assigned from Capquest Investment to Intrum Poplar designated activity company. On this date all the rights and obligations of Capquest Investments LTD as owner of the debt. Transferred to Intrum Poplar Designated Activity Company.- and the balance on your account was £21xx.xx. Any payment made on the date of assignment have been forwarded to Intrum Poplar Designated Activity Company. At the same time, Intrum Poplar Designated Activity Company decided to appoint Cap Quest Recovery LTD as the administrator of your account. This means that going forward, all communication in relation to this account which you would normally receive from the account owner will come from Cap quest directly. At present your account is being managed by Opus LTD and they will continue to do so until we notify you of any changes to the servicing arrangements. For support with your account please contact Opus LTD. Their contact details are 2nd floor, 15 Meadowbank street, Dumbarton, 0141 428 3990 Cap quest Debt Recovery

Thank you for your information. I take your point thoroughly. I wonder why they have written to me here though. Is it to lure me into a state of false security perhaps?

My new address has obviously been recorded by Cap Quest

I had guessed that they were on their last legs and this is a desperate last-ditch attempt. I can see on my personal level that the CPR is not built for purpose as some items are missing, It is down to me to itemize this and put it in writing for their records. I have previous experience of doing inadequate S.A.R. But that was 15 years ago using C.A.G. I remember that you were on here even that far back so, I thank you for your help.

I don't have many years left to live. They should assess that too.

I understand what you are saying so let me just think. Also, my income and expenditure sheet shows I can only afford one pound a month so it looks pretty much like a lose-lose situation on their side. Surely they take this into account.

accompanying letter reads... 26th July Dear Overdone 2 We have received from the court a copy of your defence from which we note that you have requested the documents to substantiate our clients claim. Please find attached 1 credit agreement 2. Terms and conditions 3. Statements of account 4 Notice of assignment We are still awaiting a copy of the default notice and as soon as this is received we will arrange for this to be forwarded to you. From the documents provided, our client is confident that the sum claimed is properly due and owing. However, in an effort to bring this matter to a swift conclusion, we have been instructed to enter into settlement negotiations. We have therefore been instructed to put forward the following offer of settlement: £1,900.00 in full and final settlement by installments of £50.00 per month or any reasonable installment offer you wish to put forward. This above offer remains open for acceptance until 10 August 2023 Should you be unsure of your position, we would recommend that you seek independent advice from a solicitor of your choice or a citizen's advice bureau. If the above offer is acceptable to you, our client will require the agreement to be formalized by way of a Tomlin Order signed by both parties and filed at court. This will bring the court proceedings to an end and will prevent a County court judgment from being entered against you providing the agreed monthly installments are maintained. The court charges a fee of £108.00 to consider a Tomlin order and this fee will have to be met by you. Please do not hesitate to contact us should you have any queries. Overdales

Yes I have moved in the last few years but this is posted to my new address. I do not owe this to cap one. Both of my cards with cap one are in order. I suspect this refers to an account with vanqis I reneged on four or five years ago. Is is confusing as I have to establish what this debt is about.

Just got a letter from Cap Quest who say they have acquired an alleged Capital One account. I suppose I send a C C A request to Cap One.

I don't have a scanner but I think I can work this out as being an inadequate c.p.r request. I.e. Missing statements, and no valid CCA enclosed etc.

Well they sent me a very thick envelope today but none of their pages have my signature on. How can I be sure they sent me a CCA agreement that is a copy of anything I allegedly signed?

17th May 2023 Dear Overdone 2 We refer to the matter to the left of this letter and confirm that we have received a copy of your defence from the court. We have also received a copy of your financial statement. As previously stated, we have requested the requisite documents from the original creditor. New day Ltd and as soon as these are to hand we will contact you further. In the meantime please find enclosed a copy of the directions questionnaire which we have now sent to the court. The court will shortly send you your own directions questionnaire and confirm a date by which it must be returned. We have agreed to mediation in our directions questionnaire which may result in settlement without further legal actions and costs. Mediation would be conducted over the telephone by an independent mediator. If you agree to mediation, please ensure you tick the Yes box in part one of your own Directions questionnaire. If you would like to settle this matter directly, our client invited you to put forward an affordable settlement to us either as a single payment or by instalments. An agreed settlement may avoid a hearing or judgement and also additional costs being added to your debt. We recommend you obtain independent legal advice in order to fully understand your rights in relation to this claim. You can instruct a solicitor of your choice or obtain legal advice from A Citizens advice Bureau or other legal advice centre. Overdales solicitors.

you did not overtly draw my attention to this as I frequently stated I am new to CCJ defence. I do not fear paperwork coming through my door. Should I be?

I used the defence posted 4 above as the best I could think of. Dear Overdone, I acknowledge receipt of your defence. A copy is being served on the claimant. The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen. Where he wishes to proceed, the claimant must contact the court within 28 days. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will be to apply to a judge for an order lifting the stay. H M Courts and Tribunal service.

Well, I don't mind admitting I am biting my nails over this. I sent them an I and E statement showing them sod all funding left over after my bills are paid and I hope it weakens Overdales resolve to sue for anything. Defence submitted. Fingers crossed. They say the first one of anything is the most difficult.

The best my confused mind can come up with at present. On receipt of this claim form I could not recall the details of any agreement or debt and therefore reasonably sought clarity and information from the claimant. On the 00/00/00 I formally requested via CPR18 and s.77 CCA 1974: A copy of the original agreement A statement of account A copy of the Terms and Conditions as applicable at the time of the agreement A copy of the Default Notice/termination notice A copy of the Notice of Assignment showing the claimants legal right to take action Having made a claim, the above date should have been immediately and fully available from the claimant and as per the above formal requests duly sent to the defendant to allow a swift conclusion.

Well I have read that and only come to the conclusion that I am to await their responses to my CPR requirements and to check that they are in order. I can only reflect back my current understanding. My mind is not as lucid as it used to be.

I won't but what do I put in my defence?

2cnd May 2023 Dear Overdone 2 We confirm receipt of your recent letters and the Acknowledgement of service. Our client has instructed us to collect the balance outstanding on an account previously held with Newday Limited. This was opened with Aqua 0n 00/10/2015. The last payment was made to the original creditor on 00/05/2022 for £5.25 and the default was reported to the Credit reference agencies in May 2022. Your request for documents under the consumer credit act 1974 (CCA) and under the CPR 31 14 have been noticed. We have now requested copies of the agreement,, Default notice and a statement from the original creditor, these will be provided to you in due course. We can confirm that the benefit of that contract was legally assigned to our client pursuant to section 136 of the Law of property act 1925 and the required notice of assignment was sent to you. Please find enclosed a copy of the notice of assignment as requested. Should you wish to dispute the matter further you are entitled to seek independent legal advice. Please ensure you respond to the County Court claim as you deem appropriate with the timescale set out by the court. Failure to respond Claim within the court timescales may result in us applying for a county court judgement in default to be entered. This would mean further costs and could make it difficult for you to obtain credit, mortgages whilst it remains unsatisfied on your credit file for up to six years. Yours sincerely Overdales

I can find the enhanced google search box. Navigating CAG is difficult for us newbies. How do I find it?

"Like claims?" I am new to navigating this site and can't work the search bar at the top of this page to produce a similar thread, which was resolved successfully. I'm at an age where I do not absorb new information as lucidly as once I did.as you may have guessed. Would you be kind enough to insert a link to a thread you recommend? It might be an old thread of yours, where someone struggled but got there eventually. I'm seeking a sample of a list of reasons you can use in defence. Just examples mind you. They may not apply in my case.

Yes Overdales signed for it yesterday according to the Royal Mail online. I think the hard copy credit agreement on this card arrived after I had had the card 3 days. I did not return it. I'm 90 per cent sure.