dont worry about capquest, there just blaggers i got a letter 2 years ago saying id be made bankrupt or go to prison if i didnt pay, so i replied to them asking for a cca and pointed out that they had breached the admistraion of justices act, now my debt is dead

capquest are the hard ones to get rid of, they kept on ignoring a cca request,as soon as i threatend legal action they stopped, also my alleged 3 other debts have bben bought by thames credit, so they will not be a problem any more, all i need to do is get my credit history cleaned

Sent 2 letters out 3 weeks ago to capquest and thames credit, stating that the debts they were chasing were statuet barred ,got a reply off capquest saying account on hold, and today off thames saying yes your account is statuet barred and is closed sorry to bother you, 2 down 3 2 go

where can ifind a template for statuet barred, i sent cap quest in 2006 a cca request herd nothing for 2 years until today,so theve broken the law and i need to finish them off its now 8 years since the debt began

THEY WOULDNT TELL ME WHO THEY WERE, BUT I THINK ITS A DIFFERENT COMPANY

this company rang both my neighbours harrising them, so any way i was in a bad mood this morning so when they rang my 85 year old next door niegbour enough is enough, so i rang them first of all i didnt aknowledge any debt with them i kept on saying what are you on about, then they said an abbey nation debt from 2002 end of november just nearly 5 years ago. i explained if there was such a debt it is unproven he said what. well i sent of a cca request 2 years ago andive never heard back so if you cant prove a debt in that time when you have 14 days from recieving the request then there is no debt, and for ringing my neighbours that is breach of admintration act (harrasment)so i said well take me to court its up to you and ill bring my neighbours as witnesses to your harrasment proof. then he said so your gonna be awkward i said yep.. lets see what happens

had a little scrape the other day in my mates van with a 306, only minor damage to the car. i.e scratched rear lense ,paint scraped about the size of a fist. i offered to pay for the damage(thinking it would only be £100) hes come back today with a quote of £550 is he taking the mick. cos my bmw 5 series didnt cost that much last year for 4 tyres and a service.p.s its now 3 days since the scrape and hes not reported it to the police where do i stand as i wasnt insured for the van i was just dropping it off at a garage... cheers:confused: :confused:

i didn’t acknowledged the debt.... in my cca

IT IS NOW 2 MONTHS SINCE I SENT OF A CCA REQUEST TO CAPQUEST ,STILL NOT HEARD A THING... WHAT NEXT AS THE DEBT IS NOW OFFICAILY 6 YEARS OLD.... DEAR SIR /MADAM RE:..REFERENCE NUMBER I do not acknowledge ANY debt to your company. I require you to the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. I understand a copy of our credit agreement should be supplied within 12 working days I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested I look forward to hearing from you. Yours faithfully

recently i left my job, did it the right way handed in company car, wrote letter of resignation, 2 weeks have passed now and im in my new job ,but i havent recieved my p45 or wages owed, my ex employer is saying because i didnt do a weeks notice im not entitled to wages due . i.e. holiday pay 8 days and 1 week, any advice

still not heard anything from them ,what next as the debt is 6 years old next week

sent cca on the 15th nov to caquest ,not heard from them what next

got a letter today from wescot/csl..regarding my outstanding debt with them...:? stating .thankyou for your reply to our letters and would i kindly send details of my (so called bankcruptcy order) bankcruptcy/admin order. please forward thankyou.. i have never ever replied to these scoundrals or been made bankcrupt. have they got me mixed up with some one else. or are they taking the mick..

JUST RECIEVED ALETTER TO TODAY REGARDING DEBT,IT SAYS. We write in reply to your recent communication.? will you kindly proved us with a copy of your bankcruptcy order.. i have never ever replied to them or gone bankrupt,what are they doing.or are they trying to catch me out....please help :? :?

thanks for the reply, i know about cca as ive alreay sent want to another dca, for a credit card debt...but need to find out if this is a different type of debt as no credit aggrement was ever signed, as it was an overdraft authorised over the phone,which i couldnt pay back after losing my job and wife leaving me, went off the rails to be presice..and just forgot to pay it..:idea: please help