hope your get well soon - as it happens i'm off work ill too! thanks beccy

the indian people in customer services have a habit of forwarding you to the claims department when they're closed or like you say just hanging up... Rebecca you seem really genuine, i hope you don't mind but i've sent you a mail also - i hope you don't mind looking into it for me. Thanks.

Hi all, Hope everything is going well for you all. Just to give you a little update. I sent another CCA which also stated that i was requesting the handover of the debt agreement from A&L to capquest. 28 days has now passed and all they have sent is a letter telling me the account is on hold, and another letter with a letter from A&L confirmin that the debt was sold to Capquest on X date. They have failed however to produce a copy of the original credit agreement. What under these circumstances should i do now. I'm thinking of writing a letter stating that as they have failed to comply with my request, and that of their obligation to the consumer credit act etc etc, i can assume that any further payments to this account will not be requested and that i was all monies already paid to that account to be refunded in full within 14 days. Failure to produce the refund will result in a LBA failure to comply with that will result in court action being taken?? What do you think? am i missing something or would that suffice? Any advice appreciated.

I bet your all thinking i've had my money and run. Well. I haven't. Had my money or done a runner! Anyhow - hope your all well and sorry for the lack of contact. There hasn't been much to report and i've had a few things to sort out recently which has taken much of my time! I wrote the letter asking to settle at £3200 as lattie advised. They wrote back saying that i still hadn't explained my reasoning on interest and so they would not budge on the offer. However the offer that they had previoulsy send me was still valid. I'm thinking now of leaving it until i have a court date come through. That would be my traditional chilled out approach. or... I could start with the roll my sleaves up and bother the hell out of them. What is best do you think?

I sent them a CCA but i didn't have the account number so they assumed that it was for an already closed issue. I will send them another with the relevant account number. Thanks.

I also said that i would be happy to pay the debt on receipt of the Credit Agreement. He said he was not prepared to go through the expense of obtaining that unless i paid. He said as soon as i pay - i will get the original contract. I kept on telling him that that's the wrong way around. I will only pay something that's proved to be mine. Not pay something to find out if its mine. GRRRRRRRRRRR.

Sorry i haven't been in touch. I have done what was said above. They have written a letter back regarding another account (saying that it has been trasfered back to the original debtor). This is good, i knew about this (seperate issue - don't worry about it). I've just had an extremely harrassing phone call. Bullying me about me cancelling the £100 payments. Threatened to contact my employer to retireve the debt! Pushing and pushing for me to make a payment and kept saying that they were making notes on my account that i was refusing to pay the debt. I then spoke to the supervisor as i was dissatisfied with the tone, i recieved the same tone and ignorance. Then he said that they were going to wipe the floor with me and that i was going to (and already had) incurred extra charges! He was saying about the 6 year limitation act but was saying that as i have made payments that that no longer applies! I need to write a letter quick smart as i'm expecting one from their solicitors. I'm so fired up now i can't even think about writing a letter! Any advice/wording? PLEASE>

Lattie, I have decided after much consideration to follow your advice. A letter today has gone off to see if they'll agree on £3200. I'm just concerned now that they are going to close my account afterwards. Has this happened to anyone? There must be something that we can say if they try... ?

Where would i find this letter? Is there a template library? Thanks once again for all your help. I'm quite worried that they are taking me for a ride and want to get it sorted asap. Thanks.

WAW! Thank you both! So i'll send the letter suggested above? Any other suggested action? Would you suggest i stop making any further payments to capquest until this is sorted?

So would that mean that the £400 i've paid them, potentially is reclaimable? and i can stop paying any further monies? Unless they get a court order?

Star!

Reputation added! I started to pay them before i became aware of this site hence lack of knowlege. Now i'm gutted and thinking along the same lines as you ie, good faith payment etc claim back etc. I will post the letter (thanks for that!). Does someone have an address for capquest to hand? I'm in work now and don't have any correspondence!

Hi All, I have a problem. £1000 debt from A&L for a personal loan about 9 years ago. No contact in last 6 years but capquest contact me and i duly agreed to pay them £100 p/m. i have made 4 payments. I am wondering if i can stop my payments and write a CCA to capquest? In the thought that if they cannot produce one i will not be obliged to continue paying... Afterall it the debt no longer appears on my credit report as it is over 5 years old - i've checked. Could someone please provide a template CCA letter and address for capquest? i'm not being lazy, i've looked but cannot for the life of me find one. Any help appreciated.

Hi All, Rec'd a letter from D&G this weekend. Basically saying, "we asked you to explain about the 8% in our last letter... from looking at your letter of the 13th march, you haven't explained. However we not your updated schedule of charges [the amount i'm claiming now is £3260.] Although we believe our client is correct blah bla.... we have been instructed by our client to make an ex gratia payment of £3126.25!" as long as you keep it confidential and promise not to claim again. So i guess another letter is in order? or would you accept it? What do people think? do you think that the more you push them the more likely they are to close your account?