'Debt Collection Centre' and 'Advantis Credit' + Capquest! -HELP

[sonny189]

Hi I received a letter on the 3rd of February stating that I owe £187.52

I don't event know of this debt and they haven't even told me what the debt is exactly for

They're threatening me with a 'county court judgement' and 'further legal action' ..

 

can anyone help me out???

 

Thanks

sonny.pdf

Edited February 5, 2012 by sonny189

[dx100uk]

check your cra file too

 

dx

[silverfox1961]

Hi and welcome to CAG

 

If you don't owe anyone anything then this is likely to be a 'phishing' exercise where a DCA chases everyone with the same name as the debtor they want. This is wrong and should be reported to the OFT post haste.

 

If the debt definitely isn't yours you have two options:

1) Ignore them

2 send the 'Prove It' letter from the library

 

You will notice that the letter is filled with 'mays' 'might' but very little in the way of 'will' Read it again.

[BRIGADIER2JCS]

As silverfoax advises, as there in no mention

of the original creditor ignore for now and as

DX 100 says check your credit files.

[sonny189]

I am not aware of any debts

but how do i check my credit files?

[BRIGADIER2JCS]

On line, use Credit Expert(Experian) and Equifax (personal solutions)

they both have free 30 day free trials available just REMEMBER TO CANCEL

before the end of the trial periods.

[silverfox1961]

As my colleague above states, you can use online credit checks. If you are reluctant to do this, you can get paper versions via post. these cost £2 each.

A new service has started called Noddle. It is free but you will get loads of adverts in your inbox

[dpick]

Hi reading the letter there client Capquest Debt recovery Ltd is another DCA so if you have not heard from Crapquest then as above they are just 'phishing' for anyone from say an area of 50 mile with a similar name so as above ignore them.

 

dpick

[JamSandwich74]

According to the other threads on them on here, nobody seems to have got into trouble for ignoring them, despite their threats that they'll "start litigation", "send bailiffs" and all that BS.

 

One or two people have gone and paid them, even though they weren't sure that they owed money. Stupid thing to do IMO, but they do appear to have managed to haggle the debt down.

 

I'd just keep ignoring it, if they haven't got your name. And even if they have, although they'll try and deny this, THEY have to prove that you owe the debt, not you.

 

Remember, don't give them your name or any details about yourself.

[sonny189]

My name was on the document but i removed it before uploading.

 

So should I just sit back and wait.. Im just worried if bailiffs come round after these few days when Im not in... :S

[dx100uk]

read the letter properly

 

they have to take you to court FIRST

 

they have to get a CCJ against you FIRST

 

you have to fail to pay the requirements of the CCCJ FIRST.

 

then they have to go back to court again to engage the HCEO FIRST.

 

DCA's are NOT bailiffs

even if they had a CCJ =- they the DCA are not the ones that enforce it.

 

NO DCA has any LEGAL powers

all they do id send threat-o-grams

 

time to do some reading up me thinks

 

dx

[sonny189]

So today I got a call from 'CAPQUEST' from the number '01252576422' They were asking for 'james roberts' ( the person on the letter, which didnt reply after 7 days or however many stated on the letter posted above. which you can download )

I said he isn't in and has gone abroad. I asked who it was an they said its CAPQUEST we need to talk about a personal matter with 'james roberts'.

Once i told them he is abroad and I have no contact with him they said ok... and that was it.

 

What should I do if they ring again?

 

What should I say to make them stop ringing? IF they carry on

[ims21]

Thread moved to correct forum

[dx100uk]

stay off the phone

never ever dicuss debts on the phone with anyone!

 

no dca has any legal powers to do nowt

 

get your cra file sorted

 

dx

[sonny189]

Now I have received another letter for 'Red Debt Collection services 'Red_debt_collection_0001.pdf

I need urgent help. What should I do next?

Thanks

 

[silverfox1961]

Hi

RED! Don't make me laugh. They are Lowells who must have taken this debt over from Capquest.

 

have you reported them to trading standards?

have you reported them to the OFT?

Have you complained to Capquest?

 

With Red, you need to make them aware that they will be help equally liable for any harassment claim you make if they carry on with this intimidation of the wrong person.

[sonny189]

Hi I have received this letter today and will post a pdf file too

 

Red_debt_collection_0001.pdf

 

I need urgent help and advice on what to do??

 

Or should I just ignore them?

 

The thing is my partner is abroad for 3 months and if the bailiffs do come what will they take?

He doesnt own anything here....

 

Only things that I can think of bailiffs taking is my tv, computer, ps3 ect which are all my childrens and not mr [EDIT]

What should I do?

 

Thanks

Edited February 16, 2012 by ims21
Removing name

[sonny189]

They are Addressing the letters to me, and phone calls to me aswell.

 

One other point is I have received 2 phone calls from capquest and told them 'mr james' has gone abroad and I have no contact with him

He asked me if I could confirm the address, and at that point I told him I wasnt obliged to answer. He said ok and that was it

[sonny189]

How do I sort it?

[sonny189]

They say if I dont get in contact within 10 days they 'instruct hampton legals' ........

[sonny189]

They say if I dont get in contact within 10 days they 'instruct hampton legals' ........

[Crocdoc]

First of all calm down, this is as standard computerised letter from Red which in my opinion contains loads of verbal diarrhoea. Therefore there is absolutely no need whatsoever to be concerned about your childrens toys or indeed Bailiffs.

 

What type of debt is this, once this is eatablished we can offer further help.

REMEMBER RULE NUMBER ONE, NEVER UNDER ANY CIRCUMSTANCES TALK TO DEBT COLLECTORS OVER THE PHONE.

[sonny189]

Thanks, I haven't spoken to them except when they rung asking for mr [EDIT] which at that point i said he is abroad. they asked if i have contact and i said no. they asked me to confirm the address and i said im not obliged to answer

 

I dont really know what sort of letter it is but there is a pdf posted above

 

it says unpaid 'balance with lowell' and company name 'Capital One'

Edited February 16, 2012 by ims21
Removing name

[BRIGADIER2JCS]

They say if I dont get in contact within 10 days they 'instruct hampton legals' ........

 

Yet another desk in the janitors cupboard at Lowell

[dx100uk]

if might may should could instructed

 

all spoof words never

 

WILL

 

designed to make your scared and contact them

 

DO NOT

 

dx