Capquest lost the plot? old Cap1 card debt

[blueboy1]

Hi Caggers,

Last year with the help of this site I took control of my debts.

 

Capquest was dealing with one and I sent a CCA request and all they sent was an application form without the correct t's & c's.

 

I sent the letter in dispute and heard nothing for a while.

 

Last December they got Advantis Credit to chase it and I soon sent them away because it is still in dispute.

 

Today I received a letter from Capquest saying that they are requesting my information from Capital Bank?????? ( I had this last year???)

I need a dispute letter but with more teeth this time.

Anyone out there who could draft a good letter for me I would be very grateful.

(Its not SB as I did pay some token payments but not on my credit file)

(They know they don't have a proper CCA as it goes back to 2000.

 

Many thanks

Blueboy

[BRIGADIER2JCS]

I'll read through you thread and see what I can pull together for you!

 

Just because the account is 2000 does not neccessarily been it's not viable.

Please refresh the following details:

 

Date of last payment, and or written acknowledgment.

Any significant mail.

[blueboy1]

Thanks Brig,

You always help out!

 

Capquest acquired the Debt in 2008, after going through other DCA's.

I paid on and off token £1 payments on the credit card debt £735ish.

I CCA'd them last August and all they sent was an application form from 2000, without t&c.

Sent in dispute letter end of August and all went quiet until Letter from Advantis Credit on behalf of Capquest chasing same debt.

I sent in dispute letter and they sent account back to Capquest.

Until todays letter.

rough contents are:

 

We are writing with ref to your request for further information in relation to your above acct.

We can confirm we have requested this information directly from Capital One Bank and are still awaiting a response.

 

They then say put acct on hold etc,

Standard letter after CCA request.

 

Not sure what they are trying to do.

Cheers

 

Blueboy

[babydoll0141917]

I am in the same position as you ..just T & C were sent over a year ago ..they completely ignored my Correspondance and asked for proof of my dispute ..told them my proof of dispute was in the letter I sent ..they issued me with a SD ..I ignored it becoz they had nothing..received a letter out the blue on monday saying they were requesting docs of Marbles ,,could take 28 days Blah Blah ..

 

Idiots come to mind

[blueboy1]

Totally agree babydoll,

If they had a watertight agreement, then they would be trying a lot harder!

[babydoll0141917]

They would indeed..the T & C they sent me was from an account I didnt know ..Not the same account number that I had ..Marbles sold accounts to Halifax ..all got new cards and CCA to sign ..I never received a new card has account was terminated..Unless they can come up with the Original CCA that was applied for on line ..they can foxtrot and Oscar.. ..also they know they have nothing as court action would of started years ago ;0

[blueboy1]

bump

[BRIGADIER2JCS]

Just wait now and see what the CCA request produces.

[blueboy1]

Thanks Brig