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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Capquest old loan with CitiFinancial


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I have had an agreement with Capquest for ages and have fulfilled all my payments.

 

I do not appear to have had a statement of account for two years.

 

I have just received a text asking me to call them.

 

Should I ignore this and wait until they write to me ?

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WHY are you paying a DCA?

 

is this debt on your CRA file?

 

NEVER EVER phone a dca or TALK about your debts on the phone.

 

DCA's are NOT BAILIFFS

they have NO SUCH LEGAL POWERS.

 

tell us about the debt please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I had a loan with CitiFinancial,

 

had a few problems paying them but always spoke to them.

 

I was told that I would not be in default !

 

Out of the blue in 2009

 

I got a letter saying loan was sold to Capquest. they hassled me for full payment.

 

After seeking advice I agreed on paying £100 per month.

 

They put it to £120 after four months,

 

have been paying that since,

 

totalling £4440.

 

It is on my CRA

 

although I have tried to get it removed as I was ill advise by Citi.

I have not had an account statement since 2011. I will not be ringing them. thanks

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how old is this debt?

 

have you asked crapest for the agreement by CCA?

 

hae you CHECKED they SRE legally assigned this debt & hold ALLthe necessary paperwotK?

 

how much was the loan for?

 

how much have paid to date?

 

moved you to the citi forum

 

have a good read.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Loan Taken out November 07.

Paid back to Citi 3732.90

Paid back to Capquest £4440.00

Total £8172.90

Original loan was for £8000 plus interest and fee = £12,100.

Have got all the paperwork from them , that is first thing I did.

Last statement February 2011 !

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ok looking better than what I thought

 

any PENALTY charges or PPI?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

"looking better than you thought" - what does that mean ?

 

No PPI and I have had no missed payment penalty charges since Capquest.

 

One strange thing was that two payments in March and April 09 appear on my bank statement as payments to Capquest ?

 

I was only notified in September 09 that Citi had sold it on ?

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that's strange then

 

any how

 

what I meant was at least you've not been cash cowed

 

you need to CCA crapest.

 

that should give you a statement of account too

 

you say no penalties since crepest

 

does that mean there are some before that?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I sent a CCA from day one and got back a copy of the original agreement.

Are they in breach of anything for not sending me regular statements ?

I have not had anymore texts and as yet nothing by post, I'll sit tight.

I had some £15 standard penalties when with Citi.

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yes they should be sending better than annual statements i'm sure.

 

is this on your CRA file?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

who is shown as the owner

and what is thee default date in the summary

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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