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capquest and h l legal old cap1 debt


Billy Bremner
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Thanks.

I'll give that a try.

I'm guessing capquest won't really have that information even though cap 1 said contact them.

would it be worth asking capquest for a cca anyway? I'm guessing as cap 1 fobbed it off to capquest pretty quickly and i got the card well before 2007 they may not even have one.

 

Cheers

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Thanks.

I'll give that a try.

I'm guessing capquest won't really have that information even though cap 1 said contact them.

would it be worth asking capquest for a cca anyway? I'm guessing as cap 1 fobbed it off to capquest pretty quickly and i got the card well before 2007 they may not even have one.

 

Cheers

 

SAR to CapOne

 

CCA to CapQuest

 

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Cap One registered office

 

Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX.

 

SAR Template here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

 

 

Send by some trackable method so that you know when they receive it.

 

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I can include my card number so they know who I am but would it be best to include in the letter my old address, as although I've been here maybe 7 years I wasn't when I took out the card?

 

Thanks

 

Yes it wouldn't hurt.

 

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I just received a letter saying my case is being passed for a pre litigation review.

 

My account may then be past to their solicitors who may commence legal action on or around --/--/2014. ( my italics and underline ).

 

Also is it a coincidence that

 

I rang Cap one to find out my last payment date and

 

today I get an application form for a credit card in the post?

 

(in the same delivery as the threatogram above lol).

 

Cheers

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Just got an Equifax credit report.

 

It has a default date Sept 08

 

but all the months before are blank.

 

Does that mean I never made payment at all in 2008?

 

Possible as my mortgage at the time was 3 or 4 months late at the beginning of 08 before I sold up according to the report.

 

Also the start date of the card was 2002.

 

What's the chance of an enforceable application?

 

Cheers all

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very slim for 2002

 

try noddle they sometimes show payment history

 

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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2002 Cap 1 my guess is that there wont be a CCA available.

 

 

Could be no payments in 2008 or files just not updated, what company shows as the creditor on the file?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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It just says " bank default from capquest investment ltd" at the top. So I guess capquest added it to my file because my mobile entry has o2 at the top of their entry.

 

Doesn't have an entry in the date last delinquent box or the credit limit box.

 

Cheers

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2002 Cap 1 my guess is that there wont be a CCA available.

 

Could be no payments in 2008 or files just not updated, what company shows as the creditor on the file?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Actually the more I think about that the stranger it seems.

 

Why did capquest default my capital one credit card??

 

Doesn't it have to be the original creditor?

 

Cheers

 

 

Capquest will just have updated the original creditors entry when they bought the debt

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Oh I see. As long as the date didn't change I don't suppose it matters really.

 

Thanks Brigadier

Correct, the debt purchaser is obliged to update the credit files when acquire a debt, the default date cannot be changed.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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