halifax plat card sold to capquest

[CONFUSED49]

Hi i have had an ongoing dispute with halifax since 2009 passed to various dca,

 

 

they issued a faulty default notice in june 2009 and cancelled the agreement in september 2009,

 

 

at which point I sent a letter that they had unlawfully rescinded the agreement.

 

I have only ever received the application form as proof of my agreement and

they have sent term and conditions with name and address on,

 

 

the account has now been assigned to capquest for collection.

 

 

I have attached the application and the last letter received by Halifax simply stating theyv'e done enough to prove under the s78

and if I have further complaint to go to financial ombudsman service with my complaint.

 

 

Any feedback would be helpful as I am now feeling a bit out of my league and not sure what to do

confused49

[dx100uk]

sold or assigned?

 

 

have you had a notice of assignment?

[CONFUSED49]

Lloyds bank sold the account to cap quest

[CONFUSED49]

Hi

 

Letter from Halifax June 2013 stating the account had been assigned to Capquest Investments Ltd and then receive letter in July 2013 from Capquest stating that Halifax had sold to Capquest Investment Ltd.

[dx100uk]

if they've sold It then

theres something wrong somewhere.

 

 

so let cq wriggle

 

 

have you sent them a CCA request?

 

 

and haliprats an sar to get all the statements

 

 

is this on your credit file?

 

 

dx

[CONFUSED49]

Hi Dx

 

I have CCA'd Capquest

came back and

told me to contact Lloyds bank as they believed it was likely I received a copy of the agreement

when the account was opened and if there was issues with it I should have taken it up then and not now,

if I was still unhappy with their responses to contact the Financial Ombudsman and that was their final response on the matter.

 

 

I have attached the letters received regarding the debt being sold

and have aldo attached my reply from capquest regarding my cca request.

 

 

I did SAR Halifax back to 2010 should I do it again do you think?

 

It is on my credit file under capquest investments limted,

halifax was closed in nov2009 with the balance still showing

Confused49

[dx100uk]

utter bowlarks

send them another CCA request

[CONFUSED49]

utter bowlarks

send them another CCA request

 

Thankyou DX. I will send a new CCA request off to Capquest tomorrow, should I compile a complaint for the Financial Ombudsmen as well?

confused49

[dx100uk]

have we the letter you sent CQ please

 

 

dx

[dx100uk]

you are mixing various old & new legislation there and I think throwing in a bit of FOTL too.

 

 

the bottom line is an OC does not have to terminate nor default an account to sell it on

 

 

neither do either the buyer nor the OC 'need' the have an enforceable agreement to mark your credit file

nor to process your data

 

 

the fact the CQ are marking your file is immaterial.

 

 

as long as the original default date from the OC in the summary line of the debt

has NOT been changed they can do what they like

it cant harm you further.

 

 

IMHO until or unless someone produces an enforceable signed agreement

then I'd be stopping letter tennis

[CONFUSED49]

you are mixing various old & new legislation there and I think throwing in a bit of FOTL too.

 

 

the bottom line is an OC does not have to terminate nor default an account to sell it on

 

 

neither do either the buyer nor the OC 'need' the have an enforceable agreement to mark your credit file

nor to process your data

 

 

the fact the CQ are marking your file is immaterial.

 

 

as long as the original default date from the OC in the summary line of the debt

has NOT been changed they can do what they like

it cant harm you further.

 

IMHO until or unless someone produces an enforceable signed agreement

then I'd be stopping letter tennis

 

Thankyou Dx

Tried to do it on my own by reading the forums as I know you guys are very busy but I thinkjust confused myself, shall I forget the CCA request and just file all future letters until they can come up with a agreement:-), sorry if I sound thick

Confused49

[dx100uk]

wont hurt to CCA them.

 

 

dx

[CONFUSED49]

wont hurt to CCA them.

 

 

dx

 

Hi Dx

 

Will send CCA off today, so the long and short of it is they can carry on trying to collect but without the agreement

they cannot take me to court to enforce, so the letters are just idle threats, should I complain to the financial ombudsman or will it make the situation worse or should I leave for now as I have 6months.

 

Thankyou for your help you have reassured me, as I was get a bit confused reading too many different threads brain was fizzled:???:

Confused49

[dx100uk]

they can 'ask' for payment & mark CRAfiles.

 

 

you can also 'ask' the to go away.

 

 

I'd not bother the FOS at this stage, but yes to the CCA.

 

 

dx

[CONFUSED49]

is there a letter to ask them to go away politely of course:!:

confused49

[dx100uk]

no never invite letter tennis.

 

 

dx

[CONFUSED49]

ok will just send cca, will keep you posted, thanks again

Confused49:???: