Capquest - and CAT debt

[Fionaj6131]

Hi guys.

Catalogue debt (applied online in 2005) of £4000 when defaulted due to personal circumstances in 2013.

 

 

Been with Capquest since.

Was paying after agreement but, after receiving a 'you have not paid we will take you to court' letter 6 months into (the fully honoured by myself) agreement I stopped paying and challenged them.

 

 

Since then heard nothing until recently.

Sent CCA but received a reconstituted agreement (typical no sig/dodgy T&C's).

Now debt is showing at more than 5000 than original default sum on credit file!

 

Question: what is my next step?

SAR and/or claim charges interest obviously added to the default sum? I

f so, how do I go about this and whom do I contact?

 

 

My hunch is that if Cr$pquest had viable documentation that they would have gone to court before leaving an extended gap between the agreement failing (on their part) and contacting me again after a period of 16 months.

 

Any help gratefully accepted.

[renegadeimp]

Simple. Cca them. They'll need the original and they won't be able to get it. Plus it will be full.of charges

[Fionaj6131]

Thank you for replying renegadeimp.

 

 

Have CCa'd the lovelies but received a bog standard reconstituted agreement - no signature/etc..

Is it a next step to sending original catalogue a SAR request?

 

 

How do i proceed in finding out if these DCA's actually have any documentation to support their 'legal' lies? Thank you.

[dx100uk]

I notice from your old threads

you had a very catalogue that capquest owned

is this the same debt

or another one?

 

 

and if you did sent the SAR very, you should have all the statements already?

going by the advice before?