Capquest chasing OH's old Amex Card Debt

[tigeress289]

My wife has received a demand for monies owed by a company called Capquest.

They state that she owes £3476.00p on the 20/10/22.

The letter also states the debt is being handled by Resolvecall and managed by them.

Resolvecall sent an early payment offer of £2085.84p on the 31/10/22.

And the Capquest sent another demand for £5596.76p on the 9/11/22.

In the meantime I sent both companies a request under the Consumer credit act which was ignored as they stated it is online fake news?

 

So I then applied for a SAR to both companies.

Resolvecall replied stating it was being referred back to Capquest as they held the original debt.

 

Capquest in return replied today asking for full details of

Full Name

1st Line of of current address

Postcode

Date of Birth

Last address provided to the credit card company.

 

The first 3 questions were already supplied as they addressed the letter to the above.

 

I am reluctant to provide any such information and refuse to sign anything.

Has anyone had dealings with these companies as another name of Arrow Global has appeared as well.

And do we have to give anymore information as we requested the SAR.

 

Thank you.   

 

[dx100uk]

all the same lot

 

whats the debt they are after please?

 

dx

 

[tigeress289]

American express.

[Homer67]

When did the debt default?

[dx100uk]

so very old amex card

 

 

if you've sent CCA request and to date they have failed

then very safe to ignore until they ever do or send a letter of claim.

 

what was the last time your OH used or paid it please?

 

dx

 

 

 

dx

 

[tigeress289]

American express.

 

We cannot remember ever having an American express card. 

That is why we have applied for the SAR as we want details.

 

We cannot remember ever having one and theres no record on my OH credit report at all.

As for dealing with these companies we have not signed anything only requested proof of the debt claimed. 

 

6 hours ago, Homer67 said:

When did the debt default?

 

We cannot ever remember having an Amex card.

That is why we applied for an SAR to provide proof.

 

[dx100uk]

an sar to amex wont give you the agreement.

and its pointless to ever sar a DCA.

 

Amex have sold the supposed debt to Arrows Group.

id be sending Capquest a CCA  request.

 

SAR's or Prove i letters are absolutely pointless

 

dx

 

[tigeress289]

What is a CCA? 

So the Arrows group controls the other 2?

How old can a debt be because we are having trouble thinking at least 20 years but cannot even remember Amex if ever.

Edited November 24, 2022 by dx100uk
unnecessary previous post quote removed

[dx100uk]

click cca request and read all the posts.

 

Arrows Group are a Group of companies bit like say a car maker, they have differing trading names.

mostly to scam people out of money by making them think a debt is going up some kind of chain.

 

A DCA is NOT A BAILIFF 

and has 

ZERO legal powers on ANY debt - no matter what it's type.

 

 

[tigeress289]

Thank you.

Will pick up a postal order tomorrow.

Edited November 24, 2022 by dx100uk
unnecessary previous post quote removed

[dx100uk]

just type 

no need to keep hitting quote

we know what we said its above your reply.

 

dx

[tigeress289]

Will do, thanks again.

 

Would anyone know if these debts Arrow Global buy are years old or even genuine debts?

[dx100uk]

yes they are most probably both.

 

go read a few threads in the debt self help forum here

 

get upto speed....

 

let's put it this way...

 

why, if they were enforceable or due, would a multi-£B international company sell a debt for <10p=£1 and not crush you in court themselves...makes you wonder.

 

HOWEVER. the real thing to ENSURE here is the DEBT OWNER, has your correct and current address, cause it could just be a phishing letter to see if you dont reply, cause if you've moved since last comms with Amex or the debt buyer, they could quite legally get a backdoor CCJ using an old address and get a default judgement, we call it a roboclaim, as no-human is involved in the process anywhere, be it SB's or not enforceable makes no odds...its automatically rubberstamp thru, by a computer, 

[tigeress289]

Sent CCA off today tracked. 

We had 3 calls on our home phone from Resolvecall today and wanted to ask if anyone knows how they got our number as 

we mainly use mobiles and very few people even have our number.

I cannot believe they are allowed to trade as this is not right.

 

[dx100uk]

credit file, social media or initial agreement you signed.

 

 

[tigeress289]

Latest update. Sent CCA off 7th December tracked Royal Mail.

Had 2 letters yesterday first from Capquest who we sent CCA to. 

They write to acknowledge our recent letter and requested documentation.

Collections ect, temporarily suspended.

Letter dated 13th December received 19th December.

 

Second letter from Arrow Global returning PO as free of charge.

Same Collections temporarily suspended and letter dated 13th December received 19th December. 

They will respond as soon as possible.

 

Which will be a first as we have never had an American Express card.

It must be a Christmas Miracle. 

 

[dx100uk]

both std letters and actions.

 

doesn't look like they are going to be able to fund their New Years Party by fleecing you...

you found CAG.

 

dx

 

[tigeress289]

[tigeress289]

What I am having trouble with now is that these companies can harass you for money and are clearly causing stress and hardship in so many cares.

 

When the truth is that they have no legal right to pursue something that is legally barred.

 

Also some debts are just made up but many people pay up for a quiet life.

 

My question is why is there legal recourse that we could take against them to stop this illegal practice.

 

Interested to know any views of this question.

 

[dx100uk]

Been debated to dead here since we've been around in 2006 

 

It's not illegal, it's unlawful and it's sadly a legit business and the biggest financial industry there is 

 

The using laws already in existence, if they were breaking any, which they are not, are the tools to use 

 

Dx

 

 

[tigeress289]

I can see what your saying but surely there must be a way to sue these companies on a personal basis.

 

[dx100uk]

2 hours ago, tigeress289 said:

When the truth is that they have no legal right to pursue something that is legally barred.

where did you ever get that from?

 

ofcourse they can ask you to pay the debt - no law says otherwise

you can equally ignore them until they provide legally enforceable paperwork....

 

i told you earlier, you really must get reading up

 

dx

 

[tigeress289]

I know as I have a lot of catching up and need to post a CCJ we got on a BP forecourt as well as a TFL fine on loading bay Holloway Road.

 

Will post soon.

[dx100uk]

Start a thread for the speculative invoice ccj and another for the TfL PCN 

 

Dx

[tigeress289]

Sorry just a quick question on best way to send pdf files  thanks