Niddy v CapQuest

[diddlydee]

Re: Niddy v CapQuest

Cooey from me too! Thank you in advance for paying for our mods Christmas party, Capquest, we appreciate it!

[Never-In-Doubt]

Re: Niddy v CapQuest

Some updates here,

CapQuest reported me to the FOS (yea, you read that right - they have reported a consumer to the Financial Ombudsman) - they have also made some very serious threats regards to court and ignored most of my last letter cos they say it was abusive and their staff do not need to suffer such abuse; my reply did ask the question if they felt it acceptable to make US suffer such abuse, and if so to shut up and if not to stop doing it to us - pretty much called them cry babies....

Anyway, I'll update properly shortly..... could be interesting when I fire off a formal FOS complaint and consider legal action for the harassment element, especially as they are not only chasing the wrong person but both debts are now statute barred so really they've made several extremely idiotic errors.

Oh, they are also reading this thread so cooey CrapQuest - I cannot wait to sit over your shoulder whilst you write me a goddam cheque

[philnicandamy]

Re: Niddy v CapQuest

oh dear

[Pixie]

Re: Niddy v CapQuest

Idiots! (but then we knew that)

[confused76]

Re: Niddy v CapQuest

love it! they took their eye off the ball there...

[Susie]

Re: Niddy v CapQuest

I bet they are going to be feeling a tad miffed when they get the next :niddy letter?

[Never-In-Doubt]

Re: Niddy v CapQuest

Just thought i'd update this with something rather interesting!

I managed to find an old link from a report a few years ago - prior to be it being removed (in an old credit file) and guess what - all this fighting with CrapQuest is irrelevant now as both the debts they are so "vigorously" pursuing are Statute Barred!

I mean, what a balls up - they've wasted over 4 months fighting with me via letter and all the time they've been letting the SB clock tick away! If you look at the default dates, you'll see that the last payment was already 6+ years ago and even if a payment was made a day before the Default date, TOUGH! It'd be impossible to get the debtor (not me) in court now prior to the actual 6yr default drop off date - so really, CrapQuest have just wasted their last ever chance at recouping this from whoever owes it - all I know is it aint me but hey, this has made my day!

[MrsD]

Re: Niddy v CapQuest

I'm so looking forward to him chewing them..............................

[pompeyfaith]

Re: Niddy v CapQuest

Hey Garlok,

Anyone who can take a slice out of these DCA's profits is a winner, and as for CrapQuest they have bitten more than they can chew with niddy.

[garlok]

Re: Niddy v CapQuest

The problems lies here in taking a hypothetical view of it, how would one of our newer members react or feel about all this if they did not have Niddy's knowledge or they did not know how to broach the subject with us all collectively?

They could possibly capitulate under the pressure or worse. a these B*****DS only understand money and nothing else then they should be hit where it hurts most----- in their greedy grubby pockets.

regards
Garlok

[Susie]

Re: Niddy v CapQuest

I think that is your best letter yet, I think its hilarious but why oh why did the idiots at crapquest not engage a brain cell before taking you on with all the stupidity that they could muster.

I imagine someone will have to take a day or so to try and understand the implications of that, and a week to think of a reply

[Never-In-Doubt]

Re: Niddy v CapQuest



Thanks guys..... guess all that's left is to say "watch this space"

[Handyman]

Re: Niddy v CapQuest

Whay Hay Niddy. Your response takes a while to read, but Oh what a Letter. Even Churchill (not the insurance company) could not have done better.

I'm with Pompey, if this goes all the way I will be in the public gallery with him. I will probably get held in contempt for laughing too much, you couldn't even dream up a Comedy Script like this.

Who the Feek do they think they are? Even me with the peripheral knowledge I have gained through reading threads such as this now understand how the law operates on matters such as this.

Where did Crapquest's legal team get their qualifications, 100 rands at the university of Durban

Regards and Respect Mate, Handy

[Never-In-Doubt]

Re: Niddy v CapQuest

Ill bank the first public seat if this goes to court !!!!!!!!!!! now that would be something worth witnessing

Mate, it would be over before it began as I will happily show a Judge my previous address info, which confirms I was like 320 miles away for over 7 years when this started so unless I can magically be in London spending on one card and then spend on another in Yorkshire at the exact same time, then it aint me!

If this was anyone on here then i'd really feel for them cos this is such an awful place to be, as I say in my letter, the Judge Nicholson himself took note of the fact the claimant in that case was a trainee solicitor and a businessman yet he still felt for him and awarded £1500 in harassment monies - thing is I am not a trainee solicitor and only understand consumer credit related acts, not acts of law - thus I would also have a fookin humungous legal bill as I'd obviously let the legal team charge the top end of the scale and also waste a lot of hours doing unecessary work just to boost the overall sum claimed, all above board of course. ie no mates rates kinda thing!

So from my initial £131 claim, they're now looking at a minimum of say £500, with the risk of this multiplying into several thousands as I would also cost them £500 in FOS mediation fees plus I would seek a fine from OFT regards their abuse of processes plus my personal claim and my costs and solicitors costs.

It's their call - I'll happily walk away with a full apology and £500. Anything less, see you in court where I go for the kill.

[pompeyfaith]

Re: Niddy v CapQuest

Ill bank the first public seat if this goes to court !!!!!!!!!!! now that would be something worth witnessing