CapQuest

[Never-In-Doubt]

Re: CapQuest

Hi,
Hopefully I won't confuse things here as I try to explain my situation. I am divorced and have been for almost 10 years now so this has been going on for a while.
Ok, here goes....I am really bad at keeping track of things, especially financial things.
I had a lot of debt after my divorce, overdrafts, credit cards, loans, a mortgage and so on.
I remember trying to explain to people that because most of them were marital debts I would be willing to repay half and they could chase my ex wife for the rest. I believe she began using her maiden name again so they couldn't find her and just kept coming after me. In the end, I myself left the army and they lost track of me for a while.
This is where Capquest come in but there are 3 parts to this...

I did set up a repayment plan for a debt that I simply cannot remember. I have been paying a standing order to them for £30 a month for maybe 6 years (I have to get to the bank to check the start date). There is a referene number to the standing order but that's all. So late last year, I wrote to Capquest asking them for details of the debt and received no reply. I then got 2 letters from them demanding money for 2 further debts, that would be from when I was married, so around a decade ago. I wrote to them again saying "You obviously received my previous letter since you are writing to me at my new address. It would be polite of you replied to its contents". I still have no reply to that letter.
So, my questions are;
1. How do I find out what those payments have been for because as it was a standing order, I believe I must have repaid it and have continued to pay them regardless (I dropped the amount to £1 a month after the first letter was ignored)?
2. How do I reply to the 2 requests they have made? I am assuming that after so long they can't possibly enforce it.
3. If I have overpaid them, how the hell do I get it back??

Oh, as for the standing order, I have another one with Barclays, I wrote to them asking the same questions as to what it was for and again had no reply.

Thank you for taking the time to read this. I look forward to any advice or suggestions.

Mick

Hiya Mick

Ok, I kinda get where you're coming from here. First things first, stop payments with all of them - sod em! Then send a CCA Request off for the debts (the ones you are paying) ---> CCA Request

Doing this will make them sit up and respond to you, plus until they do then you do not lawfully have to pay anyway, and similarly they cannot take any formal action against you.

Regards to the other letters you received; send this off (one letter per account):---> You know nothing of the Debt / Prove It Template

[Mickb1969]

Hi,
Hopefully I won't confuse things here as I try to explain my situation. I am divorced and have been for almost 10 years now so this has been going on for a while.
Ok, here goes....I am really bad at keeping track of things, especially financial things.
I had a lot of debt after my divorce, overdrafts, credit cards, loans, a mortgage and so on.
I remember trying to explain to people that because most of them were marital debts I would be willing to repay half and they could chase my ex wife for the rest. I believe she began using her maiden name again so they couldn't find her and just kept coming after me. In the end, I myself left the army and they lost track of me for a while.
This is where Capquest come in but there are 3 parts to this...

I did set up a repayment plan for a debt that I simply cannot remember. I have been paying a standing order to them for £30 a month for maybe 6 years (I have to get to the bank to check the start date). There is a referene number to the standing order but that's all. So late last year, I wrote to Capquest asking them for details of the debt and received no reply. I then got 2 letters from them demanding money for 2 further debts, that would be from when I was married, so around a decade ago. I wrote to them again saying "You obviously received my previous letter since you are writing to me at my new address. It would be polite of you replied to its contents". I still have no reply to that letter.
So, my questions are;
1. How do I find out what those payments have been for because as it was a standing order, I believe I must have repaid it and have continued to pay them regardless (I dropped the amount to £1 a month after the first letter was ignored)?
2. How do I reply to the 2 requests they have made? I am assuming that after so long they can't possibly enforce it.
3. If I have overpaid them, how the hell do I get it back??

Oh, as for the standing order, I have another one with Barclays, I wrote to them asking the same questions as to what it was for and again had no reply.

Thank you for taking the time to read this. I look forward to any advice or suggestions.

Mick