DISPUTING OUTSTANDING BALANCE TO CAPQUEST

[Never-In-Doubt]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

Tis how it appears; to the layman, no?

[PlanB]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

I have a debt with Black Horse which I stopped paying a year ago. In February I had a letter from dlc which said "Black Horse Ltd no longer own your account, your account is owned by dlc". Pay up basically. So I asked them to prove it. They sent back a Notice of Assignment dated before I even took out the loan Are they psychic or what? It didn't have my name or anything on it and the covering letter said they had removed all the "commercially sensitive" details. Like my name? Never heard from dlc again. I regularly check the CRAs and it's still showing Black Horse updating each month. Maybe worth checking dlc are telling the truth

[DAVEB71]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

Cheers guys just had another letter from dlc saying they havent heard from me in a while!(whats that all about!) and could I get intouch, now as I understand it arnt CCJ'S set by the court and you pay that amount and thats it, I also noticed the o/s balance has gone down so they must be getting the standing order money, I dont know ????can anyone make head or tale of it?? cheers, btw planB I did get a letter off blackhorse but its still puzzling, sounds like they want more money out of me, ha ha fuckin dream on!!!

incidently(I will start another thread for this) dial direct wanted to charge me 15 quid for not signing the credit agreement for my house insurance so I told them to fuck off and whistle for it (on principle of course), now they've sent me a cancellation charge for a policy I never signed for , am I going soft or is this another gang of idiots trying it on again.
cheers everyone

[CleverClogs (RIP)]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

I have a debt with Black Horse which I stopped paying a year ago. In February I had a letter from dlc which said "Black Horse Ltd no longer own your account, your account is owned by dlc". Pay up basically. So I asked them to prove it. They sent back a Notice of Assignment dated before I even took out the loan Are they psychic or what? It didn't have my name or anything on it and the covering letter said they had removed all the "commercially sensitive" details. Like my name? Never heard from dlc again.

All the same, ensure you keep that alleged Notice of Assignment safely, as you may need it at some future date.

Was it a simple error that might have been the result of a typing error, such as "20 January 2001" rather than "20 January 2011"?

[PlanB]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

All the same, ensure you keep that alleged Notice of Assignment safely, as you may need it at some future date. Was it a simple error that might have been the result of a typing error, such as "20 January 2001" rather than "20 January 2011"?

Nah, the date's hand written under the missing signature on a 'bulk buy' NOA And Blackhorse are still updating on the CRAs.

The joke is this is the only one of my CCAs which is 1,000 % enforceable (taken out in 2008) but they didn't pursue me after I asked to see the NOA. So after 8 months of silence I offered to pay £4.25 pcm the same as my agreed DMP deal which they accepted by return of post .

So I've got a shiny black Mini Auto with alloy wheels, electric roof, CD player, the whole kit and caboodle for just 0.98p a week on an interest free loan from dlc. I'm not bothered who owns the damn debt

[DAVEB71]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

cheers CleverCloggs and PlanB, so you think issuing dlc with an NOA is the way to go, like I said they arnt getting another bean out of me, all for a long since gone shite couch from dfs which I've been paying off for time!! cheers again fellas

Dave

[Never-In-Doubt]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

cheers CleverCloggs and PlanB, so you think issuing dlc with an NOA is the way to go, like I said they arnt getting another bean out of me, all for a long since gone shite couch from dfs which I've been paying off for time!! cheers again fellas

Dave

You cannot issue a Notice of Assignment, as you cannot assign the account! Just ignore them, when they write back then let us know.....

[CleverClogs (RIP)]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

You cannot issue a Notice of Assignment, as you cannot assign the account!

Are you sure he could not assign his right to be hassled interminably, or his right to pay towards that alleged debt?

[DAVEB71]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

Thanks guys I will let you know if I hear from them.

[DAVEB71]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

Hi everyone
heard from dlc again this time with a dd form asking me to fill it in and return it, which I am obviously not going to do, but again I repeat the ccj amount was set by the courts as I understand it so what do you think the crack is with these?? and has anyone ( :niddy ) got any advice on what to issue them with ......any death warrant templates on this site?? ha ha !!

cheers everyone

Dave

ps how can I get all this dlc info onto a new thread?

[BBoo]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

Don't know whethr there's a template for it, or a Niddy Special could be composed, but you might like to threaten litigation against them for Breach of a Court Order - you could have the District Judge as a witness!

[DAVEB71]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

Thanks BBoo, thats very interesting I wasn't aware thats what they are doing, I think you're right it has to be a Nddy special!
If your out there mate and got time would you have a look at this for me.

Cheers BBoo

Dave

[SaltnVinegar]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

It sounds like this bunch of chancers are trying to assess whether its worth them going back to the court for a redetermination of the CCJ.

You do not want to give them any indication that your circumstances have improved (if they have) and if they have not then any response you send to them needs to be clear on this point:

There is a CCJ for this debt.

You are paying the amount determined by the court and have not missed a payment.

Your financial circumstances have not changed since the CCJ was entered.

Continued correspondance asking for financial information, increase in payments etc will be considered harrassment.

Best

SnV

[DAVEB71]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

Cheers SnV

I thought it sounds like they are snooping so I think a letter stating the above sooner rather than later would be wise, I have actually been paying double what the court set just to get it paid quicker, but to be clear even with a ccj even though I have had a noa from blackhorse telling me dlc have took over the debt, they, dlc, would have to take me back to court to get more money? and therefore I am not obliged to fill any dd form in, as the account that the standing order that the debt was paying into is still active and I,ve not changed it because they've not instructed me with new so details, I have another ccj which I pay to weightmans and they have changed the people I am paying to on a few ocasions but they just informed me of this I never had to set a new so up or anything,


weird??

cheers

Dave

[SaltnVinegar]

Re: DISPUTING OUTSTANDING BALANCE TO CAPQUEST

I have actually been paying double what the court set just to get it paid quicker

Ironically this may be whats worked against you. They are seeing you paying double so think theres the possibility theres more money to be had............

But to be clear even with a ccj even though I have had a noa from blackhorse telling me dlc have took over the debt, they, dlc, would have to take me back to court to get more money?

As I understand it they would have to apply for a redetermination and demonstrate that you could afford to pay more.

Its a slightly risky strategy of course, as you could also demonstrate that you can't afford the current repayment and ask for a redetermination to pay LESS.

and therefore I am not obliged to fill any dd form in, as the account that the standing order that the debt was paying into is still active and I,ve not changed it because they've not instructed me with new so details, I have another ccj which I pay to weightmans and they have changed the people I am paying to on a few ocasions but they just informed me of this I never had to set a new so up or anything

Depends on the type of assignment......... you're correct not to fill in the DD form, they should provide you with bank details to alter your standing order.