capquest

[Never-In-Doubt]

Re: capquest

I'm going to show you how to rip capquest a new arse.

More to follow. I'll post a link to it here

[CleverClogs (RIP)]

Re: capquest

I'm going to show you how to rip capquest a new arse.

Is that needed because their existing arsehole is blocked and hence causing them to be full of ordure?

[oldgrey]

Re: capquest

well today i got a letter from fredrickson saying they are disappointed i haven't replied to bryan carters letter btw i did but perhaps its crossed sent it recorded delivery so i know they have had it.

They are giving one final chance to make payment and they are willing to give me a full and final offer if i contact them within the next few days. otherwise they are going to reccomend to there client that solictors issue a claim against my address. I've not seen this type of letter before where they actually state that they will reccomend this.

Theres nothing i can do if they do decide to do this you can't get blood out of stone and i'd only pay the minimum that i can afford even if they did get a ccj against.

[5corpio]

Re: capquest

Yup they have done the same too me yesterday.........

[oldgrey]

Re: capquest

Just an update

I can't believe its been nearly 4 months since my last post. I've been getting letters from both capquest and fredrickson but i've just been sending the letters as suggested by niddy and others. Not many letters but usually about 2 a month perhaps less. On the 9th of november i started to get calls on the mobile from AIC i didn't have a clue what it was about i didn't answer or reply to texts

Today i received a letter from AIC saying they are now collecting on behalf of capital one and i need to make contact ASAP. This was dated the 9th but i didn't get it until today reading through posts i see this is AIC MO.

previously dated the 28th october i got a letter from fredrickson saying that my account was on hold while they investigate my complaint (usual reply) several days later i got a letter from capital one saying that my query was being investigated and please allow 4 weeks or possible more for them to investigate. This is the usual standard letter that cap 1 send out and i'm expecting a reply soon saying they have complied with everything etc. But i haven't as yet.

I've never had any involvement with AIC what type of DCA are they ? or is that a silly question lol

I know i send them a no more calls only contact via letter and i withdraw consent to home visits letter

but do i also send them an account in dispute letter and send them a copy of the capital one saying its been investigated letter as a way to shut them up for abit ?

sorry for the long post

edit- the capital one letter saying they were investigating my query was dated the 8th november i started getting calls and texts from AIC on the 9th the letter received today is also dated 9th. So much for capital one investigating my claims lol

[CleverClogs (RIP)]

Re: capquest

It is my belief that AIC are quite as inept and rude as any other DCA.

My account, arising from an RBS overdraft, was sent by the jerks at Triton to AIC who, even though I had paid the debt in full six days earlier, telephoned me to demand payment. I seem to recall the call centre monkey got quite angry when I told him that I would pay AIC nothing whatever and that he threatened that his employers would sue me. I now know that this could only have been done if the debt had been absolutely assigned to AIC - which I doubt it was.

When I told him that the debt had been paid in full, he demanded that I submit proof of having done so. My reply was that I did not have to prove anything but, should I be sued, I would submit copies of the receipts in defence of the claim.

[Deepie]

Re: capquest

Just an update

I can't believe its been nearly 4 months since my last post. I've been getting letters from both capquest and fredrickson but i've just been sending the letters as suggested by niddy and others. Not many letters but usually about 2 a month perhaps less. On the 9th of november i started to get calls on the mobile from AIC i didn't have a clue what it was about i didn't answer or reply to texts

Today i received a letter from AIC saying they are now collecting on behalf of capital one and i need to make contact ASAP. This was dated the 9th but i didn't get it until today reading through posts i see this is AIC MO.

previously dated the 28th october i got a letter from fredrickson saying that my account was on hold while they investigate my complaint (usual reply) several days later i got a letter from capital one saying that my query was being investigated and please allow 4 weeks or possible more for them to investigate. This is the usual standard letter that cap 1 send out and i'm expecting a reply soon saying they have complied with everything etc. But i haven't as yet.

I've never had any involvement with AIC what type of DCA are they ? or is that a silly question lol

I know i send them a no more calls only contact via letter and i withdraw consent to home visits letter

but do i also send them an account in dispute letter and send them a copy of the capital one saying its been investigated letter as a way to shut them up for abit ?

sorry for the long post

edit- the capital one letter saying they were investigating my query was dated the 8th november i started getting calls and texts from AIC on the 9th the letter received today is also dated 9th. So much for capital one investigating my claims lol

Yes send them this > Account Sold whilst in Dispute

[oldgrey]

Re: capquest

I wondered if niddy or someone else could advise as to my next course of action
I sent the account sold whilst in dispute letter to AIC along with a copy of the letter saying Capital one were investigating my claims as well as a no contact other than mail. Afew days later i got a rather detailed letter from capital one regarding my account basically they had supplied a valid CCA and thus that was the end of the story. Lots of quotes from previous court cases etc etc. They said that i could complain to the FOS but they thought it wouldn't be relevant and that my complaints would be better raised in court and they could decide on the validity.

Afew days later i got a letter from AIC saying i hadn't been in touch and they were giving me a further seven days. This was dated before capital ones letter.

Now what do i do now ? i know AIC recieved both letters because i sent them recorded delivery and they have accepted them. The phone calls and texts have stopped but they haven't replied to either of the letters.

Do AIC have to follow a process before submitting a CCJ claim to the court or can they just wait afew weeks and do it straight away ?

Before when fredrickson/capquest were involved they at least kept in touch and with each letter i sent they replied. With AIC its totally different and this is causing me to worry.

[Never-In-Doubt]

Re: capquest

Don't worry - just await a response from AIC - keep us updated ok?

[oldgrey]

Re: capquest

thanks for the quick response niddy :-)

[clearingthepas]

Re: capquest

I'll send the letter tomorrow or thursday recorded delivery its to capital one isn't it.

Could i ask one question you said it didn't have my signature but it is my signature at the bottom of the page its just thats all they have sent me no terms etc. is that why its unenforceable ?

Its a very good forum i tend to pop in and browse to see how other people are getting on.

Its an interesting forum thanks for creating it :-)

hey thanks for posting this we are going through exactly the same with them...I know what to expect next!!

[Never-In-Doubt]

Re: capquest

hey thanks for posting this we are going through exactly the same with them...I know what to expect next!!

Not necessarily, no two accounts are the same - although elements of correspondence etc may make it appear that way, they never are - just use it as a light reference guide, it will not be the same - it rarely is

[oldgrey]

Re: capquest

Just a quick update, AIC have sent a letter dated the 8th december ,why does it always take nearly a week from the date of the letter until i get it! saying i have not replied to there previous letter that's incorrect its just not the reply they wanted. They then go onto say i have 7 days from receipt of this letter which was today the 14th december to get in touch otherwise "AIC may recomment that our client initiates appropriate action against me" i don't know what recomment means but i think i should just wait to see what the next letter is that correct ?

[Deepie]

Re: capquest

Just a quick update, AIC have sent a letter dated the 8th december ,why does it always take nearly a week from the date of the letter until i get it! saying i have not replied to there previous letter that's incorrect its just not the reply they wanted. They then go onto say i have 7 days from receipt of this letter which was today the 14th december to get in touch otherwise "AIC may recomment that our client initiates appropriate action against me" i don't know what recomment means but i think i should just wait to see what the next letter is that correct ?

see what they do next ....post is a bit slow this time of year...

[CleverClogs (RIP)]

Re: capquest

Just a quick update, AIC have sent a letter dated the 8th december ,why does it always take nearly a week from the date of the letter until i get it! saying i have not replied to there previous letter that's incorrect its just not the reply they wanted. They then go onto say i have 7 days from receipt of this letter which was today the 14th december to get in touch otherwise "AIC may recomment that our client initiates appropriate action against me" i don't know what recomment means but i think i should just wait to see what the next letter is that correct ?

Yes, pretty well - after all, nothing has changed, has it?

The reason for the delay is simply to make you panic.

Don't.

If the alleged debt was unenforceable with the previous numpties, this present rabble will have the same problems.