Starting out

[ScabHunter]

Re: Starting out

Scabhunter what's an avatar ?

Sorry, only just seen this. Been bloody ill since the 23rd and scarcely able to post. Avatar is the picture which many posters have underneath their user name, which appears on every post.

Many posters have them, some don't. There's certainly no need to, as they don't actually increase the quality of your posts.

SH

[Sosad]

Re: Starting out

Hi Scabhunter

Thanks for explanation sorry you're not too well especially over the Christmas period hope you have a better New Year ,take care of yourself.
Best wishes for 2013
Sosad xx

[Sosad]

Re: Starting out

Capital One (credit card) now dealing with Capquest.

Start date 2000/02ish

Balance £3907.
Last full payment 2009.

April 12th cancelled dmp requested cca.
April 13th reply from capqest requiring signature.
April 23rd I replied with no signature required letter.
April 28th, Capquest returned my P.O. and advised me that they have
returned account to Capital One and all corrospondece should
be addressed to Capital One.
April 28th ,2nd letter, Capquest has sent my request to Capital One
also states "please note that a notice of assignment is not
[SIZE=2]applicable as account has not been sold to us"[/SIZ
[COLOR=red]Do I now need to send p.o. to Capital One and request cca from them?

May 9th Sent Capital One P.O. And letter requesting CCA
June 15th Emailed Capital One CCA agreement to Niddy
June19th Niddy deemed this CCA enforceable ,unfortunately willsend off missing pt letter
June 20th Missing prescribed terms letter sent
July 9th Received letter from cap one ( long winded!) emailed to Niddy he states it's usual letter ,I'll ignore see what they send next.

Hi all
Received letter from Capquest stating they have been assigned the account and cap one will be sending me notice of this, the letter goes on to state they have not been made aware of any financial hardship ( if only!!) nor of any dispute concerning the account it's quite a long winded letter but the gist of it is they are looking for me to contact them and arrange a payment plan . What would be my next best step with these people?
As always any suggestions will be much appreciated
Sosad x

[The Tech Clerk]

Re: Starting out

If you respond send to:- Ms A. SIMMS Quality & Assurance Officer @ Capquest, especially if you have a dispute with Crap 1.

[Sosad]

Re: Starting out

Hi all
Just received another couple of letters ( oh the joys of being in debt!!!)

1st letter from CARS acting on instruction from monument to commence formal debt recovery action please settle account if I ignore payment request they may take further action against me which may include considering the account for potential litigation any suggestions



2nd letter from Sainsburys stating they have transferred the account to Wescot and to make arrangements with them to repay the balance

Thanks as always
Sosad x

[Sosad]

Re: Starting out

Hi Tech Clerk,

I don't know what to respond with to cappquest would it be the "missing prescribed terms " letter or"account in dispute" letter ??
Thanks for your reply
Sosad x

[ScabHunter]

Re: Starting out

I would send A/C sold in dispute to CARS and Crapquest. Wait until Wasteclot pollute your letterbox before you send the same thing.

(Posting on cell phone so cannot link)

SH

[The Tech Clerk]

Re: Starting out

Hi Tech Clerk,

I don't know what to respond with to cappquest would it be the "missing prescribed terms " letter or"account in dispute" letter ??
Thanks for your reply
Sosad x

As scabhunter states at this point but wait for moorpest to write.

[Deepie]

Re: Starting out

I would send A/C sold in dispute to CARS and Crapquest. Wait until Wasteclot pollute your letterbox before you send the same thing.

(Posting on cell phone so cannot link)

SH

----> Account Sold whilst in Dispute

[Sosad]

Re: Starting out

Thanks guys,
I really don't know what I'd do if I didn't have this site to turn to, your replies are very much appreciated I will post off " sold in dispute" letter asap .
Many thanks
Sosad xx

[Sosad]

Re: Starting out

Hi ,
Received letter from Wescot acting for Sainsbury they are looking for the full balance I have to either pay the balance or contact them on given phone number. Will I now send letter in dispute?
Thank you
Sosad xx

[ScabHunter]

Re: Starting out

Hi ,
Received letter from Wescot acting for Sainsbury they are looking for the full balance I have to either pay the balance or contact them on given phone number. Will I now send letter in dispute?
Thank you
Sosad xx

Is this the first you have heard from them?

If so, that is what I would do.

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

SH

[Sosad]

Re: Starting out

Thanks Scabhunter, it is the first i've heard from them regarding this account will send letter off today ,you did suggest this in a previous post but I think I've got a touch of OCD just wanted to make sure!!
Take care,
Sosad xx

[Sosad]

Re: Starting out

Monument (credit card)

Start date 2001

balance £2466.

Last full payment 2009

April 12th ,cancelled dmp requested cca.
April 30th, received cca
May 9th e- mailed Niddy with my cca
Please let me know if you received this as I'm not sure if I have done this properly thanks

May 12th . Niddy has deemed this CCA unenforceable





June 12th Posted telephone harassment letter
August 9th Received letter saying they have looked at my complaint and judged try have not breached any acts ,also asking for a financial breakdown if I wish to stay on the repayment plan


January11th:: Received letter from C.A.R.S acting on instruction from monument they are commencing formal debt collection please pay balance if I ignore payment request they may take further action which includes potential litigation.

January 14th: Sent "sold in dispute" letter .

Received letter from CARS stating they require £1 payment to process my request for copy of agreement !!! What would be the best way to respond to this ?
Thanks
Sosad xx

[ScabHunter]

Re: Starting out

Received letter from CARS stating they require £1 payment to process my request for copy of agreement !!! What would be the best way to respond to this ?
Thanks
Sosad xx

Tell them that you have already made a request to the original creditor and have no intention of making another one.

Shall I draft something out for you?

SH