asm76's UE Diary

[asm76]

Type of account: Credit Card (AMEX)
Date commenced: 11/07/2003
Approx balance: £5289.19
Date last paid: Feb 2012
Are you on arrangement or not paying: Not paying
Status: Default dropped off credit file October 2011
Account owner: Capquest

07/03/2012 - Sent CCA request
10/03/2012 - Letter received stating my account was on hold for 28 days while they source the CCA.
22/05/2012 - Received a stack of statements dating back to 2005. An "Express Application" form signed by me. Copy of a CCA, unsigned.
22/05/2012 - Emailed Niddy

[asm76]

Re: asm76's UE Diary

Reply from Niddy:

allaboutFORUMS - View Single Post - Bullying tactics in the past?

Is there a template letter I can send them to advise them of this?

[Never-In-Doubt]

Re: asm76's UE Diary

---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[asm76]

Re: asm76's UE Diary

Type of account: Credit Card (AMEX)
Date commenced: 11/07/2003
Approx balance: £5289.19
Date last paid: Feb 2012
Are you on arrangement or not paying: Not paying
Status: Default dropped off credit file October 2011
Account owner: Capquest

07/03/2012 - Sent CCA request
10/03/2012 - Letter received stating my account was on hold for 28 days while they source the CCA.
22/05/2012 - Received a stack of statements dating back to 2005. An "Express Application" form signed by me. Copy of a CCA, unsigned.
22/05/2012 - Emailed Niddy

28/05/2012 - Sent missing prescribed terms letter

[asm76]

Re: asm76's UE Diary

Type of account: Credit Card (AMEX)
Date commenced: 11/07/2003
Approx balance: £5289.19
Date last paid: Feb 2012
Are you on arrangement or not paying: Not paying
Status: Default dropped off credit file October 2011
Account owner: Capquest

07/03/2012 - Sent CCA request
10/03/2012 - Letter received stating my account was on hold for 28 days while they source the CCA.
22/05/2012 - Received a stack of statements dating back to 2005. An "Express Application" form signed by me. Copy of a CCA, unsigned.
22/05/2012 - Emailed Niddy
28/05/2012 - Sent missing prescribed terms letter

08/06/2012 - Letter received: "Referred to the compliance department. A quality assurance officer will be in touch. Account on hold etc."

[Never-In-Doubt]

Re: asm76's UE Diary

08/06/2012 - Letter received: "Referred to the compliance department. A quality assurance officer will be in touch. Account on hold etc."

see what they send next

[asm76]

Re: asm76's UE Diary

Type of account: Credit Card (AMEX)
Date commenced: 11/07/2003
Approx balance: £5289.19
Date last paid: Feb 2012
Are you on arrangement or not paying: Not paying
Status: Default dropped off credit file October 2011
Account owner: Capquest

07/03/2012 - Sent CCA request
10/03/2012 - Letter received stating my account was on hold for 28 days while they source the CCA.
22/05/2012 - Received a stack of statements dating back to 2005. An "Express Application" form signed by me. Copy of a CCA, unsigned.
22/05/2012 - Emailed Niddy
28/05/2012 - Sent missing prescribed terms letter
08/06/2012 - Letter received: "Referred to the compliance department. A quality assurance officer will be in touch. Account on hold etc."

09/06/2012 - Another letter received dated 2nd June (crossed in the post with the letter received on 8th June 2012, which was dated 7th June 2012). This one is a "Letter Before Action" saying my account will be progressed to their pre-litigation department, mentions their solicitors MAY commence legal action "around 8th June 2012" (yesterday lol!). Mentions "Order of the Court", "Warrant of Execution" and then goes on to threaten all the things Bailiffs will do to me, removing my possessions, extra fees etc. etc. Then they tell me that to avoid this action I should call them.

[Pixie]

Re: asm76's UE Diary

Even though the account is on hold, if it were me I'd still send Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

[asm76]

Re: asm76's UE Diary

Hmmm... I think I'll hold fast until this quality assurance officer gets in touch. Otherwise there will be letters crossing in the post all over the shop.

[asm76]

Re: asm76's UE Diary

Type of account: Credit Card (AMEX)
Date commenced: 11/07/2003
Approx balance: £5289.19
Date last paid: Feb 2012
Are you on arrangement or not paying: Not paying
Status: Default dropped off credit file October 2011
Account owner: Capquest

07/03/2012 - Sent CCA request
10/03/2012 - Letter received stating my account was on hold for 28 days while they source the CCA.
22/05/2012 - Received a stack of statements dating back to 2005. An "Express Application" form signed by me. Copy of a CCA, unsigned.
22/05/2012 - Emailed Niddy
28/05/2012 - Sent missing prescribed terms letter
08/06/2012 - Letter received: "Referred to the compliance department. A quality assurance officer will be in touch. Account on hold etc."
09/06/2012 - Another letter received dated 2nd June (crossed in the post with the letter received on 8th June 2012, which was dated 7th June 2012). This one is a "Letter Before Action" saying my account will be progressed to their pre-litigation department, mentions their solicitors MAY commence legal action "around 8th June 2012" (yesterday lol!). Mentions "Order of the Court", "Warrant of Execution" and then goes on to threaten all the things Bailiffs will do to me, removing my possessions, extra fees etc. etc. Then they tell me that to avoid this action I should call them.

19/06/2012 - Letter received quoting Carey vs HSBC and recon agreements. I've uploaded the letter... (clickable thumbnail).

[Deepie]

Re: asm76's UE Diary

19/06/2012 - Letter received quoting Carey vs HSBC and recon agreements. I've uploaded the letter... (clickable thumbnail).

I Would send this if it was me------>Threat by Creditor - Threat-o-Gram Letter Before Action

[asm76]

Re: asm76's UE Diary

Meant to say that they enclosed the same copies of the previous "Express Application", unsigned credit card agreement and statements.

[asm76]

Re: asm76's UE Diary

I Would send this if it was me------>Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks, I assume I need to tailor it to remove all the gumpf about it being in dispute with the OC etc? I've only ever had dealings with Capquest and, as such, was never placed into dispute with the OC.

[asm76]

Re: asm76's UE Diary

Originally Posted by asm76
Type of account: Credit Card (AMEX)
Date commenced: 11/07/2003
Approx balance: £5289.19
Date last paid: Feb 2012
Are you on arrangement or not paying: Not paying
Status: Default dropped off credit file October 2011
Account owner: Capquest

07/03/2012 - Sent CCA request
10/03/2012 - Letter received stating my account was on hold for 28 days while they source the CCA.
22/05/2012 - Received a stack of statements dating back to 2005. An "Express Application" form signed by me. Copy of a CCA, unsigned.
22/05/2012 - Emailed Niddy - Account
28/05/2012 - Sent missing prescribed terms letter
08/06/2012 - Letter received: "Referred to the compliance department. A quality assurance officer will be in touch. Account on hold etc."
09/06/2012 - Another letter received dated 2nd June (crossed in the post with the letter received on 8th June 2012, which was dated 7th June 2012). This one is a "Letter Before Action" saying my account will be progressed to their pre-litigation department, mentions their solicitors MAY commence legal action "around 8th June 2012" (yesterday lol!). Mentions "Order of the Court", "Warrant of Execution" and then goes on to threaten all the things Bailiffs will do to me, removing my possessions, extra fees etc. etc. Then they tell me that to avoid this action I should call them.
19/06/2012 - Letter received quoting Carey vs HSBC and recon agreements.
19/06/2012 - Sent Threat by Creditor - Threat-o-Gram Letter Before Action

[asm76]

Re: asm76's UE Diary

Type of account: Credit Card (AMEX)
Date commenced: 11/07/2003
Approx balance: £5289.19
Date last paid: Feb 2012
Are you on arrangement or not paying: Not paying
Status: Default dropped off credit file October 2011
Account owner: Capquest

07/03/2012 - Sent CCA request
10/03/2012 - Letter received stating my account was on hold for 28 days while they source the CCA.
22/05/2012 - Received a stack of statements dating back to 2005. An "Express Application" form signed by me. Copy of a CCA, unsigned.
22/05/2012 - Emailed Niddy - Account
28/05/2012 - Sent missing prescribed terms letter
08/06/2012 - Letter received: "Referred to the compliance department. A quality assurance officer will be in touch. Account on hold etc."
09/06/2012 - Another letter received dated 2nd June (crossed in the post with the letter received on 8th June 2012, which was dated 7th June 2012). This one is a "Letter Before Action" saying my account will be progressed to their pre-litigation department, mentions their solicitors MAY commence legal action "around 8th June 2012" (yesterday lol!). Mentions "Order of the Court", "Warrant of Execution" and then goes on to threaten all the things Bailiffs will do to me, removing my possessions, extra fees etc. etc. Then they tell me that to avoid this action I should call them.
19/06/2012 - Letter received quoting Carey vs HSBC and recon agreements.
19/06/2012 - Sent Threat by Creditor - Threat-o-Gram Letter Before Action
27/06/2012 - Letter received thanking me for my recent correspondence. My account is "on-hold" while they investigate my complaint in line with their in-house procedure. They'll be in contact with me with the results of their findings. They've kindly enclosed a copy of their "Complaints Handling Leaflet" for my information.