asm76's UE Diary

[SA Gold]

Re: asm76's UE Diary

Amazing how they always say MAY not June in their letters./?

[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.
30/06/2012 - Letter received from Mr Hawkes the Complaints Officer. They have sent me the same express application, unsigned CCA and statements dating back to 2005 that I showed Niddy. Instead of typing it all out I have taken a pic and uploaded it below.
03/07/2012 - Sent missing prescribed terms letter.
19/07/2012 - Letter received including same Express application (signed by me) and unsigned CCA. They have highlighted some info this time around
20/07/2012 - Sent Final Response - Unenforceable letter.
25/08/2012 - Same letter, with bits highlighted (as per 19th July). This time they tell me the FOS wouldn't be able to uphold any complaint I made. Wonder how they know that? Anyway, nothing new here really, they are just repeating themselves now. They've even enclosed ANOTHER copy of the application, unsigned Ts&Cs and 5 years worth of statements.
14/09/2012 - Letter received informing me that my account is being processed for legal action. I have been selected for this "one time solution" to settle my account. It's "not a gimmick" or "nothing sinister" and I can "save a considerable amount of money doing so". I have to pay a minimum payment each month and they will credit my account with 30% of the payment I make. They hope I "seriously consider this and make the right choice".
06/10/2012 - Letter received from the infamous Marcus Butterworth "Litigation Department". As I'm aware they've communicated with me over a period of time to resolve this without the need for legal action. Warns me costs will be applied if they succeed in obtaining judgement. My case may be passed to their solicitors on or around the 16th October. Then he goes on to say that he isn't demanding payment in full and he's open to suggestion from me... And, if I contact them before the 16th, they will offer a settlement figure (around £1300 less than the original balance - yet I've already paid more than that off in installments since 2008 - they are chasing the original amount and haven't taken into account what I've already paid!!) to clear the account, which I can pay in 3 monthly installments.
10/10/2012 - Sent one liner referring them to my Final response letter dated 20/07/2012.
17/10/2012 - 7:45pm Phone call on my work mobile. Call rejected. Voice mail left informing me Capquest had tried to contact me and may contact me later.
19/10/2012 - Telephone Harassment letter sent.
29/10/2012 - Letter received apologising for any inconvenience and they've removed all telephone numbers for me from my "account".
19/08/2013 - Letter from Past Due Credit Solutions chasing the debt for Capquest. I'm ignoring this one.
05/09/2013 - Letter from past Due telling me I haven't paid the debt and I may get more letters and my credit may be affected in the future. ooh, scary! In fact Capquest already defaulted me and it dropped off my file nearly 2 years ago.
21/09/2013 - Letter from Past Due informing me that Capquest have authorised them to offer a discount of ~£2000. Still ignoring. Even my OH is rolling her eyes at it all now. They are still peddaling the wrong owed amount also, every letter has the original owed amount on it, not the original amount MINUS what I had already paid.

[MrsD]

Re: asm76's UE Diary

that's what I'd do

[asm76]

Re: asm76's UE Diary

Silence is golden!

Had my mortgage approved (pending valuation and surveys) yesterday!

[IF]

Re: asm76's UE Diary

I have my fingers crossed for you asm76

[Pixie]

Re: asm76's UE Diary

Hope the valuation and surveys go well asm

[asm76]

Re: asm76's UE Diary

Valuation came back satisfactory, formal offer is in the post apparently

[IF]

Re: asm76's UE Diary

Hi, just checking if all is OK?

Best wishes
IF

[asm76]

Re: asm76's UE Diary

Hello - sorry, it has been a while!

We moved into the house 12th February last year and I've heard absolutely nothing from Capquest. I'm on the electoral role and my credit files are squeaky clean.

Everything remains quiet and calm

[IF]

Re: asm76's UE Diary

Hello - sorry, it has been a while!

We moved into the house 12th February last year and I've heard absolutely nothing from Capquest. I'm on the electoral role and my credit files are squeaky clean.

Everything remains quiet and calm

No worries asm76, I'm just pleased all is well and congratulations on your new home

[asm76]

Re: asm76's UE Diary

The power of simply ignoring them

[SaltnVinegar]

Re: asm76's UE Diary

Hey ASM

Hows things going? Hopefully Cwapquest haven't managed to trace you yet?

Best
SnV

[asm76]

Re: asm76's UE Diary

Hey ASM

Hows things going? Hopefully Cwapquest haven't managed to trace you yet?

Best
SnV

Happy New Year everyone!

Still not been traced or heard a peep from CapQuest so far. It's coming up to 4 years since I stopped paying.

In the next 3 months I will be looking at mortgages as my 2 year fixed is coming to an end!

[cymruambyth]

Re: asm76's UE Diary

Remember to check the term of your mortgage. When my fixed rate finished I was fortunate to have my terms state that I would revert to 1/2% over bank base rate, so it actually dropped

[asm76]

Re: asm76's UE Diary

Yes, it drops to 4% from 4.99% (Help to Buy Mortgage Guarantee).

Saves us just under £90 per month. We might be able to get a better rate re-mortgaging with any equity we have built up, depends how much house prices have risen in the area.