The SaltnVinegar UE Diary

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Send any correspondence to the C.E.O. Mark Brunault @ Capquest, and a copy to Ms A. SIMMS, Quality & Control Officer.

[Deepie]

Re: The SaltnVinegar UE Diary

Hi Vint

As Capquest are calling my work number, and so consequently preventing me from carrying out my duties while at work, I am considering framing a letter along the lines of the next time they call me at work they will incur a charge of £20. If the person calling me claims that they have received no correspondence requesting they do not call me at work this will incur an additional £10 charge.

I think I could justify this on the basis of preventing me from carrying out my duties, the considerable effort in answering their calls when they have been asked to put all correspondence in writing etc.

I'll then invoice them for their calls, and when they don't pay I will start court proceedings against them.

At least thats my thought atm!

Have you seen this-----> Harassment by Telephone - Threat of Legal Action

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Niddy will beef one up for you, or complain to the OFT

Hi Vint

As Capquest are calling my work number, and so consequently preventing me from carrying out my duties while at work, I am considering framing a letter along the lines of the next time they call me at work they will incur a charge of £20. If the person calling me claims that they have received no correspondence requesting they do not call me at work this will incur an additional £10 charge.

I think I could justify this on the basis of preventing me from carrying out my duties, the considerable effort in answering their calls when they have been asked to put all correspondence in writing etc.

I'll then invoice them for their calls, and when they don't pay I will start court proceedings against them.

At least thats my thought atm!

[vint1954]

Re: The SaltnVinegar UE Diary

So despite getting the telephone harassment at work letter I have a missed call from Capquest today.

I think I will wait and see if I get another one, then I will send the slightly more heavily worded template letter.

Stupid idiots cannot deny calling either as they are going through my employers main reception number

Niddy will beef one up for you, or complain to the OFT

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Halifax/IF:

• Type of account - Credit Card
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying (already established UE)
  
  
• Status - Defaulted though no DN received
  
  
• Account owner - Capquest
  

Key:
Blue - Communication Sent
Red - Communication Received

2/5/2012 - CCA Request Sent
7/6/2012 - Letter from Halifax/If stating that they cannot find my credit agreement and will not try to enforce the agreement while they try to find it
June 2012 - Numerous letters from Wescot making threats
2/7/2012 - Letter to Wescot - Account Sold While In Dispute
7/10/2012 - Letter from Halifax/If stating account transferred to Capquest
19/10/2012 11:05 - Telephone call from Capquest
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute
26/10/2012 08:50 - Telephone call from Capquest
29/10/2012 - Letter to Capquest - Telephone harassment at work letter
2/11/2012 - Letter from Capquest asking for £1 for CCA request!
13/11/2012 14:38 - Telephone call from Capquest

So despite getting the telephone harassment at work letter I have a missed call from Capquest today.

I think I will wait and see if I get another one, then I will send the slightly more heavily worded template letter.

Stupid idiots cannot deny calling either as they are going through my employers main reception number

[MrsD]

Re: The SaltnVinegar UE Diary

Shall we get a little book going with odds on which one it will be?

Newmans?
Moorcroft?
Capquest?
Allied International Credit?

mine went to Moorcroft who promptly admitted there was no paperwork and closed the file! So you can hope.................

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Santander:

• Type of account - Current Account/Overdraft
  
  
• Date commenced - Years ago (something like 2000)
  
  
• Approx balance - Approx £3300
  
  
• Date last full payment - August/September 2010
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Defaulted
  
  
• Account owner - Wescot

Key:
Blue - Communication Sent
Red - Communication Received

21/7/2012 - Letter received from Wescot, failed to maintain payment plan arrangement
2/8/2012 - Letter received from Wescot. Pretty much same as letter of 21/7/2012
20/8/2012 - Letter received from Wescot threatening doorstep collection visit
21/8/2012 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information
21/8/2012 - Doorstep threat response letter sent
14/9/2012 - Letter received from Wescot. Account suspended pending investigations

Now I know for many this is old news but I have only just read this post from Niddy regards O/D's:

allaboutFORUMS - View Single Post - Overdrafts - CCA Information

This is really interesting (excuse the pun) as my O/D was well over its limit, having been placed that way by Santanders own charges.

Now that would be a little poetic justice if their own charges mean normal rules will now apply!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

I would think so

Shall we get a little book going with odds on which one it will be?

Newmans?
Moorcroft?
Capquest?
Allied International Credit?

[MrsD]

Re: The SaltnVinegar UE Diary

I would think so

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

American Express:

• Type of account - Credit Card
  
  
• Date commenced - Not sure approx Sept 2007
  
  
• Approx balance - Approx £2900
  
  
• Date last full payment - March/April 2010?
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received
  
  
• Account owner - UCA (Another 'face' of American Express)
  

Key:
Blue - Communication Sent
Red - Communication Received

16/8/2012 - Letter from RMA offering their 'free' debt management services though I have to phone them
21/8/2012 - Payment break letter sent
7/9/2012 - Letter from RMA that account may be passed to 'normal collections'
6/10/2012 - Letter from RMA stating my account will be passed to mainstream collections
11/10/2012 - Letter from Amex stating my account is being passed to an external DCA (UCA)
16/10/2012 - Letter from UCA
18/10/2012 09:54 - Telephone call from UCA
29/10/2012 - Payment break letter sent to UCA
29/10/2012 - CCA Request sent to UCA
6/11/2012 - Letter from UCA

Letter received yesterday from UCA. Its possible that they crossed in the post with my CCA request as they were dated 30th October.

Basically content of the letter goes along the lines of:

We are disappointed you have not responded to our repeated correspondence blah blah (1 phone call & 1 letter is repeated correspondence?!!!)

We may have to refer the account back to our client

We will recommend to our client that they commence legal action

blah blah

I expect Amex will farm this out to an external DCA shortly.

[SXGuy]

Re: The SaltnVinegar UE Diary

I would ignore also, i never feel the need to reply to letters that miss the point, maybe its just cos i cant be bothered lol

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Either ignore S&V or just send a one liner pointing them to the fact that it was not a CCA request, but a reminder that their client had not responded to an earlier one.

Thanks Vint - I think I will ignore. They have obviously not read the letter correctly, or alternatively they have a limited amount of keys on the threat-o-matic response machine so do not know how to handle it and have sent me the closest one that suits!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Quick Quid:

• Type of account - Payday Loan
  
  
• Date commenced - Late 2009/Early 2010 (not sure exactly)
  
  
• Approx balance - Approx £750
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - Defaulted but no DN received
  
  
• Account owner - ArcEurope
  

Key:
Blue - Communication Sent
Red - Communication Received

17/7/2012 - Letter received from ArcEurope Limited threatening pay up in 10 days or we will take you to court.
25/7/2012 - Email from ArcEurope stating that the account has been transferred to them for collection
4/8/2012 - LBA from Trevor Munn Solicitors giving me 10 days to pay up or they will make an application for CCJ
7/8/2012 - Response back to ArcEurope & Trevor Munn disputing account
7/8/2012 - CCA Request to ArcEurope
9/8/2012 - Letter from ArcEurope, account currently on hold, referred back to their client
24/10/2012 - Letter from ArcEurope, Statement of payments, and Credit Agreement
29/10/2012 - Response back to ArcEurope that account still in dispute
30/10/2012 - CCA sent to Niddy for review
3/11/2012 - Letter from ArcEurope, account currently on hold, referred back to their client

Looks like my letter back to ArcEurope has had the desired effect as they have placed the account on hold and are waiting on instructions from Quickquid.

Quickquid are in a couple of breaches of the CCA, but I have not told them exactly what it is they have done wrong.

I'd like them to ask me - because I will charge them a consultancy fee for telling them what they are doing wrong!

[vint1954]

Re: The SaltnVinegar UE Diary

Could Capquest be more incompetent!

They seem to have confused my letter of 26th for a CCA request and are asking for the £1 fee!

Despite the fact that it clearly states that Halifax are in breach of the CCA request sent to them and it included a copy of the letter from Halifax stating they cannot find the agreement!

I think I will ignore this letter for now and see what garbage Capquest send next.

Either ignore S&V or just send a one liner pointing them to the fact that it was not a CCA request, but a reminder that their client had not responded to an earlier one.

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Halifax/IF:

• Type of account - Credit Card
  
  
• Date commenced - Years and years ago!
  
  
• Approx balance - Approx £800
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying (already established UE)
  
  
• Status - Defaulted though no DN received
  
  
• Account owner - Capquest
  

Key:
Blue - Communication Sent
Red - Communication Received

2/5/2012 - CCA Request Sent
7/6/2012 - Letter from Halifax/If stating that they cannot find my credit agreement and will not try to enforce the agreement while they try to find it
June 2012 - Numerous letters from Wescot making threats
2/7/2012 - Letter to Wescot - Account Sold While In Dispute
7/10/2012 - Letter from Halifax/If stating account transferred to Capquest
19/10/2012 11:05 - Telephone call from Capquest
25/10/2012 - Introduction letter from Capquest
26/10/2012 - Letter to Capquest - Account Sold While In Dispute
26/10/2012 08:50 - Telephone call from Capquest
29/10/2012 - Letter to Capquest - Telephone harassment at work letter
2/11/2012 - Letter from Capquest asking for £1 for CCA request!

Could Capquest be more incompetent!

They seem to have confused my letter of 26th for a CCA request and are asking for the £1 fee!

Despite the fact that it clearly states that Halifax are in breach of the CCA request sent to them and it included a copy of the letter from Halifax stating they cannot find the agreement!

I think I will ignore this letter for now and see what garbage Capquest send next.