The Scarednshakins UE Diary

[scarednshakin]

Re: The Scarednshakins UE Diary

I haven't read the full thread as I've only just had the agreement sent through but if that is their reply to a s78 CCA request then it isn't sufficient and the agreement at this stage is unenforceable.

Hi Andrew

Thanks for looking, over the years I have had many copies sent out and those are the only 2 pages that I have received.

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

I haven't read the full thread as I've only just had the agreement sent through but if that is their reply to a s78 CCA request then it isn't sufficient and the agreement at this stage is unenforceable.

Thanks mate. That's what I thought but wanted clarity as it is CQ!!

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

Hi Andrew

Thanks for looking, over the years I have had many copies sent out and those are the only 2 pages that I have received.

Ooopsie daisy for CQ then

[scarednshakin]

Re: The Scarednshakins UE Diary

Ooopsie daisy for CQ then

Cheers Niddy & Andrew, started breathing again!! What is my next step with regards to CQ?

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

What is my next step with regards to CQ?

laugh? Loud?

nah, seriously I'd send them a missing PT's template. Why not.

[scarednshakin]

Re: The Scarednshakins UE Diary

laugh? Loud?

nah, seriously I'd send them a missing PT's template. Why not.

Laugh, loud, might be doing that at the moment lol.

Will gladly send out letter to them first thing in the morning

Thanks guys, no doubt will be back soon as CQ have 4 of our accs at the moment!

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

And you have us...... Don't worry

[Never-In-Doubt]

Re: The Scarednshakins UE Diary

This is CQ at their worst - assuming the facts are accurate watch how things progress -> http://forums.all-about-debt.co.uk/s...d-Optima-Legal

[scarednshakin]

Re: The Scarednshakins UE Diary

It doesn't matter if you did a s.78 last year or last month. It's clear within the Act (s.78) that you can request a cca every month. So yes send CQ a s.78 and start afresh with them as they won't put up with crap and we don't want two claims being served on you.

Ignore the offer letter for now. Get a s.78 sent recorded delivery.

Hi Guys

Two letters in today from Capquest, the Lloyds Amex account has been put on hold.

Also received one about Lloyds Acc:-

Lloyds Online Loan £6,766.56 - defaulted. Lloyds Account No 2

Last payment made - 24 June 2010
Passed to Apex - 24 October 2010
Passed to Moorcroft - 15 May 2011
Passed to Wescot - 25 November 2011
Passed to Iqor - 6 March 2012

Received a letter from Lloyds on 26 July 2013 informing me that they had assigned all of its respective rights etc to Capquest with regard to this account and on the same day received a letter from Capquest informing me that they are now managing the account.

Sent out Account Sold letter and this account is now on hold while they await documents from their clients.

opening line is ‘As you will be aware your account is being processed for legal action’ – Was not aware of that!
They have an offer for us, if we start monthly payment for this account they will credit the account with an amount equal to 30% of our payment.

Will send out s.78 letter out to them about this one as well.

Cheers

[scarednshakin]

Re: The Scarednshakins UE Diary

laugh? Loud?

nah, seriously I'd send them a missing PT's template. Why not.

Hi Guys

Sent out missing PT's letter to Capquest and got a response this morning.

'We have received your request for a copy agreement. Please be advised that this document will only be provided to you if the request is submitted under the terms of the CCA 1974 Sections 77-79.

Under this act a £1 fee must be provided.

If you still require a copy of the agreement please sign and submit your request in writing as detailed above with the enclosed £1 fee made payable to Capquest Investments Ltd.

We can confirm we have placed this account on hold for one month from the date of this letter to enable you to provide the required documentation and fee.'

Ok completely confused with this one now, according to Capquest they have sent out the agreement and I queried it with the missing PT's template. What do I send out to them now????

Cheers guys

[scarednshakin]

Re: The Scarednshakins UE Diary

Lloyds Online Loan £6,105.43 - defaulted. Lloyds Account No 5

Thought I might be getting something in the mail. Had a phone call yesterday and didn't recognise the number. Received a letter from Lloyds telling me that Firstsource Solutions have been instructed to collect the debt.

Also attached is a letter from Firstsource informing me that they are collecting my delinquent debt and a payment slip. Did notice that the amount they stated is £500 less than previously stated.

Any info on Firstsource? Googled them but grateful for any other advice/info on them.

Thanks guys

Another letter in today, have not heard anything on this one since January 2013, Firstsource never got in touch. Letter from Lloyds informing me that the account has been assigned to 1st Credit and letter from 1st Credit confirming and asking or payment and if not collection agents will be visiting. Will send out Account Sold letter and see what comes back.

Thanks

[ATW]

Re: The Scarednshakins UE Diary

For starters I would use the month they have kindly given you. The at the end of that month perhaps you could just tell em that you are not making a new s78 request and that you were merely pointing out that they had failed to properly reply to your previous one so rendering the debt unenforceable.

[scarednshakin]

Re: The Scarednshakins UE Diary

Thank you ATW, did think it was very kind of them to give me a month. Ok I will wait until the New Year and then send them out a letter. Many thanks

[SXGuy]

Re: The Scarednshakins UE Diary

Sound advice from ATW. Always use up the time they give you to respond, as Asda says, "every little helps" lol

[Pip]

Re: The Scarednshakins UE Diary

Hello Mrs Scarednshakin -- I'm watching your Capquest shenanigans with interest as I'm in a very similar situation with them myself! (ex-Halifax credit card account that they've bought, and Lloyds TSB that they're "administrating" on behalf of the OC).