Thatnamestaken / UE Diary

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Hi all,
Just updated diary.....still no reply from Crapquest to my cca request since their last letter stating they had the cca but needed me to call for "security reasons"before they will send it.Have kept quiet and now have received a letter today from Advantis credit saying that they have been instructed by their client,Capquest,to make arrangements to collect a debt which their records show as being outstanding.
What template should i swat these numpties with....and do I send it to Advantis or Crapquest?
Have to say I am very happy that they are causing so much delay with sb being only a few months away,nice they are doing all of the delaying and not me......

[Never-In-Doubt]

Re: Thatnamestaken / UE Diary

Hi all,
Just updated diary.....still no reply from Crapquest to my cca request since their last letter stating they had the cca but needed me to call for "security reasons"before they will send it.Have kept quiet and now have received a letter today from Advantis credit saying that they have been instructed by their client,Capquest,to make arrangements to collect a debt which their records show as being outstanding.
What template should i swat these numpties with....and do I send it to Advantis or Crapquest?
Have to say I am very happy that they are causing so much delay with sb being only a few months away,nice they are doing all of the delaying and not me......

Just leave them to dwell on it - you have proof that the request was sent, so fine - let them mess around.

Its not Capquests place to withold it. :niddy

[Fribourg]

Re: Thatnamestaken / UE Diary

Ooops already answered, I'm to slow

[Never-In-Doubt]

Re: Thatnamestaken / UE Diary

Send this template to Advantis, let them waste more time

Our Templates | Unenforceability Templates | Account Sold whilst in Dispute

No need as the DCA had the request prior to selling the account, thus the original DCA is already in default and thus this is unenforceable (by default of s.78) plus the DCA in question (Crapquest) have not issued assignment details so the OP has no requirement to respond.

Point is, any random company can write and say you owe me cash - if you knew you never then you'd ignore it wouldn't you? Same applies, last the OP heard was from Crapquest and as the assigned DCA it is upto Crapquest to notify the OP that they have assigned it out.

I would ignore it as Advantis right now, are nobody.

If however Crapquest notified the OP of their intention to sell it, then yes, I believe we agreed that a dispute template was appropriate.

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Time to start a diary.....will add more/others as and when they crawl out of the woodwork !!

My other thread is here: ---> So it begins

Debt assigned to Capquest from MBNA.
Balance due : £5355.43.
Card account opened pre 2005.
Default/last contact approx June 2006.

Letter before action received 10/12/11.
CCA template letter sent 12/12/11.
Reply from Crapquest,account on hold for 28 days while they obtain the information required. 19/12/11
Letter from Crapquest,not the cca as requested but a "special offer"...09/01,12
Letter from Crapquest,will not send cca until I have called them for"security/data protection"reasons ! 12/01/12
Letter received from Advantis credit stating they have been instructed by their client,Capquest,to collect a debt that their records show is outstanding....04/02/12.


Second letter from Advantis Credit....."We wrote to you recently in relation to an outstanding debt of 5k+ owed by you to our client Crapquest.We note that we have received neither payment in full nor a response from you to resolve this matter.Owing to the lack of response we have had from you,we suspect that there is no valid reason why you should not pay that which you owe but you have chosen not to". Blah we will poke your eyes out with a rusty spoon etc.... 20/02/12

Evening all ! Diary updated above....love the bit where they say "we suspect there is no valid reason why you should not pay that which you owe but have chosen not to".
Hmm,maybe the lack of response from Crapquest to send my cca request and the fact the account is in default maybe something to do with it
Could also be that it will be sb in about 2 months or so
Continue to ignore?

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Greetings all ! A sort of update.....as nothing much to update!
Never got my cca from Crapquest,heard nothing more from Advantis credit.
It all went wrong when I returned from Bali and that was mid May 2006.I contacted all creditors straight away and all were unsympathetic.That is the last contact i have had with any of them.
I think that puts me pretty much into SB territory now so off to Bali tomorrow to relax and try and get over my regrets at not being able to convince them six years ago to help me .
Interestingly,my email inbox over the past few weeks has been full of personal emails offering debt reductions,bank charge refunds,ppi refunds blah....wonder if that is because SB looms? Also just started getting txt messages from a lovely company called "Roxburghe"....aka HFO diservices .
So,unless I have any ccj's that I don't know about( will maybe check sometime down the line),think happy days are here !!

[Never-In-Doubt]

Re: Thatnamestaken / UE Diary

Greetings all ! A sort of update.....as nothing much to update!
Never got my cca from Crapquest,heard nothing more from Advantis credit.
It all went wrong when I returned from Bali and that was mid May 2006.I contacted all creditors straight away and all were unsympathetic.That is the last contact i have had with any of them.
I think that puts me pretty much into SB territory now so off to Bali tomorrow to relax and try and get over my regrets at not being able to convince them six years ago to help me .
Interestingly,my email inbox over the past few weeks has been full of personal emails offering debt reductions,bank charge refunds,ppi refunds blah....wonder if that is because SB looms? Also just started getting txt messages from a lovely company called "Roxburghe"....aka HFO diservices .
So,unless I have any ccj's that I don't know about( will maybe check sometime down the line),think happy days are here !!

Nice one but don't get complacent, give it an extra month at the end of when you think it's SB - just to be extra sure but otherwise well done

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Hi Niddy and all...just back from the wilds of Java and catching up on events.
Sound advice as always,will not be getting complacent after getting this far ! Will continue to lay low for a while yet then later down the line will update my current address with my bank and wait for the letters to start arriving !!

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Hi Niddy and all,it has been a year since I updated my diary so thought I would do it now rather than my usual forum browsing !
Have not heard boo from anyone despite having cautiously registering my current address with the bank six months ago....but not the electoral roll yet ! It is now a year since all of my debts went SB and looking through old paperwork from a previous address,the last letter was from June 2011 for a credit card debt from a high street bank.
I am also in the process of setting up a ltd company with a friend and all seems well there,believe I was probably credit checked when we set up the business account.
However,I would like to see for myself just what info is on my credit reports,mainly to see if I have any ccj's that may reappear in the future.Have been looking at an online company called "checkmyfile" which gives full report on the three agencies and apparently will not leave any footprint if I search.....has anybody used this company and is it safe to do so....don't want any flags going up even now !!!
Thanks all !!

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Evening all !
Have now obtained all three of my credit reports through "check my file" online and happy to report that all three are squeaky clean...have to say,I am pleasantly surprised !! The only negative to be seen is that I am not on the electoral roll.
A few years ago,before I discovered AAD,my credit report was probably so scarey that I would never have dared ask to see it....I just hope that this demonstrates that patience and an understanding of how things work and a following of advice given so generously on AAD by so many knowledgeable people can sometimes work wonders....and lead to a good nights sleep,no more fear of the postman and getting a life back!! A big thank you to Niddy and co.....

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Greetings all !
Having signed up for the electoral roll in July,which has not appeared on my credit agency reports yet,the first letter from a scumbag arrived last week which I binned.The second one from them arrived today....they are keen !
It is from Red,aka Lowells,with lots of pretty red and pink boxes and lines on it !
It is basically overdue account,taking steps to retrieve your payment etc and concerns a crap one account from 2002.
This went sb well over a year ago so nothing they can do other than send letters but....should I just ignore or send a one liner back advising them to file it in the drawer marked lemons?
If they are taking steps to retrieve payment,they have a long walk ahead of them !!

[Deepie]

Re: Thatnamestaken / UE Diary

Greetings all !
Having signed up for the electoral roll in July,which has not appeared on my credit agency reports yet,the first letter from a scumbag arrived last week which I binned.The second one from them arrived today....they are keen !
It is from Red,aka Lowells,with lots of pretty red and pink boxes and lines on it !
It is basically overdue account,taking steps to retrieve your payment etc and concerns a crap one account from 2002.
This went sb well over a year ago so nothing they can do other than send letters but....should I just ignore or send a one liner back advising them to file it in the drawer marked lemons?
If they are taking steps to retrieve payment,they have a long walk ahead of them !!

You could send this....but remove the first line -----> Final Response - Statute Barred

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Thank you Deepie,will do !!

[thatnamestaken]

Re: Thatnamestaken / UE Diary

Greetings all !
Had a letter pop through the door today from a bunch of scrotes that I had not heard of or from before....Empingham....with their jolly jingle of "resolution and negotiation" !! Apparently,Aktiv Kapital have been digging around in the lemons box and passed it onto them.Very nice letter it is as well,all neat and tidy and printed on nice shiney paper,not your usual bog standard,erm,bog roll material !!
They refer to an old debt that went sb a year and a half ago and like all the others,does not show up on my credit reports.
Do I just ignore or is it worth sending an sb template....
Thanks all !!

[Pixie]

Re: Thatnamestaken / UE Diary

I would just send them a one-liner telling them it's SB. If they don't agree then send Final response: Statute Barred template.