TTC v Very

[Pixie]

Re: TTC v Very

I wouldn't be bothering about the default dates until the debt becomes SB.

[The Tech Clerk]

Re: TTC v Very

Experian state no marker fom Capquest on their file as yet, so Noddle dispute has been raised as capquest trying to enter new date on their so called purchase of shop direct very account over 1 year later.

Letter to-day from Noddle stating that Capquest state the dispute cannot be amended as per your request. so dispute entry has been unsupressed. any arguments contact Capquest.

so the problem of Default by Shop direct last year shows a date Capquest took over this year = they cannot change the default date?????????????????????/

[The Tech Clerk]

Re: TTC v Very

spoke to Capquest and they are contacting Very for details of dispute and I sent Very E-Mails to me stating that they are sorry about selling in dispute but cannot do anything so contact capquest.

still awaiting response.

[The Tech Clerk]

Re: TTC v Very

well well Capquest have put a default on my CRA for 14 may 2014 regarding Very account, actual default date was 14th March 2013 by shop direct,. query sent to Noddle to inform them.

Experian state no marker fom Capquest on their file as yet, so Noddle dispute has been raised as crapquest trying to enter new date on their so called purchase of shop direct very account over 1 year later.

[The Tech Clerk]

Re: TTC v Very

well capquest written again to contact threm, also teir amount from shop direct does not reflect the last payment to Very account.

send account sold in dispute letter?? as they have not addressesd the charges issue (Very)

as this account was after the 2007 on net cca I will ring them and point out dispute and see if they agree to reduce the alledged charges -= below £750, also point out the payments I made not showing in their figure albeit not a lot but try and agree £15.00 per month maybe???

any advice because if they offer a discount in the end they would want it all at once, unless other know different??

[The Tech Clerk]

Re: TTC v Very

sent E-Mail:=

Sold whilst account in dispute nuummmmmmmmmmmmmm = to them, (Very)

and cannot find the template letter on site????? still awaiting Capquest 2 nd letter etc also AS i Have asked is Ms A. Simms Quality & control Officer still there if anybody knows, the only one we use to get sence & up to-date info from?????

[The Tech Clerk]

Re: TTC v Very

Account sold in dispute, tried to find ready for their next move??

[The Tech Clerk]

Re: TTC v Very

seems it could be credit of default charges with interest then changed their minds.

Latest E-Mail from them;-
Thank you for your email about your account.


Unfortunately, we are not able to answer to your query as your account has been sold to an external collection agency.

Any future correspondence should be sent directly to them at:
CAPQUEST
FLEET 27
RYE CLOSE
FLEET
GU51 2QQ

[The Tech Clerk]

Re: TTC v Very

seems it could be credit of default charges with interest then changed their minds.

[The Tech Clerk]

Re: TTC v Very

This was strange as shows credit to account then 2 days later debit? anybody know anything about the incident, just prior to selling account off?

Obviouly not, see what happens next.

[The Tech Clerk]

Re: TTC v Very

Well copy off internet of in/outs of my account at the same time as possible sell off date, the balance at the end stays the same = see attached, also copy of debt purchaseer letter stating make future payments to us and any old shop direct payments will be forwarded to us. just continue paying???

so why have they sent e-mail to contact them (obviously to try and get you to make up their xmas presents with bigger payments,) of course they may wish to discuss default charges of £200+ off the amount alledged, (never)

This was strange as shows credit to account then 2 days later debit? anybody know anything about the incident, just prior to selling account off?

[The Tech Clerk]

Re: TTC v Very

This account is now formally placed into dispute and you should also consider this letter as a statutory notice under (section 10 of the Data Protection Act) to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with the three (3) Credit Reference Agencies.Should you refuse to comply, you must within 21 days, provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; you must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond then I expect that this means you agree to remove all such data.

Furthermore you should be aware that a creditor is not permitted to take ANYaction against an account whilst it remains in dispute. The farcical way in which I’ve been treated gives a clear basis for dispute and as such the following applies:

* You may not demand any payment on the account, nor am I obliged to offer any payment to you;
* Any payment previously made should be refunded immediately;
* You may not add further interest or any charges to the account;
* You may not pass the account to a third party;
* You may not register any information in respect of the account with any credit reference agency;
* You may not issue a default notice related to the account.


This comes to mind which maybe I should of sent earlier as the account has ben sold, even e-mail stating your complaint will be looked at?


I have been paying in them at least £10 or £5 per month for quite a few months now. For Info

[The Tech Clerk]

Re: TTC v Very

Default charges of about £165 so far from 2012 as I remember and disputed back in 2013 by e-mail in response to an e-mail asking me for all my details and the complaint initially was that a charge for late payment as I quoted to them a payment was received by them a day before an actual pay by date for which they ignored from then on also problems setting up a DD initially as their site had an error,

ok the CCA was opened in 2010 so they may be able to produce one off the net possibly if needed, BUT the Default notice is faulty as regards posting times = de-minimus, anyway hope capquest come back with offers then I can state account in dispute and sold as, but to get things settles eventually an agreed amount minus the defaults etc as a reasonable rate monthly to clear, as the so called court system in this country is being brought into disrepute by certain so called District Judges!

Has anybody been in these cercumstances? suggestions as if I respond immediatly to capquest they may not start offers etc?

also I wonder if a Ms A. Simms Quality & Control Officer is still with them? (Capquest)

[Deepie]

Re: TTC v Very

If it were me .....I'd ignore it ...

[The Tech Clerk]

Re: TTC v Very




3rd June 2014 = E-MAIL\;- Re: TTC v Very

E-Mail received just now stating they are trying to contact me and give a telephone number so they can, or ring xxxxxxxxx :-


We are looking to contact you in regards to a personal matter that has been transferred to Capquest. Please contact our customer service department on 03339997218 - (Your operators standard charges apply), at your earliest convenience. Our call centre is open 8am to 9pm Monday to Thursday, 8am to 7pm Fridays and 9am to 2pm on Saturdays.

Alternatively please reply to this e-mail with a contact number and the best time to call you, and one of our customer service representatives will be in touch.

If you are not: xx xxxx xxxxxxx or if you do not wish to be contacted by e-mail then please reply to this e-mail with “INCORRECT e-mail” or “NO CONSENT TO e-mail” in the subject header.

We look forward to hearing from you.

Regards

Customer Services Department