Capquest/HL Legal/Scot Recovery/Newman Debt Collection Agencies?

Question

I apparently owe twenty pounds to Diamond for insurance cover, even though I cancelled the policy, paid them what was owed over the phone on my card and this was almost three years ago. I write to each company to explain, but the moment I do, the debt seems to be taken up by another company who then make fresh demands for it. I am not worried in the slightest but it does get really annoying! Are all these firms linked in some way? Are they owned by the same people or run by the same directors? It's just that sometimes, I will receive a letter that seems to be from a solicitor, only to find that the address is the same as one of these collection companies? Is this legal and can it affect my credit rating? Can anyone tell me how this works?

Answer 1

Yes they are all the same company, and i wouldnt let it worry you in the slightest and dont pay them a penny. Tell them to get stuffed and send them the 'prove it' letter. Dont ever give them your phone number and dont sign any letters. Here is a draft:-

Please note that I do not acknowledge any debt to your company.

I now require you to supply me with the following:-

A true copy of any alleged agreement between me and (creditor) . You are obliged to supply a copy of any such agreement under the legislation contained within s.78(1) Consumer Credit Act 1974 (s.77(1) for fixed sum credit).
A detailed statement of account showing a complete list of transactions and charges relating to the alleged debt since inception of the alleged agreement. This includes the term prior to your acquisition of the alleged debt. You are obliged to supply this information under the same legislation noted above.
A signed true copy of any deed of assignment relating to the above alleged agreement. You are notified that you are obliged to supply this document, whether you are the original creditor or not, under s.189 of the Consumer Credit Act.

As you will be aware, any credit agreement, which is not properly documented and signed by the customer, is totally unenforceable under the Consumer Credit Act and is therefore a complete defence to any court claim issued. Any legal action you may contemplate will be vigorously defended and contested.

You have until (date) to comply with the above requirements, failing which you will be in default. Furthermore, if you have failed to respond fully after one month you will have committed an offence and will be reported to Trading Standards and The Financial Services Authority.

Semd it by Recorded Delivery and DONT sign it just computer type your name.

It is highly unlikely that they will have this information, these companies are not law obiding they are simply bullies and they shouldnt be allowed to trade in the way they do. I have had dealings with them and they are a nasty bunch, fortunately i got the upper hand!. Why they are bothering with £20.00 we will never know!

Answer 2

I am currently having problems with CapQuest regarding a Halifax Credit Card. I have obtained an Aministration Order from my local County Court, which prevents them from being able to take me to court. However, when I applied for the Administration Order the debt was still with Halifax. It has subsequently been sold to CapQuest, and as a result they are now trying to claim back the debt. I have given them my Admin Order details, but they say that I have to send in a copy of it to them. This is however, in direct contrast to what I have been told by the County Court. I don't have to do anything to help them out. They are fully entitled to access a copy of the Admin Order, but they are too lazy to, and instead prefer to keep contacting me. Today though, I decided that enough was enough, so I took down their details and said that I would be applying under the Data Protection Act 1984 & 1998 for all communications, including recordings, between themselves and myself. Then I told them that I would be seeing them in court. We'll have to wait and see what happens. As for HL Legal, they are just the law firm that act on behalf of CapQuest, but you wil notice that they ask you to contact CapQuest in all correspondence. I however make sure that ALL parties receive correspondence from me, just for my personal records. It is legal to share the information, so long as it is correct and relevant to do so. You will have to check out the Data Protection Act 1984 & 1998 for more info. It may affect your credit rating if you can't resolve the situation, but if it turns out to be a mistake on their part, legally it has to be corrected. Hope this helps!

Answer 3

i trust if the organization acts as they ought to quite than utilising the bully approaches maximum of them do inclusive of belittling the guy, making threats they could't keep on with through with and calling kin and their paintings position then there is not any issue with it. i grow to be hounded through a credit series organization for a debt I had paid off to a unique series organization. apparently, my case grow to be bought to a unique organization at the same time as the unique organization close it doorways yet they did not furnish data I had paid it off. once i began getting calls again, I defined I had paid it and the guy on the phone grow to be a belligerent a-hollow. It took me some days to music down my monetary company fact exhibiting the price, then I had to pay the monetary company to get a replica of my cleared examine to educate to this all robust d-head collector it grow to be paid. after I faxed over the documents, the calls ended. Did I ever get an apology for his idiotic habit? for sure no longer. i'm particular they were off to torment others.