2 old debts have been passed to this company for chasing. They telephoned me regarding this matter and were very rude and unhelpful. I explained to them that i would only deal with them in writing and that i would make an offer of payment to them once they sent me written proof. This never materialised and the calls kept coming. In anger at the constant harrassment my partner told them that i didn't live there anymore.
Today whilst getting into my car my elderly next door neighbour said that she had a phone call from a company asking whether i live next door as they had something to send me and just wanted to know before they sent it - thought this was very odd and the more i have thought about it the more i wondered if this is legal. I then telephoned my mum and she said that she had had a call of the same nature asking for my current address!
Any geniune advice would be great x
2007-03-22 10:03:21 · 11 answers · asked by Anonymous in Business & Finance ➔ Credit
Think they may have my mums number as was living there when i got into the debt. My mum did question how they had got her number and they said 'obtained it from electrol role' - which is obviously a lie.
Presume they just called directory enquiries for neighbours number!
2007-03-22 10:11:57 · update #1
I can't tell you how important it is to report these CapQuest people to The Office of Fair Trading. I know for a fact that they are being watched by that office and that their tactics are totally at odds with their license. Several people I know have had trouble with them. I think you would be advised to ring an online solicitor, I believe there are certain rules that apply before people like this can harrass you, first they have to prove you owe that particular amount.
2007-03-22 10:28:32 · answer #1 · answered by Raffaella 1 · 0⤊ 0⤋
1
2017-01-21 04:35:45 · answer #2 · answered by kenneth 4 · 0⤊ 0⤋
Don't deal with CapQuest as all they want is the money, deal only with Vodafone and get it sorted out through them as they are the ones you have the contract with. If you cancelled the contract you will have to pay the remaining months of the contract and any outstanding bill, whether it be to vodafone or CapQuest but if you read the small details on your contract there is usually a section about how you can walk away from the contract. Google it and you should find information. If you do not pay for it the debt collectors will keep at you for payments and it is a bad credit on your credit file. Good luck
2016-03-18 05:36:14 · answer #3 · answered by ? 4 · 0⤊ 0⤋
They are allowed to contact your parents address if during the time you owed them money you lived there, used that address/phone no as a contact. Its a valid way of tracing you. Its not illegal to try and trace you through your neighbour as long as they dont reveal that you have a debt, that would be a breach of data protection.
They should send you written confirmation of the debt, and give you opportunity to make an offer of installments/payment.
They can call you between 9am and 8pm any day except Christmas Day. If they call more than a couple of times a week after you have spokent to them and asked for proof it can be considered as harrassment and you can threaten/actually report them to the Financial Services Authority (the people who licence money collectors/lenders).
Its a good idea to keep a diary of phone calls and get their name if poss. This could be used to prove harassment.
They will probably want to know your income and expenditure if you want to pay by installments, to check that you are making what they deem to be a high enough payment. This is normal too and its in order for them to refuse an offer if you dont provide it. If you have a continuing problem with this, get the cab to help you with the negotiating.
2007-03-22 10:14:07 · answer #4 · answered by jeanimus 7 · 0⤊ 0⤋
I'm having problems with this company too. They are constantly phoning me, demanding money for an outstanding debt. I went away for a week, and when I got home, there were loads of messages from them, asking me to ring them. I've repeatedly asked them for written details of what I owe, but they won't send me anything in writing. I'm still battling to get somewhere with them.
2007-03-22 10:28:49 · answer #5 · answered by borogirl 7 · 0⤊ 0⤋
Yes, what they are doing is illegal. You are right in asking for this in writing. This is called harrassment and you need to write to the company requesting that they stop calling you and make sure you keep a paper trail and document everytime they call someone in regards to your bills. In fact, it is not a good thing when they call your neighbor, because the issue of privacy has been jeopordized.
2007-03-22 10:10:22 · answer #6 · answered by Jen 4 · 0⤊ 0⤋
I have had little experience with debt collectors, but when I do, I am vicious. I give them specific instructions as to what they may or may not do, limiting them to the minimum activities permitted by law, and will not hesitate to bring civil or criminal prosecution against any transgression. In particular, I prohibit any sort of telephone communication.
2007-03-22 10:13:49 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Capquest Harassment
2016-10-18 02:15:16 · answer #8 · answered by zary 4 · 0⤊ 0⤋
If you are in the UK, the laws on debt collection are different. You can contact one of the free credit counselling services throughout the UK to find out more information on your rights as well as ways to handle it.
2007-03-22 10:15:13 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Thats disgusting and cant be legal. Ho did they get your mothers phone number let alone your neighbours. Phone the offices of fair trading ( I think thats what it is called) and seek their advice.
2007-03-22 10:08:03 · answer #10 · answered by gingajen 3 · 0⤊ 0⤋