Capquest Investments and Drydens Solicitors

[Jennifer_18]

Hiya , New to this but I would like some help.

On the 3rd of may I had a county court claim form for a sum of 4,500 from drydens solicitors on behalf of capquest.

On the 14th of may I defended the whole claim. Within a couple of days I had a letter saying they acknowledge receipt of my defence. A copy is being served to the claimant. They may contact me to resolve any dispute. If they can't they have 28 days after receiving my defence but if the period is elapsed the claim will be stayed.

What should I do now??? Please help. I'm sick with worry!!

[charitynjw]

Re: Capquest Investments and Drydens Solicitors

Hi Jennifer_18, welcome to LB.

Could you post up the particulars of claim?

And also your submitted defence?

Redact any personal identifiers.

Have you any idea what the claim is for? (Eg credit card, overdraft etc.)

[Jennifer_18]

Re: Capquest Investments and Drydens Solicitors

Hiya thank you so much for replying. Yeah sure it was for a mail order/ very.co.uk.

I was unaware of this debt. I checked my credit report it says September 2013. On my defence which probably isn't very good. I just wrote that I was unaware of this debt, no contacts with company regarding the debt and out of the blue a claim form which is unfair as I would of liked proof of this debt.

Thank you

Jen x

[charitynjw]

Re: Capquest Investments and Drydens Solicitors

OK

Could you let us know verbatim the particulars of claim? (Redact any reference no.s etc.)

[Jennifer_18]

Re: Capquest Investments and Drydens Solicitors

Claim Summary
Claimant Capquest Investments Limited
Claim Number D******
Defendant Miss Jennifer ***
Amount Claimed £4,850.94
Court Fee
£185.00
Solicitor Costs
£80.00
Total Amount
£5,115.94
Issue Date 03/05/2017

Is that any help? So sorry

- - - Updated - - -

Only information I have. On my credit report the account was open in 2011. Default date: 2013.

Thank you

[charitynjw]

Re: Capquest Investments and Drydens Solicitors

Claim Summary
Claimant Capquest Investments Limited
Claim Number D******
Defendant Miss Jennifer ***
Amount Claimed £4,850.94
Court Fee
£185.00
Solicitor Costs
£80.00
Total Amount
£5,115.94

Is that verbatim or is it your summation of the PoC?

[Jennifer_18]

Re: Capquest Investments and Drydens Solicitors

That's just a summary on the claim I'm defending part from that I have no other documents or letters regarding this debt.

[warwick65]

Re: Capquest Investments and Drydens Solicitors

Hi Jennifer
Normally the particulars of claim say something like
The defendant entered into an agreement with xxxxx on or about xxxx . The claim was assigned to the claimant on xxxx . The sum of xxxx is claimed.

Do you have wording like that on the form, if so that is what [MENTION=5553]charitynjw[/MENTION] was asking

The reason is that without these particulars it is difficult to offer advice.

Also , apart from entering a defence, have you taken any other action?

[Jennifer_18]

Re: Capquest Investments and Drydens Solicitors

Hi Jennifer
Normally the particulars of claim say something like
The defendant entered into an agreement with xxxxx on or about xxxx . The claim was assigned to the claimant on xxxx . The sum of xxxx is claimed.

Do you have wording like that on the form, if so that is what [MENTION=5553]charitynjw[/MENTION] was asking

The reason is that without these particulars it is difficult to offer advice.

Also , apart from entering a defence, have you taken any other action?

Oh I see very sorry. No I never had anything like that in writing from them. Nothing that I entered into a an agreement. I only had a claim form saying capquest investments are asking over 4,500 and drydens are doing it on their behalf

I haven't taken any action. Should I write to the company asking for proof I owe the debt? xxx

[charitynjw]

Re: Capquest Investments and Drydens Solicitors

On the 3rd of may I had a county court claim form

Was it similar, but obviously with different wording/dates/monetary amounts, to

[warwick65]

Re: Capquest Investments and Drydens Solicitors

Oh CL Finance, I was so close to getting one of them in 2012 after receiving a LBA. At the same time I sent off a S78 request , I did not understand the importance of that. never heard from then again, however it was only for £500

[Jennifer_18]

Re: Capquest Investments and Drydens Solicitors

Was it similar, but obviously with different wording/dates/monetary amounts, to

Oh I see so sorry I'm very stupid when it comes to these things as I've never been in trouble before. Very worried at the moment.

Yes it said same thing on my letter. Failed to make payments and default notice was 2013 September. The claimant wants to claim over 4,500 from me

[Jennifer_18]

Re: Capquest Investments and Drydens Solicitors

Oh CL Finance, I was so close to getting one of them in 2012 after receiving a LBA. At the same time I sent off a S78 request , I did not understand the importance of that. never heard from then again, however it was only for £500

Do you think I should do that? Where can I get a template letter for that please thank you so much for your help

[Kati]

Re: Capquest Investments and Drydens Solicitors

Oh I see so sorry I'm very stupid when it comes to these things as I've never been in trouble before. Very worried at the moment.

Yes it said same thing on my letter. Failed to make payments and default notice was 2013 September. The claimant wants to claim over 4,500 from me

could you maybe email me a pic of the front of the form that I can redact and post up?? It'll make it easier for the Beagles to help xx

[warwick65]

Re: Capquest Investments and Drydens Solicitors

http://legalbeagles.info/forums/show...y-of-Agreement

There is a link for the cca request

It is S77 for a loan and S78 for a credit card or catalogue account.

You say you have put a defence in is that correct?

What date was on the claim form because I think I would be looking at asking the solicitors if you could amend your defence although ai am not sure just how you do it.

You say you have never been in trouble before , this is not 'trouble' i.e the police can not get involved but could you clarify another point for me

In another thread http://legalbeagles.info/forums/show...120#post730120

you say you have a ccj that is about to fall off your credit file which confuses me a little. I am not trying to catch you out, just get the absolute facts so the best advice can be given