Moving from defence to offence-taking debt collectors to court. Possible?

[convinced123]

After years of being obedient and co-operative, I realised that something is very unfair and very wrong. I had unpaid credit card with HBOS or Halifax, it is hard to be sure of it, after 15 years. It was a very unfortunate time for me. I become a single parent and the full-time care giver to my disable mother. Without going into much of details, I had experience several years of unmanageable poverty all( of the sudden) and I was not able to repay my credit card. I stopped the monthly payments about 2006, but I was holding the bank account with them, I was communicating my honest will to sort it out as soon as my financial situation improve. Improvement was going to happened by taking DWP to court, winning the DLA entitlement for my disable mother and being able to received the carers allowance. Not much, but it was enough. However, having me as their regular account customer (until very now), the bank sold, mis-sold my debt. It was about 1500 pounds. I had no knowledge about the fact, until I received the Capquest Debt Notice, that the account was assign to them in 2008, and I own them nearly 10,000 thousand pounds in 2010. I never question it, never demanded any validation letter, I just started to repay under the duress, the fear and shame. I was paying the instalments until last year. I got very ill, I have cancel direct debit awaiting for my DLA. As to the Covid19, there was no formal notification about my sudden withdrawn of monthly payments. After a year , the Capquest has reacted. The demand to repay outstanding 1917 pounds arrived by post. It was few months ago, I was still very unwell, my carer managing my affairs has replied to them. For the first time, the debt relief has been sought. All the medical evidence, the proof of my benefits and PIP award has been provided for writing off . The answer has arrived 2 weeks ago. The answer was NO, without further explanation. I had repay 4 times the original debt, I found myself in very serious medical condition (mental health issues), unable to work for nearly a year and Capquest have not proposed any kind of relief. And suddenly I decided not to follow their management. Enough. . I have realised I do not know anything about this debt, neither of the Capquest Companies I have been obediently repaying the most unfair amount I have ever faced in my life !!! I started my research and I can not believe in the phenomena of manipulative manner, very well hidden behind other authorised company, the clone- style of the companies call Capquests and my own stupidity. Some of the letters are stating the original creditor as HBOS plc, some points out the Halifax, the oldest one I found is from 2015. According to my findings that time Capquest has not been authorised by FCA, just registered on Company Houses. The quantity of SO-CALLED -CAPQUEST firms all over the places, without provision of evaluate the credibility, the overriding addresses, email address, the inactivity and being active - all sort of mad circle is fur from clarity... Furthermore, the debt has been assigned in 2008, (at least according to 5 letters I found), that is right before the banks crisis, the original creditor is unable to confirm the assignment , as HBOS ceased to exists in 2009... There is no trace of my account, the amount of 5 X debt calculations is more then unfair, if not fraudulent and decided by who???. I am not even thinking of paying the penny more, and I have been refused debt written off based on mental health difficulties. It was the last 5th piece of the debt, the debt that has never been proved as legitimate. The mental health conditions are providing the relief in such cases by FCA regulations. I have been investigating, doing legal research to the best of my capability over last weeks and I doubt the Capquest follows the rules and its legal obligations. The bank activity is also arising my suspicious. It is kind of revelation to me, however I decided to dig as long as takes, until I find the truth and the evidence. Finally, I came across this forum. I am so glad there is a place, where it is normal to admit the unfairness, instead of posting the shocking comments about the helping hands of the Capquest. I was not sure if I am even sane anymore, when I was approaching reviews about the kindness of the customer service and their own business description- comparable with the charity. I am disgusted by dishonesty and the real impact the Capquest have on the most vulnerable. I would be grateful for any advice on the legal grounds allowing to take further actions , against the practice of misleading information, use of the threats , illegal claims the rights to clients money. I am not going to pay them anymore, they robbed me from thousands of pounds (unless 5x debt is the common practice acceptable), they took away my good credit score, the serenity and the dignity over last 10 years, and they claim more. I am not sure how this applies to a non- existing original creditor. However, I believe that Capquest owns me. I have the debt to collect. I am awaiting the comments, advices and honest criticism . Joining the forces would be very welcome. I have read some valuable advices and suggestions on other case with Capquest back in 2014, on this forum. If pt2537 and mystery1 are still here, please contact me. I hope I am not wasting mine and yours time.

[MIKE770]

split up into paragraphs to make it easy reading, it will be ignored in the one paragraph!