CapQuest

[djf]

Hi,

I have CapQuest on my back. They bought a debt which I know is over 6 years old. I wrote and asked for a SAR, which they ignored and sent me a Letter Before Action. I replied to this asking them again for the SAR, a copy of the Credit Agreement (fee £1) and the Assignment Document, all posted by PO reg mail. Since writing they have now replied to my first SAR request demanding £10 for admin charges and Proof of Identity!!! I feel that as they now want my identity all the threatening letters have been verging on Blackmail (see Theft Act 1968. sec 21)

Any advice anyone

[pompeyfaith]

Re: CapQuest

You say this debt is over 6 yrs old, have you paid anything off this debt in the past 6 yrs?

A subject access request has a statutory £10 fee did you send this with the request?
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There is nothing in law that says you need to provide ID, if they are happy writing to you at the address they used that is good enough ID

[debtisbad]

Re: CapQuest

They are tricksters at CapQuest. Make sure your SARS and CCA payments do not activate your 6 year old accountl

[djf]

Re: CapQuest

Thanks, I was pretty sure I was doing right, nice to have support & advice
Thanks guys

[pompeyfaith]

Re: CapQuest

so whats the answers to the above questions?

[Nibbler]

Re: CapQuest

They bought a debt which I know is over 6 years old.

Can you tell us exactly what you mean by that?

Was there ever a period of 6 years or over (5 if you are in Scotland) during which you neither acknowledged the debt formally in writing or made a payment on it?

If so, then the debt would be statute barred and there is little point messing around with SARs/CCAs etc.