Capquest have Wrong debt and wrong person HELP

[Son121]

Hi
Could someone please help me. I have been hounded by Capquest for a debt that don’t belong to me.

They have added an entry of someone and changed my previous address to an address I lived at 14 years ago on my credit history. I was not aware either that this company had taken the person to court which has now caused me issues as they have a ccj for the person they are after which they have linked to me. I have never heard of the person or never had the person they are after live at my address.

I sent all the proof of who I am and CApquest are not interested instead they say they have proof I am /was this person. I have asked them for proof of how they have got this wrong but having no luck with getting an answer.

I have wrote to capquest again and the FOS about this.

Have i done the Right thing. I was first advised to go court and get it set aside so I did in November only to be told as I’m not the person in question they can’t continue with the case and the judge dismissed the case. The Judge told me to contact the credit agencies and capquest and have them sort this out.

I have contacted all the credit agencies with proof and they have not got back to me.

This has been going on since August last year. I only found out I had issues on my credit report when Next wrote to me to say they are reducing the credit I have with them by half as I had credit issues.


I'm at my wits end and need any other help with this matter and this mistake. Capquest have said they will continue to send me letters and enforce the debt and I should pay them.

please help

thank you

[jaguarsuk]

If the CCJ is not in your name I don't see how it can be registered on your credit file. Very strange.

You could apply for a notice of disassociation to the credit agencies, I had my ex still appearing on my file last year and we split in 2004, she's been removed after I disputed the validity of her being there.

What are Capquest actually saying? Because it sounds like they are saying you have changed your name legally if they say it's you.

[Amethyst]

Have you been in touch with the ICO ?

ICO 0303 123 1113 https://ico.org.uk/concerns/

You've got a complaint in with Capquest and FOS already - so you are doing the right things.

Any clues what the original debt is ? When the account was opened ?

[Son121]

Thank you for you for your reply. Sorry for late response. I didn’t know that someone replied back

I have changed my name from Miss SK to Mrs SG. Capquest are after Miss SS. I sent them my birth certificate, marriage certificate, passports old and new. I checked my credit report and they added the entry of Miss SS and the address she lived at in April 2017 and CCJ in July 2017. No letters for the person they are after have been at my address. I have lived at my current address since sept 2006.

Capquest said I lived at the address in 2010 and was Miss SS. The Very Account in question was opened in 2010.
My marriage certificate shows what address I lived at in 2009 and other documents there after. I have a very account but it’s up to date.

I have checked my bank statements as they said a payment of £50 was made in 2016. No payment made by me or my accounts. I asked them to send me all the proof of what they have and they said as the account is so old they have only a spread sheet. They have two different very account numbers; on the witness statement and the letters they sent in the court bundle don’t match to the screen print out the have which they say is good enough proof.

I have got the FOS involved and I didn’t know to get the ICO involved. Do I tell the ICO now or after the outcome of the of the FOS.

This is is so stressful and I really am not handling this well. Not getting much from the FOS.

Thank you for your replies and sorry for not getting back to you.

[bizzybob]

Deffo report them to ICO with all the evidence that they have been processing your data wrongfully by pinning a debt that isn't yours to your credit record, as the County Court Judge has indicated the debt isn't yours include that in your complaint that your data is being unlawfully processed. As a thought leave the complaint until 19th May after GDPR comes in and the fine that can be imposed on C(r)apquest for breach of GDPR as in wrongful assignment of someone else's debt to you therefore unlawful processing of your data without your consent might make their eyes water and even frighten other bottom feeding DCA's who chance their arm on a mere spreadsheet entry and target the wrong Jones so to speak. The CRAs also need to watch out with GDPR, since when did we consnt to their harvesting and processing of our data?

[jaguarsuk]

Deffo report them to ICO with all the evidence that they have been processing your data wrongfully by pinning a debt that isn't yours to your credit record, as the County Court Judge has indicated the debt isn't yours include that in your complaint that your data is being unlawfully processed. As a thought leave the complaint until 19th May after GDPR comes in and the fine that can be imposed on C(r)apquest for breach of GDPR as in wrongful assignment of someone else's debt to you therefore unlawful processing of your data without your consent might make their eyes water and even frighten other bottom feeding DCA's who chance their arm on a mere spreadsheet entry and target the wrong Jones so to speak. The CRAs also need to watch out with GDPR, since when did we consnt to their harvesting and processing of our data?

25th May is the implementation date of GDPR

When you make an application for credit you give permission for the lender to share the information with CRA's therefore you have consented for them to process your data.

[Son121]

Hello everyone.

Thank you for all your response.
I have had a verdict back from FOS and in my favour. . FOS said they didn’t do the right checks and acted very unfair in processing data. They have asked Capquest to remove the entry off all CRA, to stop harassing me for payment, and pay me compensation. I am sooooo happy but shouldn’t get carried away. just need to wait now as Crapquest might not accept what the FOS have said.

I will definitely contact the ico, this is not on.

Will keep you up dated