Capquest and Abbey

[Melbat]

Hi All,
Last week my husband received 2 letters from Capquest claiming they had purchased his account from Abbey,one with a balance of £2310.40 and the other with a balance of £2699.34.

In your case,we appreciate that you will have been contacted by Abbey and by one or more of their appointed agents. However,legally the debt exists and is now payable to CapQuest Investments limited.

For a start this is a lie as we have had no contact from Abbey at all apart from our bank statements(joint account).

Today he received 2 more letters this time from Abbey informing him this so called debt has been sold to Capquest and any further communication should be addressed to them.


The account numbers dont even match our account and it says at the top of the letter that these payments are for account type bank/loan...we have never had any of these from the Abbey.

Any help on what course of action to take would be appreciated.

We would also like to try and reclaim bank charges with Abbey (we bank with them) at some point but are unsure where to start or whether it is worth starting yet.

Mel

[Curlyben]

Re: Capquest and Abbey

Easy enough.
Fire off a simple Prove It when CQ next demand payment from you.
Until then there's nowt to say to them.

Dear Sir/Madam

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I/we look forward to your reply.

Yours faithfully

[Melbat]

Re: Capquest and Abbey

Thanks for the quick reply.Will just wait now to see if the postie delivers any more nice surprises for us.

[Curlyben]

Re: Capquest and Abbey

No worries.
You might get letters from HL Legal making all sorts of threats.
Feel free to ignore them as CQ buys templates in bulk from them to use in their various campaigns..

[Melbat]

Re: Capquest and Abbey

Ah OK,thanks for the info .