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capquest letter please help

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  • capquest letter please help

    please can someone have a look at this wording this is a letter i got from CAPQUEST
    I think this debt is come upto 6 years im not sure as i forgot all about this but they found me at this address were i am now.
    I moved in feb 2006 and must of forgot all about this and now in am real worried as i own my home so dont want a ccj

    how do i find out if it is 6 years

    I have not made any payments to this if i can remember from dec 2005/jan 2006 im not sure

    please can someone give me info on what i should do
    thanks
    i cant up load pc playing up so i will type what it says
    If i ring littlewoods to find out when last payment was made will the 6 years start again

    date 14th december

    debt purchased from lcg (littlewoods)
    account 0000000 ballance £1357.63

    letter of claim under the practice direction-pre action conduct

    you have not responded to our previous letters. your account has been passed through the relevant pre-action validations and checks.
    your account will be passed to our solicitors with instructions to commence legal action on or after 28th dec 11 unless you have reached a satisfactory arrangement with us before then.

    the claim will be issued in the name of capquest investments limited and will be for the unpaid ballance on the above account. we want you to contact us with your proposals for payment by letter quting ref or by telephoning our experienced team of collectors on 00000 to descuss possible repayment options.
    you do not have to pay the full balance immediately to avoid a claim being issued. we will seek to agree an acceptable arrangement for payment over a period of time.
    we will allow you a further 14 days to contact us.
    if you do nothing then a claim will be issued without any further warning to you.
    this will involve expenditure on the court fees and solicitors court costs which we will seek to recover from you.

    through the litigation process we will seek a judgment of the court, directing you to pay the moneies outstanding. if are successful and if necessary to do so we will seek to enforce such judgement by warrant of execution which will result in bailiffs visiting your address.

    we refair you to practice direction-pre action conduct and particulary paragraph 4 whice allows the court to impose sanctions on a party who does not comply with its requirements. we are willing to discuss with you any issues relating to our claim and seek to resolve any dispute through alternative dispute resolution methods. our prefarred method is without prejudice discussions with you or your advisers.
    free advice and assistance can be obtained from organisations

    the letter was posted 2nd class

    like i said i had forgot all about this i did order something from littlewoods a few weeks ago so this is were it may have flagged up.
    Tags: None

  • #2
    Re: capquest letter please help

    Well it all sounds official, but have they sent anything previously ??

    Comment


    • #3
      Re: capquest letter please help

      yes got a letter a couple of months ago saying they had got the debt now got it off another debt place

      Comment


      • #4
        Re: capquest letter please help

        All told I'd be inclined to ignore them, UNLESS you responded to their previous approach.

        They wont simply be starting court action on the 28th and this letter does NOT conform with CPR requirements. The mere fact it was posted second class indicates it's merely an automated Threat-O-Gram..

        So for now, nowt to say to them.
        If they can be bothered to write again then a simple Prove It letter goes a long way and works wonders.

        Comment


        • #5
          Re: capquest letter please help

          Sounds to me like typical Crapquest bullsh!t which they love sending out at this time of the year. A few years ago I received a Stat Demand from them on Christmas Eve. The language used in their covering letter was designed to intimidate me into phoning their threat monkeys. The letter they sent the OP is IMHO designed to do the same.

          Even if they were o take yo to court they would need a CCA which knowing Littlewods is unlikely to be forthcoming. Sit this one out as I believe its a scare tactic for an alleged debt thats more than likely Statute Barred and almost certainly UNENFORCEABLE.

          Await the post Crimbo post and see what they come up with next.

          Their favourite scarey letter used to be the Stat Demand but since having their knuckles well and truly wrapped they seem to have resorted to a new tactic of telling you what hey could do if they were a competent company who knew the law and had all the paperwork needed to take you to court

          Comment


          • #6
            Re: capquest letter please help

            Its just a cleverly worded letter designed to frighten you into making a payment - not worth the paper it's printed on really.
            Report them to the OFT & trading standards if they keep harassing you.

            Comment

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