Resolved Question
CAPQUEST DEBT COLLECTORS?
Just incase anybody has had this crap sent through the post which I susspect will happen sooner or later. Got a letter off these jokers saying I had to pay them £388.96 due to them buying the debt off HsBc (retail) but with the court costs and solicitors fees came to £468.73.
Ok now I did have a bank account with HSBC (yes thats all in capitals, unlike what they had typed) many years ago but as far as I was aware had a 0 balance as it had'nt been used in over 10 years. The debt was supposed to be from an account set up in 1999. I went to the bank and spoke to the manager, and guess what? everything was ok. I had nothing in the account, I owed them nothing and was told to forget it.
I contacted the police about it mainly to make them aware of it as I know elderly people would probably fall for this. There website is up and running, the telephone are working and its obviously a real companny but everything about it suggests fraud!!!!. Even the letters are done in away as to frighten people into paying over the phone straight away or by card etc as not to incur further daily charges.
Anyway that was that untill 1 week later anothr letter arrived. I phoned the company up at this point letting them know what I thought of them and that I had checked with the bank and informed the police. They said I had to write a letter of complaint and they would put the account on hold for 2 weeks untill it was sorted out.
2 days later another letter arrives. This time they say they would rather me pay the debt off and as an incentive very kindly set up a direct debit so I can pay it off in small amounts and for each payment they would credit my account to the value of 30% of the payment. ie I pay £50 per whatever and they give me £15. Saving me a total of around £116.73 of which I dont owe them in the first place!
I came upon a forum where it seems a few memebers have had the same problem. Somebody mentioned that after 7 years if you have not recieved anything or replied the debt is Statute Barred and you can become absolved from paying it (thats if you owe it in the first place).
Anybody know if this is true as I am still getting harrassed off this company to pay for somthing which I dont owe them in the first place ?.
Ok now I did have a bank account with HSBC (yes thats all in capitals, unlike what they had typed) many years ago but as far as I was aware had a 0 balance as it had'nt been used in over 10 years. The debt was supposed to be from an account set up in 1999. I went to the bank and spoke to the manager, and guess what? everything was ok. I had nothing in the account, I owed them nothing and was told to forget it.
I contacted the police about it mainly to make them aware of it as I know elderly people would probably fall for this. There website is up and running, the telephone are working and its obviously a real companny but everything about it suggests fraud!!!!. Even the letters are done in away as to frighten people into paying over the phone straight away or by card etc as not to incur further daily charges.
Anyway that was that untill 1 week later anothr letter arrived. I phoned the company up at this point letting them know what I thought of them and that I had checked with the bank and informed the police. They said I had to write a letter of complaint and they would put the account on hold for 2 weeks untill it was sorted out.
2 days later another letter arrives. This time they say they would rather me pay the debt off and as an incentive very kindly set up a direct debit so I can pay it off in small amounts and for each payment they would credit my account to the value of 30% of the payment. ie I pay £50 per whatever and they give me £15. Saving me a total of around £116.73 of which I dont owe them in the first place!
I came upon a forum where it seems a few memebers have had the same problem. Somebody mentioned that after 7 years if you have not recieved anything or replied the debt is Statute Barred and you can become absolved from paying it (thats if you owe it in the first place).
Anybody know if this is true as I am still getting harrassed off this company to pay for somthing which I dont owe them in the first place ?.
Best Answer - Chosen by Voters
I have also had dealings with Capquest before and they are a bunch of *******.
You are correct also that if you have not heard anything regarding a debt for 6 years (no contact at all between you and the company) and the company has made no effort to contact you then the debt should be wiped. I was told this by a gentleman at CCCS (consumer credit councelling service).
Ask for a letter if you can from HSBC confirming that you owe them nothing and that no debt has been sold. Then forward a copy to Capquest.
You are correct also that if you have not heard anything regarding a debt for 6 years (no contact at all between you and the company) and the company has made no effort to contact you then the debt should be wiped. I was told this by a gentleman at CCCS (consumer credit councelling service).
Ask for a letter if you can from HSBC confirming that you owe them nothing and that no debt has been sold. Then forward a copy to Capquest.
67% 2 Votes
There are currently no comments for this question.
Other Answers (2)
- it may be a case of mistaken identity ask them to give u details of the debt and explain all that u have put here, that u have been to the bank what they told u etc and the police.0% 0 Votes
- ask Capquest IN WRITING for verification of the debt. I asked for verification of a debt they say that I owed,and they replied it was CONFIDENTIAL information between them and the supposed debtor so I just ignored them and they have not contacted me since so if they do contact you again, threaten court action and that will do the trick . Do not be bullied by these clowns!!33% 1 Vote
No comments:
Post a Comment