Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Parents to face £130.00 fines for driving their children to school under SHOCK new SCHEME
by Svetlana Today at 9:33 pm

» Police PC Numbers
by Phillpots Today at 8:43 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Today at 8:34 pm

» The HMRC Tax Fraud https://www.youtube.com/watch?v=zCBHmK2PW7M
by ceylon Today at 8:09 pm

» Mortgage Securitization - Research In Progress
by Waffle Today at 7:43 pm

» They're Done! Checkmate - We Win! Ken O'Keefe's Solution!
by Society of the Spectacle Today at 7:39 pm

» THE CENSUS, ARE YOU IN THEIR WAREHOUSE? BC, SECURITISATION
by Waffle Today at 7:27 pm

» A good judge at work
by Society of the Spectacle Today at 7:07 pm

» Tonight Andy Young will be standing in for Ade Hardy who is not well and he will be talking with Leigh Ravenscroft fresh from his latest visit to the Royal
by ceylon Today at 6:38 pm

» Judith's Story, More Corruption, Police Collousion, Baliffs Gone Wild & STEALING By Security Guards
by ceylon Today at 6:19 pm

» YOU WILL NOT BELIEVE WHATS GOING ON
by ceylon Today at 6:18 pm

» Colin worrall exposing the corrupt hull councils elections & missing millions
by ceylon Today at 5:51 pm

» judge dismissed my hand written defence statement i disbaled on my own he abused me, i noone to type up
by Whymeok Today at 5:07 pm

» UK Column
by ceylon Today at 4:16 pm

» Liability Order in Respect of Council Tax....
by LionsShare Today at 3:59 pm

» The State of The World
by toolapcblack Today at 2:35 pm

» Hi Annie from YT Annie logical channel
by Society of the Spectacle Today at 1:02 pm

» Court
by Whymeok Today at 12:34 pm

» 24 Storey Tower on Fire in Kensington - dies
by handle Today at 11:24 am

» TO ALL GUESTS VIEWING THIS SITE
by nopcnhushmail Today at 11:13 am

» Troy Mortgage Workshop Nottingham 15 July 2017
by actinglikeabanker Yesterday at 11:50 pm

» Global/world Citizen - Research In Progress
by actinglikeabanker Yesterday at 10:53 pm

» UK people apparently linking Birth cert trust account to paypal
by iamani Yesterday at 5:45 pm

» How to Grow Garlic
by Lopsum Yesterday at 3:19 pm

» How to Build Pallet Couches
by assassin Yesterday at 2:13 pm

» Tid-bits, Nuggets and Pearls
by iamani Yesterday at 1:30 pm

» Lowell Portfolio......CCJ Obtained..!
by catchablackrat Yesterday at 12:42 pm

» Hello and Capquest
by daveiron Yesterday at 5:38 am

» Yes, There Is a Government Troll Training Program https://www.youtube.com/watch?v=x-gX8CGceoE
by ceylon Yesterday at 2:33 am

» Creating Energy-Wind
by assassin Yesterday at 2:26 am

» Residence and Domicile
by Candor Yesterday at 12:20 am

» Yes, There Is a Government Troll Training Program-The Art of Deception
by Phillpots Sat Jul 22, 2017 9:36 pm

» RIP Chester
by Awoken2 Sat Jul 22, 2017 9:27 pm

» UK judge blocks £14bn class action suit against Mastercard
by jss64 Sat Jul 22, 2017 5:38 pm

» The Pre-Action Protocol for Debt Claims is made by the Master of the Rolls as Head of Civil Justice. The Protocol comes into force on 1 October 2017
by Jinxer Sat Jul 22, 2017 5:22 pm

» HOW TO DEAL WITH A POLICE INTERVIEW 1 fixed
by iamani Sat Jul 22, 2017 2:37 pm

» CCA Clarification
by 1215kent Sat Jul 22, 2017 2:08 pm


Hello and Capquest

View previous topic View next topic Go down

Hello and Capquest

Post by archie9 on Sun Jul 02, 2017 3:54 am

Hi. I am an old member of goodf who helped me years ago to get free of debt. Big hello and thank you to Ceylon who I follow on youtube of-course. Bring back Kak and Mak Smile)

Now then...I was all free of debt, having got out of it free and enjoyed myself quite a lot doing it! The other day I received a letter from DCA Capquest who demanded repayment of my student loan. In the contract for a student loan it clearly states that you will not have to pay back anything until you earn £25K per annum. If you reach the age of 50 without achieving that level of income the debt becomes void...like I said , that was in the original contract. I have never made anything like that amount of money and I am now 51. I phoned them and put this to them and they were as a brick wall, claiming that none of that matters, pay up.

I'd appreciate some reassurance from you guys! I'm about to start the three letter process: is there anything different about this as it is for a student loan? Does anyone know of or have any experience of Capquest? Finally, it did say in the instructions that the CEO of whichever DCA should be sent a copy of the 3 letters as well as the main office...do we still have to do that?

Anyway, kinda nice to be back with old friends, but shame I have to be!

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by daveiron on Sun Jul 02, 2017 8:11 am

Read the contract carefully ( i am sure you have already) If what you have said is correct tell them to do one.
A contract cannot be changed unilaterally. It sounds like you enjoyed the process before ,enjoy it again.
It may be a good idea to send to CEO as well although i do not always bother ,I always send to the first person who contacts me & stick to them throughout.

daveiron
Not so newb
Not so newb

Posts : 354
Join date : 2017-01-17

Back to top Go down

Re: Hello and Capquest

Post by petesomething on Sun Jul 02, 2017 9:11 am

Hi archie9

Remember DCA will lie and cheat ,but they have no power and if it went to court they would not win ,
but this will not stop them writing to you hoping you will pay,

they do this if

statute barred

you may of been to court won already

some times they will take it to court hoping you will not show up and win by default

so remember , they lie cheat and have no powers,

petesomething
Admin
Admin

Posts : 195
Join date : 2017-02-24
Location : NORTHAMPTON

Back to top Go down

Re: Hello and Capquest

Post by archie9 on Sun Jul 02, 2017 2:20 pm

Thank you! I don't think I have the contract now, this was years and years ago. They are aggressive, already threatening court: I will launch the first letter tomorrow

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by Jinxer on Sun Jul 02, 2017 2:31 pm

If you could get an original copy of the agreement that would be a big help to you.

Jinxer
Not so newb
Not so newb

Posts : 54
Join date : 2017-06-03

Back to top Go down

They can prove their claim first..

Post by archie9 on Tue Jul 18, 2017 1:14 am

I've scanned their response to letter 1...I hope I am able to post it here:
Attachments
capresponse.jpg You don't have permission to download attachments.(330 Kb) Downloaded 7 times

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by archie9 on Tue Jul 18, 2017 1:15 am

aww crap can't even read it

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

try pdf

Post by archie9 on Tue Jul 18, 2017 1:18 am

Sorry, very sorry for all the faffing
Attachments
capresponse.pdf You don't have permission to download attachments.(331 Kb) Downloaded 6 times

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by archie9 on Tue Jul 18, 2017 1:20 am

I'm sending letter 2 today. I would be interested in any responses. I may be able to find an original student loans agreement online...but hey, let them prove their claim first.

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by daveiron on Tue Jul 18, 2017 12:13 pm

Ok ,so they are only acting as agents, carry on with the letters for DCAs .
Myself i would also turn there letter to you around .All they are saying is they have no legal obligation to supply anything.
You could also tell them that as they are merely third party interlopers you also have no obligation ,legal or otherwise to interact with them .
Things soon get past back when it becomes clear they are wasting their time and money .

daveiron
Not so newb
Not so newb

Posts : 354
Join date : 2017-01-17

Back to top Go down

Second Response

Post by archie9 on Sat Jul 22, 2017 8:17 pm

Out comes the template line!

Just asking them to prove the claim......
Attachments
capresponse2p1.pdf You don't have permission to download attachments.(227 Kb) Downloaded 5 times
capresponse2p2.pdf You don't have permission to download attachments.(375 Kb) Downloaded 6 times

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by daveiron Yesterday at 4:11 am

Dear Capquest

I am in receipt of your letter dated xxxx in which you state "For the avoidance of doubt ,we have not entered into a contract with you and are not bound by your terms" .
This is correct and as such I am under no obligation legally or Lawfully to respond or interact with you in any way,and would therefor suggest you take your own advise before making further presumptions.

I am also aware that the majority of your letter which you have sent to me is a template letter which I have seen many times on the internet.

I will not enter into further correspondence with you as your letters ,whilst they appear to carry a signature do not carry the name of the individual who has signed it and therefor takes liability for its contents.
May I suggest you seek independent legal advise on this issue.

daveiron
Not so newb
Not so newb

Posts : 354
Join date : 2017-01-17

Back to top Go down

Re: Hello and Capquest

Post by archie9 Yesterday at 5:06 am

Fantastic

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by archie9 Yesterday at 5:08 am

That's odd, didn't save all my post..the rest is:
They are going to be sent that!! Cheers, v much appreciated.

archie9
Newb
Newb

Posts : 9
Join date : 2017-07-02

Back to top Go down

Re: Hello and Capquest

Post by daveiron Yesterday at 5:38 am

Have fun.

daveiron
Not so newb
Not so newb

Posts : 354
Join date : 2017-01-17

Back to top Go down

View previous topic View next topic Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum