Had letter from debt collector.....

by Pete012 Wed May 25, 2022 3:13 pm

Hi all,

I just had a letter from CAPQUEST debt collector.

They say that the management of my account has been transferred to NCO EUROPE LTD on behalf of them.

I originally had an account with VANQUIS BANK in 2010 (date of original agreement with Vanquis).
Because I did not pay my "debt" at the time (for various reasons) to Vanquis, CAPQUEST became the debt collector.

My original loan was about £200----in the letter I received today from CAPQUEST, the amount they say I "owe" is £857-24!

Now, I haven't heard anything from Capquest for years.

Note that my original account was in 2010---12 years ago!.

I certainly do not owe Capquest OR NCO Europe money, as I did not have any contract with them.

If anyone can tell me whether or not to ignore this letter---or to write to Capquest and start the three letter process (if it still applies).

Many thanks,
Pete

by **daveiron** Wed May 25, 2022 4:19 pm

Capquest are debt collectors & NCO appear to be also.
Who owns the alleged debt?
Have you made any payments or acknowledged the debt in the last 6 years
(5 in Scotland) ?
Is the alleged debt still with vanquis ?

by Pete012 Thu May 26, 2022 4:43 am

daveiron wrote:Capquest are debt collectors & NCO appear to be also.
Who owns the alleged debt?
Have you made any payments or acknowledged the debt in the last 6 years
(5 in Scotland) ?
Is the alleged debt still with vanquis ?

Well, the debt was bought by Capquest in the beginning (around 2010 /2011 time if I remember).
I did the three letter process at the time--and Capquest could not provide the documentation asked for. In the end, they just gave up.

I haven't made any payments to anyone since around 2011 and I have not acknowledged any debt to anyone at any time.

In the letter I got today from Capquest, they just informed me that management of my account is now with NCO Europe Ltd (who I have never heard of).
It states "The balance of your account still owed to Capquest. The details of your account as follows"
Underneath it says "balance owed to Capquest (with payments to be made to NCR Europe Ltd). Balance outstanding on 19th 5th 2022 £857.24"
"sold by Vanquis"
Original agreement 16th Nov 2010"

Original debt was about £200 if I remember correctly.

The alleged debt is not with Vanquis any more, as Capquest bought it from them many years ago.
Capquest have now transferred it to NCO Europe Ltd, therefore I assume NCO Europe Ltd have bought it from Capquest and are trying their luck.

by **daveiron** Thu May 26, 2022 6:52 am

Ok, start with this ;
https://goodf.forumotion.com/t5263-the-new-goodf-approach-please-read-this-first, all the links you need are at the bottom of the thread.

Then this ;
https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only.

As NCO are likely to contacting you soon ,you can if you wish send them ;
https://goodf.forumotion.com/t5505-solicitors-debt-collectors

Its important you comprehend the notice as just copy & paste is what
has made the old 3 letters ineffective.

It would also be a good idea to send a DSAR to Vanquis

by Pete012 Thu May 26, 2022 1:03 pm

daveiron wrote:Ok, start with this ;
https://goodf.forumotion.com/t5263-the-new-goodf-approach-please-read-this-first, all the links you need are at the bottom of the thread.

Then this ;
https://goodf.forumotion.com/t4987-notice-of-conditional-acceptance-for-debt-purchasers-only.

As NCO are likely to contacting you soon ,you can if you wish send them ;
https://goodf.forumotion.com/t5505-solicitors-debt-collectors

Its important you comprehend the notice as just copy & paste is what
has made the old 3 letters ineffective.

It would also be a good idea to send a DSAR to Vanquis

Thanks Daveiron.

So you don't think I should just ignore them completely---despite the fact that I have had nothing from any of them for 8 yrs or more--until now....well over the 6 yr statute bar.

Capquest were the original purchasers of the debt from Vanquis---so they are the purchasers or the debt collectors?....and what Capquest say in their letter to me is that NCO Europe Ltd have taken over management of said debt.....So does that make NCO Europe another debt collector or a purchaser?.

I have not contacted any of them an any way at any time in the last 8 or so yrs.

I don't really want to contact the original creditor, Vanquis, as that may stir up the hornets nest again----and, as explained, they sold the debt to Capquest many years ago.

Sorry to be a pest, but I just need to get the details right.

Thanks
Pete

by **daveiron** Thu May 26, 2022 1:18 pm

Always read things very carefully ,if they have said they are managing
to account ,then they are nothing more that collectors.

If you are confident there has been on contact for over 6 years it should
be statute barred.
If you read the notice of conditional acceptance for purchasers this is
the first thing to be asked,in your case it may be all you need to send.

First and foremost, is this claim legally enforceable? You must clearly answer "yes" or "no"?
1) If "yes" you are obligated by law to provide those financial instruments that are lawfully required for you to evidence your claim to an alleged debt.
2) If "no" you have no further lawful right whatsoever in pursuing this claim and I respectfully ask you to end your harassment (your letters are harassment when a claim is not legally enforceable

Feel free to ask us as many questions as you like. all we want in return is
feedback so we can make improvements to the process .

by Pete012 Thu May 26, 2022 5:55 pm

daveiron wrote:Always read things very carefully ,if they have said they are managing
to account ,then they are nothing more that collectors.

If you are confident there has been on contact for over 6 years it should
be statute barred.
If you read the notice of conditional acceptance for purchasers this is
the first thing to be asked,in your case it may be all you need to send.

First and foremost, is this claim legally enforceable? You must clearly answer "yes" or "no"?
1) If "yes" you are obligated by law to provide those financial instruments that are lawfully required for you to evidence your claim to an alleged debt.
2) If "no" you have no further lawful right whatsoever in pursuing this claim and I respectfully ask you to end your harassment (your letters are harassment when a claim is not legally enforceable

Feel free to ask us as many questions as you like. all we want in return is
feedback so we can make improvements to the process .

Thanks Daveiron,

I will ignore them.
I have never heard of them and I certainly have not heard from anyone to do with the account for many years.

https://www.ncoeurope.com

Above is the website of the ones now "managing" my account...... see what you think they are.

Pete

by **daveiron** Thu May 26, 2022 6:29 pm

I looked at them yesterday, collectors only.

Its up to you ,personally i would send them this;
https://goodf.forumotion.com/t5505-solicitors-debt-collectors

Remember everything is contract ,they are your terms.
They will not comply, If they send anything non compliant return it thus;
and after 3-4 attempts they will return it to Capquest.

https://thepeopleslawyeruk.com/wp-content/uploads/Sample-RETURN-TO-SENDER.pdf

by **Mrblue2015** Fri May 27, 2022 5:26 pm

Just follow the process. A lot of time and effort was put into making the templates and advice as simple as possible to follow. But it’s not ‘simple’ to follow if you don’t read the advice in the links and digest the advice.

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