Cap Quest??

jonm18 · 6th March 2010, 20:18

Hiya Everyone

Sorry to make your aquaintance under such circumstances

but Im really hoping someone can help me.

A few weeks back I recieved 2 letters from the above company. The letters said that they were pursuing a debt owed to my old bank. Having read a lot about them and also about the situation I am in, I thought I had discovered that the debt was statued barred. As a result of this, I sent them 2 generic letters that I got off of the national debt helpline site, stating that the debt was statute barred autolinker.com autolinking image

. I expected to recieve a reply telling me that that would be the end of the matter.

However today I have recieved a letter telling me that the debt is not barred because they claim that I made a payment to it in October 2005. I am 99.9% sure that I never made any payment to the debt at that time or any time since then.

They are now demanding full payment and my fiancee autolinker.com autolinking image

is at her wits end as we dont have anything like the kind of money they are after.

Now I know enough not to phone the company but I do not know how to proceed.

I would really appreciate any help/advice that anyone is able to offer. Thanks in advance for any help

IdaInFife · 6th March 2010, 22:28

Hiya and welcome to CAG autolinker.com autolinking image

,

You need to ask them to clarify how this payment was received.

It has been known for payments like these to appears on statute barred autolinker.com autolinking image

accounts

Dear xxxxx.

Thank you for your letter dated xx/xx/xx.

I have checked all my financial records and cannot locate any payment made to capquest or xxxxxxxx on or around October 2005 regarding the alleged debt.

Please can you forward me the following details:

What date the alleged payment was received?

How the payment was received?

Also can you confirm any name , bank account number, sort code, Post office associated with the alleged payment?

The total amount of the alleged payment?

Any any other details that could identify the source of the alleged payment?

I look forward to your detailed response.

lets see how quicky they answer that

Ida x

IdaInFife · 6th March 2010, 22:28

remember to send recorded delivery and DO NOT speak to them on the phone

jonm18 · 12th March 2010, 10:27

Just wanted to say thank you for your reply

I will let you all know when I hear back from them.

6th March 2010, 20:18	#1 (permalink)
jonm18 Basic Account Holder Help the CAG!! Download our toolbar Protect your signature with SignGuard Cagger since : Mar 2010 Posts: 2	Cap Quest?? Hiya Everyone Sorry to make your aquaintance under such circumstances but Im really hoping someone can help me. A few weeks back I recieved 2 letters from the above company. The letters said that they were pursuing a debt owed to my old bank. Having read a lot about them and also about the situation I am in, I thought I had discovered that the debt was statued barred. As a result of this, I sent them 2 generic letters that I got off of the national debt helpline site, stating that the debt was statute barred. I expected to recieve a reply telling me that that would be the end of the matter. However today I have recieved a letter telling me that the debt is not barred because they claim that I made a payment to it in October 2005. I am 99.9% sure that I never made any payment to the debt at that time or any time since then. They are now demanding full payment and my fiancee is at her wits end as we dont have anything like the kind of money they are after. Now I know enough not to phone the company but I do not know how to proceed. I would really appreciate any help/advice that anyone is able to offer. Thanks in advance for any help Last edited by jonm18; 6th March 2010 at 22:10.

6th March 2010, 22:28	#2 (permalink)
IdaInFife Site Team Give yourself a better chance with our claims guides and litigation kits Cagger since : Jan 2007 I am in: Fife Posts: 6,092	Re: Cap Quest?? Hiya and welcome to CAG, You need to ask them to clarify how this payment was received. It has been known for payments like these to appears on statute barred accounts Dear xxxxx. Thank you for your letter dated xx/xx/xx. I have checked all my financial records and cannot locate any payment made to capquest or xxxxxxxx on or around October 2005 regarding the alleged debt. Please can you forward me the following details: What date the alleged payment was received? How the payment was received? Also can you confirm any name , bank account number, sort code, Post office associated with the alleged payment? The total amount of the alleged payment? Any any other details that could identify the source of the alleged payment? I look forward to your detailed response. lets see how quicky they answer that Ida x __________________ CAG depends on donations. Please consider making a donation - however big or small. You can also help CAG by downloading and using CAG'S FREE TOOLBAR: Please read: http://www.consumeractiongroup.co.uk...hp?f=191&a=182 Any opinions are without prejudice & without liability. http://www.consumeractiongroup.co.uk...i-dummies.html

6th March 2010, 22:28	#3 (permalink)
IdaInFife Site Team Worried about companies stealing your signature? Use our new digital signature service Cagger since : Jan 2007 I am in: Fife Posts: 6,092	Re: Cap Quest?? remember to send recorded delivery and DO NOT speak to them on the phone __________________ CAG depends on donations. Please consider making a donation - however big or small. You can also help CAG by downloading and using CAG'S FREE TOOLBAR: Please read: http://www.consumeractiongroup.co.uk...hp?f=191&a=182 Any opinions are without prejudice & without liability. http://www.consumeractiongroup.co.uk...i-dummies.html

12th March 2010, 10:27	#4 (permalink)
jonm18 Basic Account Holder Help the CAG!! Download our toolbar Protect your signature with SignGuard Cagger since : Mar 2010 Posts: 2	Re: Cap Quest?? Just wanted to say thank you for your reply I will let you all know when I hear back from them.