Thread: Please help me **WON**

Hi i'm new to this forum and am just desperate from some help as everywhere i turn i seem to be fobbed off.
I recently recieved a letter from capquest about an old Halifax debt to totally forgot about. I was taken out in 2000, but have been told that because i have not acknowledge the debt or paid for over years they couldnt take court action.

I recived and Statutory Demand and paniced! I contact cccs who gave me a number for a Community Legal Advise. The lady over the phone helped me fill out a for to set the demand aside. i filled out the form and took to the court, then the lady at Community Legal Advise said she was unable to help me anymore?????? then i stopped getting responses from her via email.

Today i got the form back from the court and the hearing date and time has been filled in??...do i have to attend court on that day???


i dont have the money to pay the debt in full, but is it worth just trying to call capquest and offer installments, as i have no idea what to do in court or what to say and dont want to be made bankrupt that day i go to court if they win!!

Please can someone help me i/ sick with worry and dont want to be made bankrupt, but dont really know where to turn for help or what to do....please help.....

Similar Threads:

• Now At The Point Of Taking Cap One To Court ***WON***WON***WON***
• dave and cath against abbey *13k WON WON WON !!!!*
• Trish76 V Nat West 2nd Account ** WON WON WON **
• Little old me against the big bad bank! *** WON WON WON **
• Salfordric V HSBC (i won i won i won hahaha)

Hello there, welcome to the forums. A few questions if I may....

1) when did you last make a payment against this debt?
2) when did you last acknowledge the debt in writing?
3) are you in mortgaged/rented accomodation?

Hi and thanks for the warm welcome.

I'm sure i have not made a payment since 2001/2002, i got a friend to write and asked them to send me details (as i was told if i acknowledge the debt the 6 year period starts again) but they refused to provide details saying it would break data protection, even thou the letter saying that contains all the details anyway, and my friend asked them to send ME details of the money they 'claimed' was owed.

I have not personally acknowledge the debt in writing or by phone, and i;m in rented accomodation.

Many Thanks

i dont have the money to pay the debt in full, but is it worth just trying to call capquest and offer installments

Definitely NOT,the debt is statute barred. Do not call them

, as i have no idea what to do in court or what to say and dont want to be made bankrupt that day i go to court if they win!!

1.They will not win
2. Even if the SD was granted, it would then cost them money to apply to make you bankrupt, which as you have no assets is not going to happen

On what grounds have you applied to have the SD set-aside?

Hi, i had applied to have it set aside due to the fact there was a dispute and the debt is over 6 years old.
So do i need to attend court on the date shown on the letter i recieved from the court.

Thanks for all your help you have been great!

So do i need to attend court on the date shown on the letter i recieved from the court.

Yes you should. Capquest may attend and if you don't, coul;d have the Sd granted. Chances are they won't and you can ask for wasted costs.

Have a read of this thread:
http://www.consumeractiongroup.co.uk...-credit-5.html

i just wanted to let you know that this morning i have been to court and the judge was very nice. The SD was set aside and the judge did not seem to be impressed with Capquest (thou she didnt say that, it was more head shaking and chin rubbing) she also advised that if capquest write to me again to get someone to write back to them on my behalf.

Thanks to everyone for all your help.

Hi,

yeah the judge awarded me £210.21 costs too!...

you guys are superb....keep up the good work..and if i need any advice in the future i know where to come straight away next time!

Many Thanks again to everyone who gave me advise.

Title changed and moved to success forum.

Well done.

Congratulations!

Really pleased you got them to pay up, spend it on something good!

Remember if they don't pay up you go back to court and ask them to enforce the payment. That means the baillifs will visit them. Boot on other foot time - excellent.