I also have another a few questions relating to another debt with Capquest! Shall I post on here or start a new thread? I feel cheeky for asking but am so grateful for your help, this ones not at claim stage yet just a letter threatening court action.

Its for a old Next account

Hi,

I have received a letter from Capquest for a Next debt saying if i do not contact them within 14 days they will consider commencing court proceedings. What should I do? Should I respond?

Any help here much appreciated.

tell us the history please

when did you last pay next?

when did you take the card out?

I took the account out in 2007 and stopped making payments in 2009 when I became unemployed and could no longer afford to pay the account.

Then it should be statute barred by now...so ignore and file away.

Andy

Do capquest use any other names?

I made payments to some debt collectors and tried to set up some payment plans a few years ago when debts were mounting up, but can't recall making any payments to capquest.

Just worried if I made a payment to one of there linked companies it might not be statute barred.

let them tell you that.

have you moved since you took the card out

and to-date have not informed them or next?

Yeah I have moved quite a few times I have never informed them or next but seem to get the letters through after a while I haven't heard anything about this next account in a while and I've lived at my current address about 2 years.

you need to protect yourself from backdoor CCJ's filed to old addresses.

send them and anyone else with like debts you've left years

even if they are SB'd a CCA request.

doesn't matter if they reply as such.

but that'll inform them legally of your correct address

so no backdoor CCJ's.

Ok will get onto that. So do I need to send Capquest a CCA? As they must have my correct address?

yes but legally YOU have not informed them nor the OC of it.

legally they can file to the address you took any credit out at.