Hi, long time member,

(but been away for a while so name changed a bit, hoping admin can sort old ID out soon) .

A family member has received a nice green letter from Capquest concerning an old MBNA debt for approx £1400.

There is an offer of discount of approx 75%.

Now, family member has said that he doesnt recall last payment but must be well over 6 years by now.

Ive advised that he should get his credit ref file ( I personally hate these organisations, but thats another battle) to see whats on there, just in case it shows anything up.

My instinct is to sit on the letter, the only trouble is, hes living with partner at their parents house.

should they do anything more than ive advised at this stage.

They were going to sent a statute barred letter out,

but we need to know for sure first,

otherwise we could shoot ourselves in the foot.

considering this nice offer,

suggests to me that its a straw clutch and we can expect a couple more letters before we need to do anything further.

thanks for any ideas, ( its kind of good to be back )

Hi,

If they are offering a discount, then there is definitely something wrong, my guess is that there's no paperwork.

Agreed check the CRF first, doubt it'll flag anything up, but a 75% discount is sounding alarm bells here.

Sit on it, check CRF, then either ignore, or fire off the SB letter, depends on whether they want to enter into letter ping pong?

have they moved since taking out the credit

and cabot have simply sent this as a phishing letter to the new address?

PS what was you old username?

hi dx, bazaar

bazaar

if it was welcome back OM

dx

hi ya

i'll get them merged for you to the new password?

ok thanks for that, my e mail changed too, so let me know if i need to do anything more , thanks again dx

yes, theyve moved address, so suspect it is a fishing exercise

then they need to write and inform them of the new address

else cabot will go for a backdoor CCJ

CCA request p'haps

right,

theyve checked credit report,

nothing showing on there at all,

so def a fisher.

on the address side,

family live at old address,

so think that will be covered in case of backdoor tricks.

I always think cca once capquest or any dca put more effort in.

I may be wrong, but it invites them to come and play letter ping pong early in the game.

if there good mail from the other address then

totally ignore yes

always my way no letter tennis

bar a claimform ofcourse!!