Got myself into a bit of a financial mess a few years ago (scammed out of many £'s) and have been letting a debt management agency do the leg work...and stop me from getting too much grief & stress from Capital One. So...been paying my agreed amount each and every month for one of the nice juicy debt that gets sold off to all & sundry. Would appear CapQuest now own it. I had a statement of my account that shows payment was made on the 12 Dec...they chased on the 20th Dec for a 'defaulted payment'. I sent in the letter to be delt with & also phoned my management company to advise them. So today (dated 4th Jan)- get letter of 'pre-litigation' (Court / Baliffs / Seizure of property...usual thing) as aparently I left the payment unresolved. Now I have proof the payment was processed & sent...and it's being followed up by the management company to see if / when it was cashed. I have until the 10th Jan to call Capquest or they start legal proceedings. Has anybody else had them 'lose' a payment & cry 'default' - or just any advice to stop me worrying. I know this is a tactic of intimidation, and reading some of the other experiences with them, it's nothing new. BUT, where do I stand if the payment has not been taken / rejected (although it was the pre arranged amount)...or do I start hiding anything of value! ps. As this is my personal debt, in my name only and paid for only by me as it was incurred before I was married can they even try for a Warrant as the saleable items are 90% jointly 'ours' if not, solely bought by my wife...well, as I ain't got no money left!!! Many thanks in advance.