NGJ vs CAP1 in Capital One Posted May 26, 2013 Hello folks, It's been a while since I've hung out around here Update on my Cap1 dispute is that I've not heard from them for going on 3 years now. I believe that this debt will be wiped from my credit file, so to speak in about 3 more years. I was after any advice on offering to settle this, and whether I should. (FYI its a good 5 figure sum). I hope to be able to be in a position to get a mortgage next year so its whether I wait until nearer that time, and then settle, or whether I'm better settling asap, if that is advisable. Any advice on suggested settlement figures is appreciated. I presume if I was to contact Cap1 that doesn't cause me no problem? as I said the calls have stopped for a good 3 years now! Merci.