I would not worry as from what you say the debt is statute barred - however even if it were not - quite often consumer credit act formalities were never properly completed by the banks hence why they wrote off or sold on these debts, Capquest do not have any legal powers unless or until they obtain a CCJ however from past experience they won't - instead they rely on [EDIT] harrassment to extort monies from those who mistakenly fear them. Report their phone calls and letters to the OFT who i hear are currently compiling a list of 100's of cases to prosecute Capquest [EDIT] and/or their collegues at "Scotcall" [EDIT].