Okay thank you for your help. Do i send the sar to lloyds or capquest?? Cheers

Does it matter if they have my name wrong?? They spelt it right in the middle the have 3 ks then my surname would that make any difference at all? All the debts are seprate but i owe lloys for a loan and overdraft which should drop off my file in dec. So even tho capquest own the cc debt should i still send the sar to lloyds? Coz i dont want them remembering the others thanks again

Hi i have been thinking about the sar i have another 2 old debts with lloyds which i havent contacted them about since dec 2007 they should drop off my file dec this year, i dunno whether to send a sar to lloyds about the debt they have sold to capquest as they might remember the other 2 debts which are about to be sb. What should i do for the best?? Capquest called and txt me yesterday i have no clue were they got my number, should i just speak to them to sort the debt?? As i dont want a ccj on my file, because my file will be okay in dec but if capquest ccj me ill have that on it for another 6 years. Im really worried now cheers

Ahhh thank you. Ermmm im not sure if the amount of the debt changed it was so long ago

Its 2977. Okay ill ignore capquest, whats a sar?? Thanks so much for your help!!

Yee the last payment would have been to lloyds before the dca in 2009 it must of been 2008 i payed lloyds i think

Thats what i checked this morning noodle. It says capquest date taken out was 20005, then default date 2007. But were you drop down the box to see the years there is none all i can see is this year which has nothing on there till now where it says default. Should i send the letter you recomended?? I thought if i ignore them they might go away but im abit worried as these guys seem like they will take me to court. Thanks again

I dont have statements as it was so long ago. There was no ppi on it. What is a cca?

The debt has always been on my file from lloyds it defaulted back in 2007, i was 18 when they gave me the credit card i just went into the bank to pay some money in and they gave me the card, i was okay at first paying it but then back then i lost my job i didnt pay it no more i tried to pay it on a payment plan with a dca i cant remember which one that was in 2009 but i struggled again so i stopped paying i havent payed since. The payment plan never showed on my file it just still defaulted every month s still saying it was llloyds but now capquest have bought the debt it says capquest on my file no more lloyds it just says default sep 2013 i cant see any of the previous years like i could before so does that mean the 6 years has started again then? Should i contact capquest?? Thanks for your help guys!

Hi can anyone please help me, i am new on here i really need some advice. Lloyds tsb sold a cc debt to capquest i have had 2 letters from capquest one saying they bought the debt and the other letter which i got recently says that i still have contacted them (which i havent) and they can check my employment status bank account and credit file to see how im going to pay the debt. Can they do this?? Also i checked my credit file this morning and it says capquest so they have bought it. I really dont know what to do for the best, the debt is from 2007, i had a payment plan in 2009 with another dca but then stopped paying them. This was not on my credit file tho that still said lloyds default 2007. Up untill now it says capquest default sep 2013. And there are no perivous years. Does this mean the 6 years has started again?? Im really stressed out with this if anyone can help id be most grateful cheers.

I have had the same letter on the 26th, i dont know what to do whether to contact them or not. Im sure my debt goes sb in december tho.