Thanks for your reply. They haven't got my phone number or correct address yet as I moved last year and I won't give them any phone numbers, as I still remember those threatening calls in the past from debt collectors.

Is there a reason that I don't put a payer on the Postal Order?

I called Liverpool Victoria to discuss my payment due to a change of circumstances and they advised me and also sent me a letter for both debts confirming this. I also had a letter from Capquest confirming but haven't found this yet, I do have another pile of paperwork to go through but I know that I wouldn't have binned it, so it must be somewhere.

Thanks Bazooka Boo, for your input,

after looking at this site I sort of realised why they hadn't been in touch - easy target!

Do I send the letters to Capquest or Capquest and Liverpool Victoria or both?

Sorry Just clicked on the link it's Capquest.

I will post the letters tomorrow and make sure I get proof of posting.

That's great news and made me more determined to sort this matter out.

A quick question, I'm not sure if these debts were in my originally in my single name or married name, the deed of assignment is in my married name but I haven ow reverted back to my single name-I'm assuming legally I should use my maiden name for the CCA's and SAR's?

Thank you BankFodder for the quick reply and I'll get on to this now. So glad I found this site but there is so much to learn.

Hi All

I'm new to the forum and this is my first post.

Today,

I have decided to take action with 2 old Liverpool Victoria debts,

one was a personal loan taken out in the end of 1999 or early 2000 for 10k over 5 years.

This was defaulted on around 2002 and payment arrangements made with Liverpool Victoria, then sold to Capquest July 2009.

I have been paying £12.00 per month by direct debit for years at least since before the debt was sold

Capquest have been adding on large sums of interest and charges, my debt continues to grow.

I believe that I read somewhere on this forum that interest and charges can't be added after the length of the original agreement.

The second was for a LiverPool Victoria Credit Card, same story as above but the debt when sold was £2945.27.

I'm not sure that PPI was claimed for the credit card i know that it wasn't taken out for the loan

- should i send a PPI request to Liverpool Victoria to start with?

I haven't received an annual statement from Capquest since October 2012

and have had no dealings with them since the debt was sold and the direct debit was set up.

They haven't even bothered to ask for an increase

and now I'm inclined to think that's because they don't want to rock the boat.,

I am scared of dealing with them as they added a second default for the same debt to my credit file years ago and despite sending off the evidence off the the Credit companies and the Ombudsman it wasn't removed and my credit file is perfect now.

I now that it's not statue barred as I have been making payments,

surely they can't me to court for a 17 year old debt,

after spending the afternoon reading some threads on here,

i'm beginning to think there is no paperwork to back up these debts

and the loan was agreed over the telephone,

I do remember that.

I'm assuming I CCA request Capquest first

have only been learning information from the site today,

any help and advice would be appreciated on these two debts.

Thanks for reading, i hope it's all clear.