Hello Caggers Today I had a text message from CQ asking me to call them to "discuss a potential offer". I know better than calling these people.. they used to write to me but I put the letters away as the debt is over 10 years old and they offered a substantial rebate, at one point 70%! Now they start messaging me but doesn't say what it relates to or that they are a debt collection agency ..their message was: " Dear..,please call CapQuest today to discuss a potential offer on 03339997201 quoting ref XXX: Offer Code : Offer1". Should they not saying who/what they are?

I have received a Judgement for Claimant today which orders me to pay £1661.42 by 26th November (today's date). The Judgement is dated 19th November. However, I did not receive any papers or any notification that I would be taken to court to get a CCJ. I have recently moved and as I was unaware of the debt I obviously did not notify them that I have moved. I do have a post redirection in place which is why I have received the judgement today. But surely any documents would have been forwarded by the post redirection. I have never had to deal with anything like this and am at a loss as to what to do! I have checked my credit report and it states that Capquest registered a default on 21/10/2009 and it says account type is bank - but I have had the same bank account (and no others) since approx 2004. says the account started on 02/06/2008 My main questions are; - I do not know what the debt is relating to - how can I find out? - Can I do anything about the CCJ now? If I had received the documents prior to the court date I would certainly have looked into it at that point. - I cannot afford to pay the debt - we are barely keeping our heads above water as it is, is there anything I can do about this? As for more time until I have determined what the debt is for? I feel that I should not be paying for a debt when I do not know where it came from? Any help would be really appreciated - I have been looking at advice given by others for similar problems but am getting lost with all the CCA/SAR abbreviations - I don't know what they mean . Thanks

Fifth one: Creditor - No idea Type of debt - Not a clue DCA - Capquest Formerly FTC Current balance on credit file - £1326 Default balance on credit file - £1211 Default date on credit file - 30/11/2009 Capquest have no record of this, and asked if i lived at a different address. I don't even know what this debt is or for. Any idea on the best course of action for this? Thanks.

CapQuest bought a defaulted Halifax credit card account. The debt is real, but also contains a lot of penalties and late fees. I sent their solicitors, DrydensFairfax, a CCA request. Six days later, they issued a County Court claim. Subsequently they acknowledged the CCA request. "We acknowledge receipt of your letter dated 15 October 2013 [the CCA request] and we note all your comments. "As a result of your letter, we have contacted our client [CapQuest] to clarify the current position and seek their further instructions. We will write to you, further, once they have responded. We confirm that, in the meantime, the matter is on hold. "We trust this resolves any immediate concerns but, if you do have any further queries, please let me know." So they say it's "on hold", but the clock is ticking on the County Court claim that they should never have started in the first place. I have made an acknowledgement of service. I need to put in a defence or they could get judgement in default. Any suggestions?

Hi everyone, I would appreciate some help. I received a threatening letter from Capquest recently which I duly responded with an SAR. My suspicions are with the copy of the CCA that they have sent through. It has all account transactions info from 2007 but there is a "received" stamp on the front that is dated 2004?? the copy does have my signature in the relevant box, albeit very faint, but it has not been dated by me which is something I would not do. It seems to me that there is something fishy with this. can anyone give me advice on how to tackle this or if something similar has happend to you. Many thanks, SJP37

Hi, brandnew to the forum so first post - My partner took out a loan for £4k going back to 2006 and struggled to make the loan repayments and was then pushed into taking an additional £4k by an ex partner!! now i know the debt has to be repaid but the repayment plan that Capquest have set up means it will take her just shy of 40 years to pay back !! the interest has gone out of control and the debt now stands at 12k ! she repayed the loan for over a year at around 150 pounds per month - this does not add up to me and seems unfair that the amount owed is now 12k. is their a way that the interest can be frozen and the debt repaid at an amount that is fair ?(actually pays the debt and not just the interest) any help would be much appreciated

Hi newbie here I have been looking through the forum for some help re: a reconstituted cca Lloyds have sold my credit card acc to Capquest after many years of seeing off various dca's. After sending off a cca and prove it letter to Capquest they have supplied 1) Reconstituted copy of the credit agreement 2) Terms and conditions As i know this account was opened pre 2007 (opened about 1998 if not before) am i right in thinking this agreement i have been sent would still be unenforceable. Can i still dispute this account? with the usual dispute letter ao should i point out that i know the agreement was pre 2007 and that they should supply the original copy fully executed and signed Any adivce would be gratefully appreciated .

From 2008 - June 2013 I have been paying off a debt via a door step collection agency - Original debt Home Shopping Group... ..However, the door step agent had received instruction to cease collecting payment & I would be contacted by 'The Client'. Received letter from Capquest asking for 3 times the amount that was outstanding on my final balance of my Payment cards - contacted Capquest & they sent pages of statement with my payments received on there, BUT also Interest that had been added every week!!! Help please

hi there Long story short Husbands company failed due to fraudulent partner - he was a director so ended up being massively in debt we have slowly worked our way through trying to clear up the mess - we still owe money but both credit files were looking much healthier - until yesterday when I checked his to see a CCJ for £399 from last month - issued by capquest regarding an old company mobile from orange We received no paperwork regarding this - and in August this year I had written to capquest to ask for a full and final hoping to clear it fully They replied that they had no record of it so I contacted Experian to have a notice of correction put against the entry on hubbys credit file which they did and lo and behold now we have a ccj! Typically I cant find the letter they sent me to say they have no record - only the emails to and from Experian asking for a NOC I phoned the court but as it is 6 wks old it cannot be removed although the clerk did say to try to have it removed as it wasn't sent to the correct address I phoned capquest and spoke to a mini hitler who refused to be of any help atall until I paid some of the amount outstanding so where does all that leave us............ Is it worth applying to court to try and get ccj removed? It will be paid in a couple of months so then should read satisfied but that wont be of any help to us when we try to find a mortgage will it? Have I a leg to stand on as they it sent to wrong address ? sorry if this is all a bit muddled but Im in shock - all the hard work done to clear up our credit files seems to have been for nothing!!

hi there everyone, i received a letter from capquest approx 2 weeks ago instructing me of ccj action i wrote back asking for a copy of my credit agreement for this debt. i opened the account in approx 2003/2004 and the last payment on the account was approx 2009/2010. they sent me a copy of the agreement. .. but unsigned. ...it has my name printed at top with address and account number, they sent me 2 copies of these... both unsigned and no date i have checked my credit reference agency file and it doesnt appear on there either just wondered if someone could advise me on the next step to take i have apparently till the 22nd september as they are putting account on hold till then or so they have instructed me so need to take whatever course of action tomorrow, latest saturday morning help lol

Received a letter today from capquest with a statutory demand under section 268(1)(a) of the insolvency act 1986 attatched to it. can they make me bankrupt for owing the sum of £835.35 Any advice appreciated (quickly, as i wont sleep tonight) Thanks

ello, I had a debt with HBOS which despite several requests for a correct CCA they never delivered as they could not supply me with a CCA I refused to pay. I have not heard anything for 18 months then despite having moved three times IND delivered a demand to an address where I have recently moved. I dont know how they got the address as it is not my house so a few questions if anyone can help....... 1) Will my credit affect this household if IND know im here? 2) Any advice on the letters they sent below: Kind Regards Exasp Ind Letters.pdf

Hi everyone My Brother received County Court summons from county court bulk centre from Northampton today..dated 1/10/13 for the amount of 499.99 plus 30 court fee and 50 solicitors fees .total £579.99, it is in reference to a Vodafone contract. He is really worried and doesnt want a CCJ. He doesnt know from how long ago this is from, on the summons it says that capquest were assigned the debt on the 23 Aug 10. He says he cant remember taking out a vodafone contract? Please can anyone help with what to do? Thanks

Hi, Hope someone can help. I received a county court claim form dated 27th of june in relation to a £250 debt which I assume is to do with an old orange contract dated 2009 as the only other orange contract I have is up to date, the contract it's self was a 30 day rolling contract which was cancelled in 2009 by me but I don't remember ever owing anything on it, in may 2013 I received an unexpected letter from capquest stating I owed £250 and that they where acting on behalf of orange, it also stated that 30 day to respond or they where going to start court proceedings which I was really shocked as I have never had any dealing with capquest verbally or written and have received no letters from orange since 2009 when I cancelled the 30 days contract, I have moved 3 times since 09 so they could have written to my old address. Being suspicious of debt I wrote to capquest in may after receiving the first letter to ask them for more details to see how this debt occurred and what it was for, I also requested copy of the contact this debt relates to see if I was actually liable for this amount before I agreed to paid anything and proof that they where indeed acting on behalf of orange and not trying to [problem] me, as of now I have yet to receive a response from them. I don't know where to go from here as the court letter is asking me if I accept or disagree with the claim with the claim, I have the money and I am willing pay the debt and court costs just so long as I know I am actually liable for the debt and I am equally willing to defend myself if I am not, the only problem is I don't know how this debt occurred and capquest won't tell me and orange refuse to speak to me (even though my current contract is orange)

Hi, my girlfriend has received a letter from capquest about her outstanding debt to orange for a mobile contract. This bill is for calls she made whilst on holiday in the carribean. She owes £2000 !!!!! This was in 2009 the account was defaulted july 2009. It got passed to debt collection and it started with the usual threats. Then a debt collection agency threatened her with bankruptcy. She received a statutory demand. I did not know about this site got no advice and we ignored it. Some time later she got a letter saying the debt had been passed to capquest. ALL OF THIS HAPPENED IN 2011. She has received letters from capquest just with the usual threats. She has now received one saying she has to make contact immediately or the debt will be passed to ZINC to arrange collection. We was hoping to wait untill it becomes statute barred but thats 2 years away. What should we do? What are ZINC likely to do I have seen on here that they seem nasty peices of work.

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.

Hello I have received a letter from capquest stating that they are taking me to court over a credit card debt which they bought from lloyds tsb. I am pretty sure that this debt is over 6 years old and I have in the past requested a copy of the original contract which has never been supplied. They are quoting something called "letter of cliam under the Practice Direction - Pre Action Conduct. I was wondering if anyone has any experience of this type of action Many Thanks

Hi, I have also had my Halifax debt purchased by capquest a few months ago... I sent them a polite letter explaining the debt was/ is/ and has been I'm dispute since October 2008 ... And that the Halifax have never produced a credit agreement..... All I received was a ' we have received your letter and we are looking into our next plan of action ' etc etc ...... Hey presto, I ALSO. Received this letter this morning.. With no mention of the credit agreement... I take it, they CANNOT DO THIS ???? Has anyone got a lovely informative letter I can reply with to show them am not a pushover ... Anyone.?? Would be most appreciated ... Thanks in advance

Hello and thanks for reading this. I came across this site when I received a Statutory Demand through the post from CapQuest. I was unaware what this was so I decided to look it up. The default date on the account in question was early 08, and due to my job I move around a lot and this is the first I had heard of it in a very long time. They may have sent letters, but I never received them, and as I don't really apply for any credit or go on the electoral register they wouldn't have had an up to date address anyway. I see from a lot of the threads that I have now read they sometimes use a SD as a threatening letter as such. I leave the country in Sept and I don't actually return until after the debt would have been over 6 years. Also from what I have read on this site I think I'm right in saying it would then have been to long to be collected on. The default was on a bank loan. My work messed my pay up and I received no pay for two months. I wasn't paid a great deal at the time so there was no savings for me to dig into. I did however go into my bank at the time and sit down with an advisor and explain this. My loan was with the bank and when he said everything with my account would be ok, I naively assumed that included the loan as it was with that bank. However I now believe there two different heads of the same beast so that wasn't the case. I never stopped my direct debit and like so many others I never really checked my account as long as I had money left at the end of the month (lesson has been learned since then). So for quite a long time I didn't even realise I had defaulted on the loan (another change of address and I thought telling my bank of my new address would mean the loan people would know as well as it was with the bank. Thus any correspondence they may have sent would have gone to an address where I was no longer living.) Can I please get some advise from someone as to what they think I should do next. Thank you again for taking the time to read this.

Hi Had an old mables card. .Been all round the houses , ,Capquest had it last . .Sent a Recon CCA with an account number that wasnt at the time I took out the card, so def not the correct CCA . .The last letter from CQ was telling me they are still in talks with Marbles about the CCA that was 2012 ..Now received out the blue letter from CQ saying they have passed it to Drydens fairfax. .When Drydens finally write is there any point in CCAing them .. Or just tell them its still in dispute with CQ and quoting what CQ have said in letter ,,Or do I just ignore..? Thanks

Hi, I've been receiving letters from Capquest re a Next Directory account and thanks to reading the helpful posts on CAG I sent them the CCA request letter recorded delivery on 1st June. I received the following letter back dated 3rd June:" Further to recent contact wtih our office and your request for further information in relation to the above account, we would confirm that your account is now on hold for 28 days whilst we obtain the information required. If you have any proof of payments or correspondance that would assist with your query, please forward these documents, with a brief covering letter to our Collections Administration department, so that we can resolve this matter as soon as possible." Obviously I didn't assist them and sent nothing. Then I received this letter dated 8th June:" Further to your recent correspondence and in order to process your communication further, we would request you provide the following information by 17 June 11 to assist us in resolving this matter. Proof of residence at the time this account was opened: 1st December 2008 Your assistance would be greatly appreciated. Please note this is not a demand but a request.&quot ;My question is what do I do now? I'm not going to kindly assist them by sending them anything and interestingly I'm pretty sure that the account was opened well into 2009. Do I send them this letter from the library and then what? Or do I wait? Help, confused myself reading too many forum posts.

Hello folks I wonder if anyone can help me on this. I had a credit card during my uni days in 2005 and i managed to screw it all (around £3500) and never attempted to pay it back. Last i used the card was in 2006. I have now recieved a letter from Capquest telling me that thay have bought this account from XXXX and total amount is around £6500. I am really stressed with this, i mean the letter is obviously threatening enough. I have looked at my credit report on the Equifax, the one you get for £2.00 and It does not even mention that credit card ever associated with me. I can see the rest of the info there on the report but there is nothing at all related to this credit card account. I have no other CCJ or court related orders or anything like that. I know that the debt is definitely mine but it was around 3500 and now it has come back to haunt me with 6500. I am so annoyed with this. Its my mistakes, people do make mistakes but this is giving me a hard time.. I have full -time job now but we are expecting our first baby in few months time so, the budget is tight. Please advise me what to do? The thing is that i dont just want to ignore this , i know they will keep sending letters or possibily fonecalls and all that....so, i want to address the situation... What will happen - 1. If i call capquest and argue with them and tell them that its not mine. 2. If i call Capquest and tell them to send me the CCA and tell them that i will have see if its mine or not 3. If i call them and ask them the full and final negotiation amount. ( I can afford to pay if they settle at 50% discount) Please please help me.... i really dont want to stress myself and my wife at this time....i want to get this sorted once and for all.

Afternoon CAGS, Following your excellent advice with HFO which resulted in no action, I have a final one. Took out a Halifax loan many moons ago for around 10k, paid it until it got down to 5k and then due to the usual changes in circumstances have been paying Westcotts up until recently 15 quid a month and same on a small overdraft of £600. Now my credit report has just notified me that this has defaulted today. So expect one of the Debt agencies will be in touch and was wondering what advise or steps I can take. As its defaulted now, can I offer a settlement of a fraction of the debts? Any help will be appreciated

Hi guys and girls advice needed. Long story short: September 2008 got contract phone with vodafone(18 months), february 2009 got made redundant. Couldn't afford to pay, tried as much as possible. Vodafone rescinded my contract early and added the 12+ months of line rental due. total debt $448.32 Debt passes to Capquest that write to me in no uncertain terms... you must pay it back and all the rest... debt is now 515.46. I send a letter back saying that i am unemployed and on JSA and offering a token payment of £5 per month. No reply to that letter. Today HL Legal writes to me, saying they want the full blance by 17th july or court actions, adding £55 for court cost and £70 solicitor cost. Can you please advice on what to do next? thanks.

Hello Guys, I requested the credit agreement in relation to the credit card debt that I had with capital one and the debt was bought by capquest. Capquest has provided the actual credit agreement. The CCJ was placed in 2008 for £288 but the actual debt is £644. They say that to minimize cost the rest of the debt was not litigated on. They also wrote that they are willing to discuss a payment arrangement. Now how do I persuade them to remove the CCJ if I confirm a repayment?