Hi , Last week I received a N1CPC Claim form from HL Legal on behalf of Capquest for an old Mobile phone contract that defaulted mid 2008. No payments have been made since 2008 as I fell into financial difficulty. I have been reading the forum to get an idea of how to respond and I intend to defend the claim fully. Issue Date : 19th Feb 2014 + 5 days for Service: 24th Feb 2014 AOS: 10th March 2014 Defence : 24th March 2014 POC : Part of the balance outstanding under a contract made between (Mobile Company) and the defendant for the supply of mobile telecommunications services by (Mobile Company) to the defendant number xxxxxxxxx the benefit which was assigned to the claimant on 2x-xxx-2010. The agreement was terminated by (Mobile Company) upon the Defendants failure to make payments due under the contract. Any payments of queries should be directed to the claimant on xxxxxx (phone), litigation (email). What is the value of the claim? 299.99 + 65.00 court and solicitors fees. Claim is for : mobile phone account When did you enter into the original agreement : after 2007 the account has been assigned and it is the Debt purchaser who has issued the claim. It is issued is the name of a person. Were you aware the account had been assigned ? I did not receive a Notice of Assignment Did you receive a Default Notice from the original creditor? - No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - No Was there a dispute with the original creditor that remains unresolved? No I am going to AOS online tonight. I am going to send a template CPR 31.14 requesting a Copy of the agreement, Notice of assignment and the default notice. Using some I have found on this site. There are a couple of things that are confusing me though : 1. Why are they only making a claim for part of debt? 2. I understand that mobile oontracts are not covered by CCA1974 so I can't do a CCA request, so I do I just request any copies of the agreement ? and who from? 3. Should I scan a copy of the CPR 31.14 request that I send to the solicitors (obviously by recorded delivery)? Many Thanks in Advance, Mrs Muse

Hi - Trying to help a friend out who is in financial difficulty. A number of years ago he separated from his partner, upon this separation left him with a large amount of debt from different sources. He took a mobile phone out with Vodafone for her and she ran up a bill of £100's. It then got passed to a debt recovery where he has been making minimum monthly payments ever since. Whilst helping him work through his finances we sent a CCA off to CapQuest thinking the debt was actually something else. They advised that it is not a credit agreement but a service agreement and if he required a copy of the contract then he needed to go to the place of purchase. I haven't dealt with a mobile debt before and not sure where he stands with this one - doesn't cap-quest have to prove they have purchased the debt or prove the debt in someway? Also concerned that they are adding charges and interest etc as the debt doesn't seem to be reducing, but he has had little to no paperwork sent from them over the years so he is in the dark. Any ideas on this one? Cheers

Hi, A bit of background history. I took out a Vanquis card about 4 years ago, 2 years ago I got into financial trouble and couldn't afford to repay all my debts, everybody except Vanquis agreed to let me pay a reduced sum for a few months to get back on track which I have done. However, while trying to repay everything Vanquis were getting a payment each month but not always the minimum payment and as a result the debt on the card spiralled with missed payment charges, then over limit charges and any other charge they decided to add. I will be honest and say that once the minimum payment got so high that there was no way I could afford it, I stupidly made the decision to stop paying them and concentrate on the other debts (1 bad debt as opposed to 4 bad debts is how i looked at it). In the past year or so I have had a couple of letters from Capquest saying they wanted the money etc, I just put them to the side and forgot about them. this weekend I get a letter from Drydens Fairfax Solicitors saying. "We have now received instructions to issue a claim against you in the County Court to recover the sum outstanding. It is not too late to stop the claim being issued, please call us on 0113 823 3386 or if you prefer write to us at the address below. "(The address is Capquest) They then have a paragraph titled: Information about our claim In here they then list the pre action conduct and how they intend to prove to the court the money is owed. My question is, I do admit I owe the money and do want to repay it so am not looking for a way out, but I do want to try and get it reduced due to the repayment protection policy i had at the beginning that did not benefit me as I was self employed so cancelled it after a few months and also all the charges added to the account. I am sending an SAR to Capquest but wondered if there is any way I can hold Drydens off issuing a cliam as they only give me until the 21st Jan to pay or advise of a dispute, otherwise a claim will be issued straight away. As the SAR takes 40 days that takes me way past the 21st, but I don't want to write to them and let them know that I am requesting the info incase they see that as a trigger to fire of the claim before the info comes through, on the other hand I want them to hold off. I was thinking of writing and offering them a monthly offer (it wont be much as I am self employed, made a loss last year, going to make a loss again this year, get housing benefit and tax credit with no real income) don't think they will go for it, but by making an offer do you think it would it then open dialogue with them enough to hold off claiming? I hope I have explained what I would like to happen, I am not very good at explaining things Any advice appreciated

Hi everyone I have received a Claim Form from Capquest, the claim form was issed on 18/2/2014. The claim form says it is for an old credit card balance with Lloyds banking group that is about 5 years old. Back in 2009 i requested a copy of my consumer credit agreement under section 78 of CCA 1974. Lloyds did reply to me after a month, the agreement they provided a standard agreement that had not been signed or dated by me. I can attach a copy of what Lloyds send me if needed. I would like to know 1) Is the account still in dispute as the correct information was not provided under section 78 of CCA 1974. 2) Do i need to make another request for my credit agreement to Capquest. 3) how do I defend the Claim by Capquest.

Hi, Have a written payment agreement with Capquest to pay £50 per month for a Very catalogue debt with an outstanding balance of £5472.14 which I have paid faithfully since they purchased the account in October 2013. Out of the blue they have sent me a letter snappily titled 'Letter of claim under the practice Direction - Pre-action Conduct'. Confused and concerned about this and would very much appreciate advice as to how to proceed. Pretty sure the catalogue account is pre 2007. Should i forward a CCA request asap? Should I acknowledge receipt of their latest letter and point out that I have a written repayment agreement with them. Please advice - am very worried about this. Thank you.

Hello, I'm hoping someone can help me please. I had a Next Directory account which I stopped paying in 2010 I believe. To make the long story short, I stopped paying my debts because I simply couldn't afford to after hubby's redundancy, not because I was avoiding them. The amount owed was £736. This was sold on to Capquest in 2011 I believe. In February this year, they sent me a letter telling me they intended taking me to court. I responded with a SAR request, to see what data they held. I posted this on the 1st of February (I have proof of postage but couldn't track it on Royal Mail website due to the length of time that has passed I think). They didn't respond at all but on Friday the 21st of March, I received a Claim Form from Northampton court. The particulars of the Claims are : "Part only of monies due under regulated Credit Agreement number ... Between Next Directory and the Defendant the benefit of which was assigned to the Claimant on 14-Mar-11 The Agreement terminated upon the Defendant(s) failure to comply with the terms of the Agreement." The total amount being claimed is £499.99, court fee is £30 and Solicitor's cost £50 totalling claim amount of £579.99 I am not sure what I should do. Are they allowed to ignore my SAR? But do I have a leg to stand on with just proof of posting? Can someone help me please?

Hi, I sent a CCA request to Capquest in Aug 2013. They forwarded it to Littlewoods and told me as soon as they will get a reply from LW they will let me know. Since than there is no reply and I have sent them account in dispute letter in October 2013. They did not responded. I continue to pay them token money of £1 until last month. Now I have stopped this payment as I have not received any CCA from them yet. Have I made a right thing or shall I continue to pay them? As, I have stopped paying them what shall be next move? Please guide.

Hi could anyone give me some advice, I have a debt with capquest from a catalogue (one of many debts accrued when my husband lost his job) i wrote to them offering them a £1 a month as the rest of my creditors have all accepted, today i have got a letter off drysdens Fairfax solicitors with reference to the capquest debt asking me to fill in their financial questionnaire and provide 2 recent payslips. do i have to provide payslips to them? im not trying to hide my wage or anything just that it has all my personal info on like national insurance number. should i do what they ask? thanks in advance

Hi everyone, its me again with another debt. Stupid me got burden of debt. I received a copy of my agreement with no terms and condition. I also received few statement showing my token payment. What I have also noticed from the statement is, credit limit on Capital one credit card was £1250 however debt went up to £1694 after I enrolled with DMP. I guess they are all late payment charges. I have already sent SAR to Capital One. Now my big question is, is this debt enforceable at court of law? Is there anyway I could get out of this? Should I make F&F offer to Rob&son Way? I have 10 days to reply but I am going away for 3 weeks towards end of next week. I don't want CCJ as my CRA file is clean and don't want court letter while I am away. Please help.

Having been hounded by multiple debt collectors that have been passing me around for the last 3 years - I finally have enough capital to pay most of the debt;[/size] LLoyds - 3,244 Arrow - 10,747 Capquest - 2,566 Mkdp - 7,429. Now here's the rub; I've just moved house and want to avoid dishing out my new address; I'm worried that once I pay the debt something horrible will go wrong and I will still owe the debt (having heard a lot of horror stories)... What would you suggest is the best way to go about getting them off my back - having spent so long getting here - I would like to get rid of them for good! Kind regards and thanks in advance - Andy.

I was contacted by Capquest last year in writing to say that they have taken over a debt from Barclaycard for £2,700. The account dates back to 1990. I denied any knowledge, but they have now written to be again and claimed to have added the debt to my credit file. Here are some facts 1. I moved from the address in 2000, divorced and moved overseas 2. I moved back to the UK in 2003 and my credit file only has my current address, with no previous addresses recorded. I have no loans or credit agreements ongoing from the old address. 3. I believe that the card was not used beyond 2005 (by my ex partner) 4. My ex partner may have made some payment against the card using a debit card direct to Barclaycard on their online system in 2009, but she cannot recall as she moved from that address also, but kept the card unbeknown to me (although it is in my name). Capquest have traced a person matching my details (name, dob) to my address and attached the account to me. I have denied any knowledge or liability. I suspect that my ex partner had retained replacement cards after I had left, as it was rarely used by me but clearly used by her and she probably tried to make payments to barclaycard direct before moving away on her new life and forgetting the whole episode. I have been advised, by someone trying to help, that the fact that I have the same details as that person who once lived at that address more than ten years ago is no proof that it is me, and that my electoral role, credit file does not have that previous address removes any link. I thought that a year ago that they had gone away, but am now concerned that they are back. I am really now very concerned and confused and would appreciate any advice from this forum. many thanks.

Hi all... This is relating to one of 'my' current problems. The short history details follow: Credit Card with Captial One for many years. Balance - £1986.28 I'm self employed and things slowed down a couple of years ago. In 2010 I sent all the requested info to them and they agreed to me making monthly payments of £5.00 which ran for some time. No defaults as far as I remember. Later, out of the blue I received a letter from 'CapQuest' who made all the usual threats Etc. After contacting them they informed me that they had taken over the debt. So I pleaded my case again. Eventually they agreed in writing that I continue to make £5.00 monthly instalments. Letter dated 18th Feb. 2011. It mentioned that it would be under review at their descretion Etc. That's the short history.... So on 6th June 2012 I receive a letter saying that they regret I have chosen not to deal with this matter despite previous communication..... So to assist me in clearing my indebttedness they would like to offer a reduction in final payment and would I call them to arrange this final payment. Then the usual legal threats of Baliffs Etc.. Etc... Upset by all of this I did some research, some of the info was gleaned from here and I wrote them a reply and sent the PO £1.00. Copy of my letter follows: (Sorry it's long) Michael Daniels, Capquest Group Ltd., Fleet 27 Rye Close Fleet Hampshire GU51 2QQ **My Address* 13/6/2012 Dear Sirs, OUR Ref: [EDIT] With regard to your recent letter sent to me dated [EDIT] regarding my account[EDIT] I do not acknowledge nor accept that I have defaulted on any payments to your company as set out and agreed in your letter dated [EDIT]. I also dispute the statement set out in the first line of this recent letter from you. In response: For your information, all communications regarding this matter must be in writing for Court use. Personal callers will neither be admitted nor spoken to. Telephone calls will not be answered or acknowledged. If your telephone calls continue, then legal action may be taken and/or a complaint will be made to the Office of Fair Trading under section 40 of The Administration of Justice Act 1970. I will continue with the agreement as set out in your letter[EDIT] but as a result of the above I am formally giving you notice that I now request a full copy of the original credit agreement AND a copy of the FULL statement of accounts on a/c: [EDIT] You are required to supply the following: 1. You must supply me with a copy of the agreement you refer to. This is my right under your obligation to supply a copy of the agreement which is s.78 (1) CCA 1974 (s.77 (1) for fixed sum credit) - your obligation extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee. 2. You are also obliged to supply a copy of the deed of assignment of the above referenced agreement. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not. 4. This information should be supplied to me within 12 working days of the date of this letter I understand that under the Consumer Credit Act creditors/agents are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under this section of the Act. I also request a full statement of account detailing this account and showing how the sum alleged to be owed has accrued to date. Failure to comply with my request will result in a report being submitted to the relevant statutory authority. I await your response in writing. Yours faithfully, G ********** PS: Please do not make futile attempts to gain my signature by returning this letter as the above personal mark is legal. I draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature before you comply with my S77/78request. If it is for Data Protection purposes then I can happily supply you with documentation to substantiate my identity to you. However please note that to date you have happily sent statements and correspondence containing extensive sensitive private information to my address. I have to ask if you are concerned that you are corresponding with the correct person why would it have taken so long to raise this? As you are aware, disclosing data without adequate checks of identity is contrary to the 7th principal of data protection, listed in schedule 1 of the Data protection Act 1998: 7. Appropriate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of, or damage to, personal data. My request for a true copy of my credit agreement under section 77/78was made on 13/06/2012and the 12 working days for your compliance expire on 29/06/2012. I note that there is no provision that removes the requirements of the act to provide this information on time, even if you are unsure of my identity. ------------------------------------------------------------------------------ On 14th June I received a very short note from CapQuest simply saying "Than you for your recent correspondance. We can confirm that a copy agreement and statements have been requested from our client and these will be sent to you wnen receved." On 15th June, another letter from CapQuest saying that due to my contact and request for further information the above account is now on hold for 28 days whilst we obtain the information required. And thats about it...... So, what do I do next? One thing I did notice on my old statements from CapitalOne was that I had been paying PPI. After ALL the cr*p CapitalOne & CapQuest have put me through (a lot not mentioned here) I really would like to claim anything I can from them. They are like maffia. Any advice would be appreciated and I apologise for the length of this post (just thought all the info in one make it easier) G&J

Received Bulk centre claim form today re old tsb acct, general stuff though, ie, various dca been trying it on for a few year now ( since 2009) when I 1st joined. So in a nutshell whats the best way forward even tho I probs know what your gonna say. I never received the initial request for the section 78 back in 2009. Best way to respond please, this is for my partner who now is climbing the wall.. Mr

Please could you offer advice on the Following I have been chased by several Debt Companies over the past few Years The Original Date was with HBOS, The first debt company Wescot Contacted Myself . I went through the procedures of Sending Letter to say I would only liase by Letter, Then sent a Letter along with Postal Order for them to Produce CCA, of which they did not produce, All went Quiet then I received a Letter from Capquest, yet again went through the procedure of asking them to produce CCA, Of which they returned a Copy of The CCA, all my details where correct on the front Page, the second page of which is where I would have signed was blank No Signature. I wrote back and said I would send a copy to the Financial Ombudsman, Capquest Noted my Complaint, and I have now received a further letter saying that they wish to proceed and collect the debt, How can they without signed CCA of which I have given them the time to produce and Have not. At present I, am trying to apply for a mortgage , but because the debt is still against me on my credit Score. How can I finally get rid of these debt companies asking for the debt when they cannot produce the CCA Any Help and Advise would be gratefully received

Well it has been quiet for a number of weeks now but low and behold this morning a letter from Capquest telling me they are now looking after my account. I do not recognise the Account number and neither do they indicate a named bank. They would like to work with me to reach a repayment plan. How kind. My first reaction is to bang off a CCA Request with the obligatory £1 P.O. Can I ask members do you concur with this course of action? I currently have an issue with another outfit called Moorcroft or something. That one is bubbling along reasonably well.

Hi all, I would be very grateful for any help with this. I have been sent a Judgment for claimant form today (it went to my mothers house-this is an address i have never lived at) detailing that CAPQUEST INVESTMENTS LIMITED have issued a CCJ against me for £299.99 with costs added so i must pay the claimant £386.99. This was issued at Northhampton county court. I am unsure who i owed the money to originally as i got into financial difficulty as a student and accumulated many debts along the way. Most of my debt goes back approx ten years but i may have accumulated something between then and now. I am unsure where to go from here, can i get the ccj set aside based on the fact that the CCJ was issued to me at my mothers address? How do i find out who is making the claim (as in which company) so that i can determine if the debt is statue barred? Someone please help me i am panicking!! Thanks everyone

On 2nd July 2013 I received a Claim Form from Northampton (CCBC) County Court with an Issue Date of 27th June 2013 (attached). Capquest were claiming the value of £299.99 plus costs related to a Shop Direct account I had taken out in 2010 but stopped paying in 2011 as I lost my job and had difficulty making payments. Although I believe the original debt was closer to £450. I subsequently acknowledged service of the Claim Form through Money Claim Online with the intention of submitting a defence in due course. I also sent two letters to Capquest, a CCA s.78(1) request and a CPR 31.14 request (both attached) on the 3rd of July, I subsequently received a response from Capquest dated 12th July which included a copy of a Notice of Assignment from Shop Direct and a Debt Purchased letter from Capquest which were allegedly sent to me on the 8th of February 2012 (I can not find these in my files from Feb 2012), the letter (attached) also stated that whilst they liase with Shop Direct to resolve this matter no further legal action will be taken. Naively, I submitted no defence to the Claim Form and had received no further correspondance until today, 27th December 2013, when I received a Judgement for Claimant (in default) dated 9th December 2013 and with costs of £90, not £65 as stated in the original claim form. I've been scouring these and other forums all day for some advice, I realise that I could pay £80 and apply to the court to set aside the judgement, but would be grateful for any advice on how to deal with this CCJ and Capquest as I believe that Capquest have misled me to manipulate a judgement by default a nd hope there is some other way to remedy this especially as Capquest have failed to provide respond fully to my CCA s.78(1) and CPR 31.14 requests.

Good afternoon After looking through these forums for the last six months, i have finally picked up the courage to ask for some advice. I am being tormented by a debt collection agency called Capquest over a debt that has absolutely nothing to do with me. I moved out of a property in 2003, and it seems a mobile phone contract was taken out in my name at this address in 2008. It is obvious it is fraud but Capquest have been less than accommodating with resolving this issue. I was told to place the account into dispute and demand a final response s o i can elevate the complaint to the Office of Fair Trading and Financial ombudsman if required. After more than 12 months of this i finally receive a letter today. They are stating that they have confirmed i was on the electoral register from 2008-2011. I have contacted the Local Authority and that is bogus. They want me to provide my life story to aid their own investigations. They will not provide any details on this orange phone debt as they say it is a service agreement and that i have to contact the orange shop for those details. Do they not have to provide signatures, handwriting etc?? Can they just demand i owe this with no proof?? They have stated that they will close the complaint after 30 days and continue collection action if i fail to cooperate. They also refuse to give any final response to my complaint. Any suggestions people, i have a backbone and i am not worried, more annoyed than anything else

Hi, I have been fighting Capquest for some time now over a default they have registered against me. I successfully claimed a PPI refund from Capital One, but during the prolonged and convoluted process of getting this refund, they Defaulted my account and sold it to Capquest. Now its only a default of £113, but thats not the point. My argument is that had Capital 1 been more forthcoming in accepting the PPI was mis-sold and didnt fight a lost cause for so long, I never would have defaulted (I made payments on time up until the PPI issue arose). What can i do in getting this removed, if anything? I am prepared for a fight, having won back £5500 in bank charges from Abbey, and £2200 from nationwide over the past few years. Its frustrating that this default is the only thing preventing me a good credit rating. Thanks for any advice in advance.

Hello All. As as student, I had an Egg credit card. Due to losing a job, no longer being able to pay the minimum payments etc, I built up a debt which in dec 06 was sold to capquest. It's just over 12k. Now, when i originally got the letter from capquest 18 months ago, it demanded immediate payment. I got in touch, and said this isn;t possible. I was paying egg £200 monthly as a minimum payment. I offered them £100 - all i could afford, but they wouldn't have it. I said nothing else i can do. Over the months, they sent letters, called the house etc etc. I was never at home, and my Dad eventually got really annoyed and made them stop calling. There have been gaps of a couple of months where they would not send any letters. I ignored all letters as i'd already told them i couldn't pay in full, and they wouldnt take the £100. To be honest ,i couldn't really afford the £100. Some of these letters offered to right off a third of the debt if i paid in full - but I still didn;t have 8k. Since then i hvae graduated and am earning. I could now afford to pay some off a month - not lots, but i could do it. After no letters for the last couple of months again, I got one yesterday. I'm not really sure what it is - and i don't have it here with me to quote. It says something about bankruptcy, that they have done something and i have 18 days to do one thing, and 21 to do another. It mentions some goverment websites i think. It also says on the first sheet at the bottom they hope things can be sorted without going to the bankruptcy stage. Can anyone explain what this letter is, and what i should do? I have ignored them in the past as i simply could not repay anything - now i can at least offer them a monthly payment? Thanks, J.

Hi, If there are any suggestions for the following it would be appreciated. About 2 years ago (2012) I was contacted by Capquest saying they had been retained by HSBC - there was a Business bank account joint with my wife that had lay dormant for a few years and over that time had built up £800 of debit - almost all bank charges. We had moved and forgotten about this the existence of this account until contacted by Capquest. We agreed an instalment plan and by last summer had reduced the debt to £400. Then Capquest told us to stop paying them and HSBC would be in contact. 4 months later I got a call from Cabot to demand payment of the balance. I explained that I did not even know they had purchased the debt and I would require proof before discussing further. It turned out that HSBC only provided Cabot the old address when the debt was sold. The paperwork to show the debt was sold arrived just before xmas. Some of the details are not correct as they show me as the sole account holder when in fact it was a joint account with my wife being the lead name. I was going to write correcting their errors this week. However, I just spotted an addition to my credit record that I wanted to get advice on. Previously as my wife was the lead account holder it only appeared on her credit record. It seems that on 1 December, Cabot added this account to my credit record, with me as the sole account holder and listed it as default - backdated to 2011, the monthly balance details are also wrong. I have not received anything saying a default was going to be added either now or in the past etc. or even had a chance to agree payments with Cabot. Will I have any option to have this removed? Thanks

Hi, I have received help from these forums in the past and am looking for help once more if possible. I have an old credit card debt (card was taken out in 2001/02 and I have not made any payments since early 2008 and have been in default since late 2008) with Lloyds. It has done the rounds with various DCA's until last month when I received a notice that Capquest had bought the debt. I received 2 letters from Capquest - both last month - I ignored at usual (I know - bury your head in the sand syndrome), but today, I received a Claim Form from Northampton CCBC which completely took me by surprise! The date of the claim is 25 Oct 2013 - the claimant is Capquest (Hampshire) and the address for sending documents is Optima Legal Services in Bradford. The particulars of the Claim: The Claimant's claim is in respect of a credit agreement regulated by the Consumer Credit Act 1974 whereby LLOYDS BANKING GROUP Original Creditor provided the defendant with a credit card. In return the defendant agreed to pay at least a minimum payment given in the statement. A default notice was served on the defendant which has expired and upon which the defendant has failed to comply with. A Notice of Assignment has been sent to the defendant notifying them that this debt has been assigned to the Claimant. The Claimant therefore claims the sum of 11,537.60 plus costs. The Claimant has complied with Sections III and IV of the Practice Direction on Pre-Action Conduct. The claim is for 11536.60 + Court fee of 190.00 + Solicitor's costs of 100.00 = 11827.60 Naturally I am very worried at this stage - I simply do not have the means to pay this (debt was run-up years ago, trying to save a failed business). I did send a CCA request to Lloyds a couple of years ago - but cannot find the proof of posting - so no use. What can I do now - if anything? I take it a CCA request to Capquest will not stop them? Do I enter a defence - is it worth it? If anyone can help at this stage, I would really appreciate it. Many thanks in advance.

Hi all, I need some advice. I have sent letters plus £1 postal orders to ask my creditors for a copy of your credit agreement under the Consumer Credit Act 1974. 2 letters to Capquest who have taking CCJs against me and 1 to BW Legal who have threatened to force me into bankruptcy/CO. The Recorded letters were signed for on the 22/10/2013 by Capquest and BW. I had a reply from BW Legal on the 31/10/13 and from Capquest on the 24/10/ 13. Both saying they're referring my request to the original creditors? So this means that they don't have the signed contracts? From Monday the (11th Nov 13) it will be 21 days and I have not had these credit agreements. What is my next step? Thanks Jez

Hi All Been on these forums for years, now need advice please. I had a halifax credit card I defaulted on in Sept 2005 for £3500 (although I as far as I can remember I never saw a default notice issued), this was handed over to BOS, with whom I agreed tp pay £10 a month. I kept this up right up to Dec 2012. I missed a few payments and called up BOS, who said they would need to review the case and would get back to me. Around sept I started getting calls/txts from Capquest which I never picked up or responded. They had sent letters to an old address from which I had moved over 2 years ago. I recently, by accident got hold of these letters. They are as follows: First one dated Sept 2013: From Capquest stating I owe £2770 and to pay up immediately Second dated 8th Oct From HL Legal stating if I do not pay by 22nd OCT then Court Proceeding may be issued Third dated 23rd Oct From Capquest, stating that Scotcall Limted, doorstep recovery agents will visit you Like I said I have moved from the corresponding address over 2 years ago. Another DCA did send letters to another old address I lived at 5 years ago, but current occupiers sent them back to sender. I dont know how to go about this, because they dont have my current address and obviously I dont want to give it to them. Any help would be helpful.

Hi All, Reading around the various threads on here and looking at other forums it seems capquest have become very litigious. Have they or is just me being paranoid about them as they are chasing me.