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Ive had 3 letters from Cap quest for a debt with Barclays partner finance for a large sum, at first I thought it was a credit card owed but then realised that it wasn't and that Ive never had a loan with this side of the company especially for nearly 10k!! They have apparently purchased this debt They sent a CCJ threat just before last post date this month so shortening any reply time to about 3 days due to the fact royal mail was mostly closed. Then another immediately after Christmas saying they are still going for legal proceedings and seeing as I seem to have no other ccjs if I dont contact them i might may or possibly have trouble getting a mortgage, mobile phone, loan etc. I have had dealings with these people before, they sent me someone elses payment schedule with their address on it and it ended up in dispute and them never contacting me again as it went over the 45 or so day reply they set themselves. I was going to ignore it but being pregnant I dont really want the hassle of defending a CCJ if it goes that far. Anything I can do? thanks
This is really interesting. I bought an iMac from the Apple store - at the time, I thought I would pay for it through the BPF option instore. The paperwork was formulated in the store and was referred. I was told to call back in an hour and they should have an answer for me. I carried on shopping elsewhere and returned to the store for checking up reasons! It was approved. Anyhow, I left the store with shiny apple product and paperwork in hand. Credit agreement duly signed and receipt attached. So, some months on I thought I would ring and pay it off. So...... I gave my agreement number to the phone operator and they have no record...... How is this possible? Now the naive amongst us would argue great! A free bit of kit. I'm all the more cynical regarding my credit file - however, on credit expert there is no record of any agreement ever being started. No search, nothing. I'm inclined to keep my mouth shut but things rarely pan out that effective do they..... Is this something that may have happened to anyone else? What would you do? I'm honest and would rather settle up than have this come back on me at a later stage........ in the digital age, things are rarely 'lost'.