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Capquest - Defaults on Credit file

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Hi all


This lot have been pursuing me for a while now (at my in law's address - embarrassing!) , after a debt that was nearly 6 years old. I wish I had found this site before getting scared by their bullying tactics and started paying them last year!!!


It was 2 accounts - one a Nat West account in my name for £300, which I stupidly paid off straight away, the other was a joint account (overdraft) at the Nat West with my husband.


The thing was, they just had my name on this debt, not my husbands!!!


I sent them complaint letters about their bullying tactics and the incorrect name on the account. I got the usual apology letter - they had checked with Nat West and updated their details to have both our names on it.


We started paying this by £25 a month then couldn't afford it and stopped paying it last year. We heard nothing for 12 months, then out of the blue, I got 2 letters addressed to just me, one from Capquest (offering to pay some money themselves towards the debt for what I pay!!) and another from HL legal saying litigation advice!!! My husband has had no letters so presumably they haven't updated their records!!! I rang and they had no record of it!!!


Anyway, to cut a lost story short, and this is the main thing that is annoying me - I checked my credit file and Capquest are registering defaults on my credit file!! The same debt that Nat West are putting on my credit file!! (My husband is too chicken to check his to see if they are doing the same on his)


What I need to know is, next year I will have a clear credit file and now that Capquest have done this, does this mean it will not be clean next year, but 6 years from now - even though the original debt will be 6 years old early next year and wiped off my credit file?!!


Can they do this? Please help!!





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on your credit file


what date is the default registered under (started)

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The Nat West account was closed in April 2004.

On Equifax it says Company type: Debt collector but no date of default but has a "D" under April 2004.


On Callcredit it says Natwest, date of default April 2004 but "D" symbols until June 2006 then locked symbols until present. The another file underneath this on says Capquest (Formerly FTC) default date April 2004 but has "D" symbols for just May & June this year. But I have had no notice of default from Capquest and no letters since last summer!!! And why should this be two separate files on my credit file? Surely it should just be one?!!

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there should only be one default for one account

when the dca got the debt, the bank default should have come off and re-registered in the name of the dca


the default is april 2004 and will be deleated april 2010

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Thanks very much for that. I will be composing them an extremely polite note to that effect this evening (haha!)


I used to be frightened of them as they were really nasty on the phone to me - one woman even accused me of hanging up on them! I told her it was my telephone and it was my prerogative (spelling?!) to speak or not speak to whom ever I wanted to on it. I also said that if they wanted more people to answer their phones, they should employ personnel to ring people up and not computers who treat you to a minutes silence!:lol:


Have courage people and force DCAs to treat you with the respect you deserve as a human being regardless if you owe them money or not!


Anyway, sermon over, I'm off to write that letter. Thanks for the help.



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