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    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
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Ra21 looking for advice

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HELP!! I had a credit card with capital one back in 2000 but fell behind with payments, i moved several times untill 2006 but cap1 caught up with me and demanded settlement..I panicked and started paying off the debt untill last year(when I had other problems going on) during which time they had passed the debt over to Capquest, i'm sure many of you have heard about them!!!! i managed to get rid of them by telling them I knew my rights blah blah blah..and not acknowledging their letters, I thought I'd heard the last of this debt..which if i could afford to pay it off I would!!!, until last week I received a letter from Lowells..offering a payment plan, which i ignored,and further one today showing a balance of £503 and saying if I dont contact in next 5 days they MAY instruct an AGENT to collect on doorstep, not even sure if this is the correct amount as got rid of all correspondence, what should I do??? thanx:(

Edited by Ra21

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no replies yet??? should i ask them to provide a cca?? i think thats what i did when capquest were on my case...and woud getting into correspondence with them be a bad idea?? very worried girl

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yep ask for cca and see what they come back with

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hi. welcome to cag


either prove it letter to see what they come back with.


if you are sure it is the samedebt( from capital one)

would CCA lowell,

little chance of getting one 9 years old:D




will ask mod to move this to your own thread incase you need more help.









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This is now your own thread. Please try to keep everything on here, that way you can get the help and advice you may need. :)



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Awww thanx guys for advice and thanx sam 4 move xx i'll be back asa i get anything from Lowells x:)

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if I dont contact in next 5 days they MAY instruct an AGENT to collect on doorstep, not even sure if this is the correct amount as got rid of all correspondence,


If's But's and Maybe's!

That is all Cr@pquest ever say, a bit like your big brother bullying you and saying 'if you don't get me a drink I'll pull the arms of your dolly'


It's all hot air, no respectful human being would want to work for such a company to earn a crust of bread..

If they do come to collect your doorstep, make sure you've at least swept it, they don't like taking dirty doorsteps..:rolleyes:




Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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