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Hi got a power of attorney letter from cap quest today stating they want £1062.81 debt that i owe natwest . So heres the this thing this debt gave me a default starting nov 2004, So do i pay or hold out as my 6 years are nearly up.

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Moved to the Debt Collection Forum.


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Hi,

You say the default is Nov 2004?

 

 

My thinking on this is that the default is placed between 3 and 6 months AFTER the last payment so if you have made no payment nor acknowledged this debt since August (or before) 2004, this debt could well be Statute Barred already.

The Statute Barred clock starts from the cause of action-not the default (although they'll have you believe otherwise)

 

I would hold off contacting them for now and see what they try next


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Hi i checked my exqifax and it says last date deliquent 11/2004 ,I had another default from around the same time and thats been deleatedso time will tell i suppose

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Hi

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