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Capquest / Bank of Scotland


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Hi I'm new to this site and I'm wondering if anyone can help me please

 

I defaulted on a loan that I had with Bank of Scotland in 2007.

 

The debt was eventually passed on to Capquest and I agreed to pay them £10 per month which I have been doing ever since.

 

For the first time in years I have just looked on my credit report and there is no mention of either Bank of Scotland or Capquest anywhere on the report, my question is... Do I keep paying the £10 per month or stop the direct debit? I have had no correspondence whatsoever from capquest for years and as I'm thinking of applying for a debt relief order I could do with knowing where I stand with this debt

 

Many thanks in advance for your help

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The debt may have defaulted early 2007 and therefore have come off your record after the usual 6 years. As you have been paying the debt, it is not statute barred and they could enforce in court.

 

You should be receiving a regular statement of account to show how much debt is still outstanding.

 

Suggest sending a CCA request to CapQuest, per the linked letter below, for which you will need to include a postal order of £1 as the fee for CapQuest to action the request.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

We could do with some help from you.

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