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Capquest / HSBC issue for advice


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Hi,

 

If there are any suggestions for the following it would be appreciated.

 

About 2 years ago (2012) I was contacted by Capquest saying they had been retained by HSBC

- there was a Business bank account joint with my wife that had lay dormant for a few years

and over that time had built up £800 of debit - almost all bank charges.

 

We had moved and forgotten about this the existence of this account until contacted by Capquest.

 

We agreed an instalment plan and by last summer had reduced the debt to £400.

Then Capquest told us to stop paying them and HSBC would be in contact.

 

4 months later I got a call from Cabot to demand payment of the balance.

I explained that I did not even know they had purchased the debt and I would require proof before discussing further.

 

It turned out that HSBC only provided Cabot the old address when the debt was sold.

 

The paperwork to show the debt was sold arrived just before xmas.

Some of the details are not correct as they show me as the sole account holder

when in fact it was a joint account with my wife being the lead name.

 

I was going to write correcting their errors this week.

 

However, I just spotted an addition to my credit record that I wanted to get advice on.

 

Previously as my wife was the lead account holder it only appeared on her credit record.

 

It seems that on 1 December,

Cabot added this account to my credit record,

with me as the sole account holder and listed it as default - backdated to 2011,

the monthly balance details are also wrong.

 

I have not received anything saying a default was going to be added either now or in the past etc.

or even had a chance to agree payments with Cabot.

 

Will I have any option to have this removed?

 

Thanks

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shame you started to pay this.

 

it is a joint debt, so sadly I don't think theres much you can do about the cra file.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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