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Question re old debt @ capquest


7zarkie7
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Hi,

 

Years ago i got into quite a bit of debt (7-8 years ago), i have been slowly paying it back and now have a spotless credit history etc ... however recently i applied for a mortgage which was fine. However during sale of our property it transpires that there is a charging order registered against it due a CCJ from 2007. The CCJ was registered by Capquest , who have NEVER been in contact in over six years and neither have i entered into any payment arrangement with them. I did have another debt with them that I mistakenly thought was this CCJ and have settled this in the past year.

 

Now after talking to them they have sent me a letter saying that i need to pay around 7K to settle this debt, they have also written to my solicitors telling them that i need to pay around 11.5K and that they will be charging interest, i am assuming the additional amount is interest for 6 years.

 

First of all I believe i paid off this debt years ago and Capquest can provide no proof of the debt or reference numbers, however given the above it is likely i owe this money as my recording keep at the time was very poor (grown up a lot since then !).

 

I need to deal with the 11.5K vs the 7K issue and looking for advice in terms of the best way of approaching this and if anybody else has been in a similar position.

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