A little advice in regards to a remaining Capquest debt.

[Gaspanic9]

Hi,

 

 

I'm finally down to the 1 debt after my CCJ officially got removed from my profile this morning (Hurrah),

 

 

however I now just have the 1 debt left which I'd like a bit of help regarding.

 

 

Below is the entry in my credit report,

 

 

I'm unsure as to what to do with it.

 

 

CapQuest Investments Ltd

Account type: Bank Account

status: Default

Date last updated: 09/01/2015

Account opened: 01/02/2007

Account opening balance: £932

Repayment frequency: Monthly

Default date: 30/11/2009

Original default balance: £932

 

 

Now it looks like it's due to drop off on the 30th of November

but as I'm now down to this final one,

I want to make sure it doesn't mess anything up

(I've read a lot of stories about Capquest getting CCJs produced which I would hate to have after managing to get this far).

 

 

What would you do in regards to it?

 

 

Currently I have a little bit of savings (about £500)

but I also desperately need a new car (for work as mine is on its last legs)

so if possible I'd like to keep that.

 

 

I can't remember exactly what this one was for

but I believe it was Barclays finance (Via SCS for a SOFA).

 

 

Any ideas what route I should take with this?

 

 

It should drop off in 10months.

[dx100uk]

it says bank account so cant be sofa finance.

 

 

are capquest writing to your current address

and were you at this address when you took this out

 

 

dx

[Gaspanic9]

Sorry,

I got them mixed up,

 

 

it seems it wasn't for a sofa but for a TV when I lived with the ex.

 

 

Was originally Clydesdale financial services which I think then got taken over by Barclays (from Richer Sounds),

 

 

I've only ever had 1 cash loan though which I fully paid off (and it's on my report too) so it's definitely for goods.

 

 

They have sent letters but nothing overly aggressive,

the last one I think was them saying they could come up with a part settlement

but I'd have to call them (which I didn't).

 

 

I'm more just eager to get them all cleared and don't want this last one to mess everything up.

[dx100uk]

it says bank account - it cant be finance for anything.

 

 

if they are offering discounts - 99% means theres something wrong.

 

 

you could start letter tennis with a CCA request

 

 

pers I'd let it run its course

 

 

theres nowt you can do to get the default removed mind.

 

 

dx

[Gaspanic9]

Thanks for your advice.

 

 

I was planning on just waiting it out

 

 

I just wanted to make sure I was taking the best course of action.

 

 

I guess if it does say bank and they're offering partial settlement they realise something is up.

 

 

If they start getting more aggressive then I may take it down the CCA route

 

 

but until then i'll refrain from kicking the hornets nest. Cheers!

[dx100uk]

yea bank accounts and CCA request ofcourse don't mix

 

 

but it would nail down what exactly the debt is should it become necessary