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Old LLoyds Loan - Possible Backdoor CCJ Capquest Tactics!?


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Hello to you wonderful people at this brilliant forum! 

would like to pick your brains if you had had experience with any scruples tactics of the parasitic debt collector Capquest!!!  

In a past life I was silly with money and got into a lot of debt! 


I behave in a much different manner these days and all my past debts are very old and long Statute Barred

But as everyone at this forum has experienced old debts rear their ugly heads at times!


For years I have ignored the letters that come through the letterbox every now and then but this year I decided if any appear I will send Statue Barred letters, something I should have done long ago.


This past month I have had this company contact me regarding one of my very old debts (A Lloyds Loan) from 2005.  It’s all the usual letters quoting “Please get in contact so we can discuss the matter and we can reach some arrangement or pay the balance if full! Etc!” 


The debt itself was defaulted in January 2006 and it was defaulted again in December 2006 but whatever company purchased it. 

I fully understand a default cannot be issued twice but that is a different issue. 

no payment or acknowledgement has been made by me since October 2005 so the debt is long Statute Barred!!


I am fully aware of how some debt collectors behave with their tactics but recently I have experienced a new tactic (new to me anyway) from Capquest.  This company has for the past month been sending a letter a week and about 3 text and phone calls a week!  All text and phone calls ignored of course.  


But i received a text yesterday quoting “Hello, you have a letter waiting for you, please click the link to view it”.  This takes you to Capquest’s website and asks you to confirm your details before you can view the letter.  Naturally I won't be doing this!  What I would like to know is this some sort of backdoor CCJ trick by Capquest?


Could be a possible “ Letter of claim” and yet Capquest hopes I don’t respond or defend it by ignoring this latest text? 

Has anyone received this kind of text before?


I am under the assumption that all Letters Of Claims or CCJ’s must be still sent via post? 

the Statute Barred letter was sent to the company today.


Thank you in advance for any advice or experience from Capquest!!!



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  • dx100uk changed the title to Old LLoyds Loan - Possible Backdoor CCJ Capquest Tactics!?

had to remove you text as it obv shows ref numbers

we dont need it anyway

yes you've done right


send 'em the SB letter.

  • Like 1

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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