Capquest, first contact via text - old CAT debt

[Anonmon]

Hi guys,

 

Long time viewer here.

 

I had a number of debts over 7 years back which I cleared most of, the only one I didn't clear was one with a mounting interest which got ridiculous. The only thing I can think of is one of those credit catalogues. I was young, stupid and luckily managed to get a credit plan with my other debts. I've not heard anything from an agency for quite some time until today.

 

Capquest messaged me asking to call them (I won't) and gave me a ref number. I have no paperwork & they've sent through no letters. I don't want to get blindsided by a cheeky CCJ which I hear they do by 'backdoor' so is it worth sending a 'statute barred' letter referencing the ref number in the text or will this open a can of worms?

 

Lastly, I have equifax/Credit Karma.

If they were to try a backdoor CCJ, would I be able to see it updated on my reports in good time?

 

Thanks guys,

 

 

[dx100uk]

you should never be moving say within 7yrs of your last use/payment on any credit without informing your debt owners of your new address.

 

if you have not paid/used the credit within 6yrs , send them our SB letter,.

 

a claimform being raised against any address, showing or not, has no indications on credit files until adjudged. 

[Anonmon]

Yup, now is my chance at least to do this. I assume sending a SB letter will also update my address or will I need to specifically tell them that this is my new address?

 

Last part makes sense.

 

Thank you.

[dx100uk]

2 birds one stone...

[Anonmon]

Thanks for the help. Will it automatically update as my new address or will I need to specifically write it?
 

And lastly, as I've just received a single text in however many years, should I wait until a letter comes through or anything with a bit more information?

Before assuming they're chasing a specific debt? I'm reading they sometimes do this to get you to contact them.

[Anonmon]

Hi guys,

 

I recently posted about sending a SB letter to Capquest, they sent a text and all it contained was my first name, a phone number and ref number. No mention of debts/companies.

My post asked for advice on sending an SB letter but after thinking about it and not knowing how these guys work, is it safe to 'assume' this is for an old debt i.e me sending the SB letter

will mention debts whereas Capquest made no mention of this in their text. For all I know, they could want to award me a certificate..

 

What I'm getting at is I don't want to jump the gun, obviously it's for an old debt but they made no mention of this.

 

Cheers

[dx100uk]

threads merged.

 

well simply send them a one line letter with ref to the details they quoted...giving them you correct and current address.

 

see where they go.

[Anonmon]

Thank you, anything specific I should say? Or part of a template I can use as I understand wording can sometimes work against you!

[dx100uk]

 

Cabot ref no.: xxxxxx

please note my correct and current address as above

[Anonmon]

Thank you, fingers cross they'll send something a bit more in-depth in the post! 

[dx100uk]

think about it

you don't want them too..

[Anonmon]

 

After reading about all the 'backdoor CCJs' that people had absolutely no idea of, I'd rather keep these guys where I can see them, if it wasn't for that, of course I wouldn't want them knowing anything about me.

 

 

Edited July 22, 2021 by Anonmon

[dx100uk]

eh? you must always advise creditors of a move..

if they use that info is upto them, but thats the point of doing it..no backdoor CCJ's

ideally ofcourse you dont want them to reply do you...think about it again..

[Anonmon]

Makes sense, thank you. 

[Anonmon]

Feel free to merge with my other Capquest thread but felt this was it's own subject.

 

I've just received the below email from Capquest and wondering if this was usual procedure for them? I don't plan on entering any details but do they do this in order to 'trick'

people to supply more data than they have? Or is this actually access to a portal with debts you supposedly owe?

 

Thank you

 

Dear Mr XYZ.

You have a new document available on your Capquest account 111.

Please click the below link to login to view your document

Click here

If you have any questions, please contact us on 111 quoting 111.

We may have already been in touch with you by phone or letter, if you are not happy being contacted through email in the future or if you are not the person quoted in this email, please let us know.

 

Yours sincerely

The Capquest Team

 

Edit, they did use my correct surname so it wasn't just a random email and they have been SMS me with a ref number.

[dx100uk]

you are quite safe to block/bounce/report texts msg as spam and ignore all comms bar a letter of claim via royal mail as long as the debt owner has had your correct and current address informed to them by you in writing if you have moved.

 

dx

[Anonmon]

Cheers DX, just find it odd they don't mention anything at all. Going to take your advice on the address in the other thread!