capquest/Opos limited letter on old MBNA account

[JT2002]

Hello all,

I received a letter from capquest about a week ago saying they assigned ownership and legal rights to my credit agreement (previously with MBNA) to Arrow Polar Designated Activity Company, who then appointed Capquest Debt Recovery limited as admin of my account going forward.

I thought it is a scam so just ignored it.

I then received an email today (personal email which I only use for some online banking registrations so don't really junk emails usually) from Capquest stating my account is now managed by Opos Limited and gave me an online account number and PIN to pay for the outstanding balance - which is £6k! 

I am unsure what to do here but it seems this company does have access to my personal information which is very concerning.

I had an MBNA credit card probably 15 years ago (still trying to find any statement through my emails to check the period I owned it and if I had any contacts from MBNA in regard of the credit card) but I don't recall any details of when I closed the account etc.

I never had any contacts in the last 6 yrs since I lived here, but was living outside of UK for about 8 yrs

- I checked my credit score all seemed fine and no CCJ while I was away.

I am unsure if I should response to validate the debt or just ignore them. 

Thanks very much in advance for any advices.

[dx100uk]

its simply because capquest and the debts they owned have now become a part of a different debt buying/DCA group - arrows.

 

just like lowells have recently bought out Hoist uk.

when this happens its quite usual for the new group to send out 100'000 of letter to see if they can scam some mug that believes DCA are bailiffs and not the TOTALLY POWETLESS firms they really are , to pay them. 

as you've discovered most of these debts are statute barred.

pers i'd send capquest our SB letter from the debt collection section of our library

nail them in their coffin.

 

just one other point, you indicate you are worried they have your pers information. 

well thats a good thing in a way as you've obviously moved around a bit and never bothered to inform your debt owners of your correct and current address in writing. you've been lucky you've had no backdoor CCJ 's....NEVER run from debt no matter how old it is

 

dx

 

 

[JT2002]

Hi dx100uk,

Thanks a lot for the response and link to the library - this is very helpful. But having looked at the statute barred letter, it seems to say one have not made any payments, acknowledgement etc in the last six years time hence it is barred, is this not admitting knowledge of the debt? I read some posts are suggesting to send 'prove it' letter - should I do the prove it letter first then this statute barred letter? or the SB letter alone will do?

In regard of personal info, I did not mean to hide it but was surprised that they obtained email address which I have not used long. During the years my current account has not changed and I updated my previous addresses with the bank so I am assuming all this info is in my credit file and can be accessed, only email I don't understand. 

Edited September 18, 2023 by JT2002
remove quote

[dx100uk]

nope prove it letter is useless should not ever have been written

silly letter tennis.

sb letter is NOT acking the debt, and anyway if a debt is SB'd it CANNOT become unbarred...not even a judge can do that.

as for the email, it will be in the info the bank gave the debt buyer which they are quite entitled to hold,

sorry but you seen very green

go read a good few threads in the debt selfhelp forum

dx