Capquest - old Santander OD Debt from Satander Cards ltd!! - now Opos Chasing

[Riggers0162]

Hi,

It’s been a while hope everybody is well!
all letters stopped for over 4 years! 

Another has now arrived.

I received a letter from Capquest saying the legal ownership of your account (Notice of Assignment) has been passed to Opos. 
Opos are texting and calling and sending letter offering discount etc etc. 

Debt is over 6 years old (originally with Santander) can I just send the statue barred letter and be done with it. 
 

I’ve not done or sent anything to them yet.

many thanks 

[lolerz]

When was the date of the last payment?

 

If the date of the last payment was over 6 years ago then send the statute barred letter from our library.

On them to prove otherwise then.

[Riggers0162]

Thanks,

It was included in a failed IVA so I need to check when the  last IVA payment was but this I’m sure it’s over 6 years ago! 
 

[AndyOrch]

1 hour ago, Riggers0162 said:

. I received a letter from Capquest saying the legal ownership of your account (Notice of Assignment) has been passed to Opos. 

Is there any chance you could redact this letter and upload a copy ? Is it actually A Notice of Assignment ?

 

Andy

[Riggers0162]

Please see attached 

 

2023-11-29 Capquest old Santaner OD-Card passed to Opos.pdf

[AndyOrch]

So not Assigned to Opos (I didn't think they bought debts)...ignore them dont waste a stamp on a Statute barred letter.

 

 

[lolerz]

So Arrow are the current owners. Probably this was part of the 50% that Arrow kept when they sold Capquest to Intrum.

Ignore opos totally.

IMO it might be worth sending the statute barred letter to Arrow but I know that differs from what @Andyorch stated earlier.

[dx100uk]

thread title updated

funny how they say it's and OD Account from Santander Cards Ltd? eh

have you moved since last using the card/OD or contacting Capquest? 

[Riggers0162]

Two addresses since Iva nearly 9 years ago. Last contact with them will have been through Iva. I haven’t made any contact with them. 

[dx100uk]

as she has moved..

IMHO to protect against backdoor CCJ 's 

your wife needs to send capquest our statute barred letter from the debt collection library.

it might also be worthy revisiting any other debts that were in the old IVA too and writing to the debt owners stating her correct and current address.

dx

[Riggers0162]

The letter was addressed correctly to My current address, sorry probably not explained correctly. They have my current address. Does that change anything? 

[AndyOrch]

With regards to this debt no....

[Riggers0162]

Morning,

I’ve checked through old paper work and I can’t actually find reference to the debt? I’m confused.

Never had an overdraft or card? But did have a bank account.

I cannot 100% confirm its statue barred however I’m still looking into this.

Would I therefore be better to ask for more info on the debt through a “prove it letter” or not?

Is is better to look further into this myself.

Issue is if it is over 6 years ago I will have very little info, nothing ever showed on credit file no letters nothing?

No paper left in house from divorce? 

many thanks 

[AndyOrch]

1 hour ago, Riggers0162 said:

But did have a bank account.

Then possibly an unauthorised overdraft when you left the bank and unaware ?

[Riggers0162]

No idea, would a prove it give me more details?

[AndyOrch]

No point...wait until they decide what they wish to do.....if they wish to litigate then they had better be sure and have the relevant paperwork.

[Riggers0162]

Ok, I’ll keep looking for any reference to account / dates and if I can find this and it’s over 6 years then I will send SB letter. 

Thanks 

[dx100uk]

why not send satans bank an sar?

if it comes back they have nothing then sure as Eggs, capquest won't, unless they fake up the paperwork....

dont forget to read ALL the posts in SAR link RE:CTAX bill etc too

dx

[Riggers0162]

Sounds like a plan!