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  • FIRST POST
    • renny9417
    • By renny9417 19th Jun 17, 10:50 AM
    • 1Posts
    • 0Thanks
    renny9417
    Capquest statute barred debt ?
    • #1
    • 19th Jun 17, 10:50 AM
    Capquest statute barred debt ? 19th Jun 17 at 10:50 AM
    I had a call from capquest saying they bought a debt from Halifax in 2013 which defaulted in 2010.

    Two things...I don't thing this is for me and further more if it defaulted in 2010 it's surely over 6 years old and won't appear on any credit score?
Page 1
    • sourcrates
    • By sourcrates 19th Jun 17, 11:44 AM
    • 11,529 Posts
    • 11,117 Thanks
    sourcrates
    • #2
    • 19th Jun 17, 11:44 AM
    • #2
    • 19th Jun 17, 11:44 AM
    Best to start your own new thread rather than tag onto someone else, as you will get more responses.

    I have moved it for you.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • sourcrates
    • By sourcrates 19th Jun 17, 12:10 PM
    • 11,529 Posts
    • 11,117 Thanks
    sourcrates
    • #3
    • 19th Jun 17, 12:10 PM
    • #3
    • 19th Jun 17, 12:10 PM
    You can ignore calls, texts, emails etc from debt collectors.

    You only need respond to them if you receive something in writing, through the post.

    You would then respond with the "provit" letter, available from the stickie section, at the top of the forum, then wait and see what they come back to you with.

    If it was statute barred, you would then send the statute barred letter, and that should be the end of it, best to wait and see if they write to you, or not, first.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
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