Being chased for debts but have moved abroad

barneysmum_2

I am getting letters from capquest demanding payment for a Vodafone debt and threatening court action and bailiffs and so on.

I was going to write the standard letter requesting the CCA and so on but I want to do this via email as I have now moved abroad. Is this possible and can I expect them to reply via email?

I really don't want to have to give them my new address. Otherwise they can write to my old address and it will be forwarded but then there are time delays.

Also, when Vodafone couldn't take this debt from my bank account last year they charged me two lots of £38 which is way over the top! I was going to offer to pay the debt minus these charges, what do you think?

GeorgeUK

For a mobile phone contract, there is not credit agreement so there's no point in sending a CCA request. You could write and request a copy of the airtime agreement, but if they come up with it then the debt will be enforcable.

I would suggest offering a "full and final" settlement to capquest for about 50% of the balance. Inform them there are unlawful charges on the balance and have taken this into consideration in your offer. Do not send payment until you have received confirmation in writing that the payment will be in full and final settlement of the debt - not partial settlement, and that you be released from any liability.