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CapQuest Investements/H L Legal
Liverpool123
Posts: 1 Newbie
Hi all,
I split from the wife 5 Years ago and as a result was unable to make payments on a Laptop Purchase. I believe it was a small amount remaining when I stopped making payments at least 5yrs ago if not longer.
Now Ive received a letter from CapQuest and then HL Legal. The debt is increasing constantly from reading the letters. First says £2406.31 and the 2nd 14 days later is £2429.48.
Firstly reading all the threads, Im not sure if the amount is valid and I see lots of people talking about CCA and other helpful letters.
I would like to know which one to send first of all. I believe the debt was around £200 not 1000% more. How do i firstly find out if this Debt is live and then what steps do I take without dropping myself in it.
Original Company was V-12 Easy Computers.
Look forward to your response
Kind Regards
I split from the wife 5 Years ago and as a result was unable to make payments on a Laptop Purchase. I believe it was a small amount remaining when I stopped making payments at least 5yrs ago if not longer.
Now Ive received a letter from CapQuest and then HL Legal. The debt is increasing constantly from reading the letters. First says £2406.31 and the 2nd 14 days later is £2429.48.
Firstly reading all the threads, Im not sure if the amount is valid and I see lots of people talking about CCA and other helpful letters.
I would like to know which one to send first of all. I believe the debt was around £200 not 1000% more. How do i firstly find out if this Debt is live and then what steps do I take without dropping myself in it.
Original Company was V-12 Easy Computers.
Look forward to your response
Kind Regards
0
Comments
-
The first thing you need to find out is when the last payment you made towards the debt was.
A debt will become statute barred after 6 years (5 in Scotland) if you have made no payment towards the debt or acknowledged it in writing during that time.
This would not be the case if they have gotten a CCJ or decree, but the first thing to do is to see how much time has elapsed.
Do you know what account you were making payments from? You may be able to send a subject access request (SAR - cost £10) to the bank and get a note of all transactions for the last 6 years. It won't be statements you get, but the data should still be there.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110 -
the subject access request is a good idea, however the prove it letter on this site would probably be a cheaper way of getting some details and it also stalls the process and puts the account into dispute so holding any charges etcDrop a brand challenge
on a £100 shop you might on average get 70 items save
10p per product = £7 a week ~ £28 a month
20p per product = £14 a week ~ £56 a month
30p per product = £21 a week ~ £84 a month (or in other words one weeks shoping at the new price)0
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