Capquest Threatening Bankruptcy on a 10 year bank debt !!!

Jayne_Morgan_123

would I not have been made aware of a CCJ at the time of them implementing one against me?

RAS

here is the link http://www.trustonline.org.uk/ . Cost £8 i think.

Jayne_Morgan_123

thank you. What difference would a CCJ make? Should I contact Capquest to contest this Statutory Demand?I have not written to them or paid anything for over 9 years

RAS

Right

This looks scarey, because it is potentially. read this http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=36_dealing_with_a_statutory_demand

You want to dispute the SD.

Assuming this loan is unsecured (soory for got to ask that earlier), and there is no CCJ, then this debt is statute barred and you can dispute the debt purely on that basis, but please please ring NDL to make sure you have all the documentation and everything in order.

If there is a CCJ, then the rules depend on when the CCJ was taken out.

Jayne_Morgan_123

Hi yes the debt is unsecured. I will ring NDL first thing in the morning as the delightful Capquest have scheduled in a call for 10 am. Many many thanks for all your help . Can I mention the Statute barred on the call to Capquest if that is the case?

Jayne_Morgan_123

Also as I dont actually own anything - half of a remortgage is in my name - what could they actually do or take by making me bankrupt?

RAS

Hi

NDL are available until about 9pm tonight.

You do not need to speak to Crapquest at all. We generaly advise against it as most DCAs are complete bullies. You will be told all sort sof things like that the phone call 6 months ago means you admitted liability etc.

If you must speak to them, make sure they believe that they are being recorded, as that will limit their options; they may just hang up.

By the way, this debt is £2K and it costs £1.5K to make someone BR.

Jayne_Morgan_123

Thanks again just checking if there is a CCJ and as soon as Boys in bed will ring NDL - They tend to be a bit noisy and want attention when I am on the phone!! Thank you so much for your help and will let you know as soon as got through on Registry Trust website

Jayne_Morgan_123

NO CCJs against me!!!!!!!

Jayne_Morgan_123

does having no CCJ strengthen my case? still settling little one so will ring NDL in morning when things are not so mad and thanks again