A Warning - CapQuest Debt Recovery!

plowell

Ok, thank you.
If I don't report it - how soon will it disappear off my record? Is it six years from the date of the account being opened or it defaulting?

sourcrates

plowell wrote: »

Ok, thank you.
If I don't report it - how soon will it disappear off my record? Is it six years from the date of the account being opened or it defaulting?

It's more difficult to determine with bank accounts as there are no fixed repayments, you should assume it will be a couple of months before the default date, so 6 years from then.

plowell

I can't add a screen shot because I'm too new to the forum but it reads as follows:
Acc type: Credit Card
Acc start date: 15/11/2010
Acc end date: 31/01/2013
Repayment frequency: Monthly
Date of default: 23/05/2012

What should I do? What if they don't write to me first, how long will it stay on my record? Or should I reach out to them? I don't then want them to start phishing for my details but equally I don't want this affecting my credit record.

sourcrates

plowell wrote: »

I can't add a screen shot because I'm too new to the forum but it reads as follows:
Acc type: Credit Card
Acc start date: 15/11/2010
Acc end date: 31/01/2013
Repayment frequency: Monthly
Date of default: 23/05/2012

What should I do? What if they don't write to me first, how long will it stay on my record? Or should I reach out to them? I don't then want them to start phishing for my details but equally I don't want this affecting my credit record.

Ah, so it's a credit card, not a bank account.

The default date is a guide as to when payments were stopped, you can assume it must of been approx 3/4 months prior to that, so it would be gone in approx January 2018.

Well previous advice stands, report as fraud and write to crapquest with your concerns, it's the only way to have it expunged from your file.

Mazza63

I received a letter yesterday from Capquest stating that they had bought my debt from Abbey National (as was). This debt has been covered by my bankruptcy in 2009 so they havent got a hope in hell of receiving anything from me. Ive been advised not to contact them as they will not give up. Im contacting the official receiver tomorrow to clarify what I need to do.

sourcrates

Mazza63 wrote: »

Ive been advised not to contact them as they will not give up. Im contacting the official receiver tomorrow to clarify what I need to do.

Hi,


Yes that's the right thing to do.


Theses accounts, as you probably know, get sold on in bulk, with very little information attached to them, they are most likely, unaware of your Bankruptcy.


See what your OR advises.

Dravenkaze

hiya im also looking for some advice, ive had no letters but i am getting texts and a few voice mails from crapquest. as i have no debts, hell i still live at home i ignored them...but they are starting to get to me and its becomming annoying, what should i do

sourcrates

Dravenkaze wrote: »

hiya im also looking for some advice, ive had no letters but i am getting texts and a few voice mails from crapquest. as i have no debts, hell i still live at home i ignored them...but they are starting to get to me and its becomming annoying, what should i do

Nothing, except block there number maybe ?

Unless you get something in writing saying you owe this etc, ignore completely.

Dravenkaze

Thanks hearing that puts me at ease but the problem is all the texts come from different numbers and I've had 13 over so many months

sourcrates

Dravenkaze wrote: »

Thanks hearing that puts me at ease but the problem is all the texts come from different numbers and I've had 13 over so many months

If it bothers you that much your mobile network will give you a new SIM card with a different number for free, if you tell them you've been receiving malicious texts/calls.

Other option, which I wouldn't recommend, would be to contact them and see what they want !!