RBS Decree From 2006 - Need Advice

Deniseg4

Dear All,

I decided to start a new thread instead of adding to my old one as I want to ask specific questions about this. I have just called the court and it would appear that there was indeed a decree extracted on 14th June 2006. To re-cap, the total sum due was £13345.54 including interest. I took no action whatsoever at that time, and no further action has been taken against me since. The last correspondence I received regarding this debt was in July this year, when I received three letters (for the three debts that make up the full amount), each from MacKenzie Hall on behalf of Capquest, who I believed purchased the debt from RBS. The amounts they ask for are as follows:

£7704.19 - Personal loan
£2,599.52 - Current Account (no overdraft - all bank charges)
£1047.63 - Current Account (no overdraft - all bank charges)

So they are no longer asking for the interest that the court applied in 2006 as far as I can make out.

I have a few questions:

1. As the debt has now been purchased, do Capquest have the same powers granted by the court that RBS had?
2. If I make a payment arrangement for the larger of the three debts, would this show on my credit report?
3. Would it be reasonable to make settlement offers lower than the amount requested for the two smaller debts?

To complicate things even further, I have now moved from the address they last wrote to me at, and I am scared to contact them with my new address until I have something to offer them. I really appreciate all your help in this