CapQuest issues on a Halifax loan debt

Takana

Hello, I am currently having issues with CapQuest (seems to be a common occurrence!) and would like some advice.

Brief history:
2007: Took out a 10k loan from Halifax
2009: lost job, unable to make payments
2010: Halifax sent debt to Geoffrey Parker Bourne DCA

Up until the beginning of this year, I have been paying £1 a month to GPB, as agreed upon, with no issues whatsoever. Then, out of the blue, I receive two letters on the same day (29th Jan). One was from Halifax claiming they have sent my debt to CapQuest due to 'failure to communicate'. The second letter was from CQ saying the same thing.

Since then, I have been harrassed by text (bank didn't have mobile number so who knows how they got it), phone and letter telling me to pay up 7k or else basically.

My questions is really, is the Halifax letter legit? If they had already sold my debt to GPB back in 2010, how could they then sell it to CQ?

I know I need to contact someone over this, but I'm not sure where to begin. Any advice would be greatly appreciated

Claire

[Deleted User]

Takana wrote: »

My questions is really, is the Halifax letter legit? If they had already sold my debt to GPB back in 2010, how could they then sell it to CQ?

You said earlier that they had sent the debt to the first DCA, rather than sold it. If the debt is not sold, they can use a variety of collection agencies.

You need to speak to Halifax.