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unknown debt from 10 years ago.. capquest
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splreece
Posts: 37 Forumite

hi all.. i am a newbie at dealing with companies like this but previously had poor debt. ive now cleared all debt i know plus those listed on experian, equifax and callcredit.
Capquest for the last 2 years have called me about a halifax debt from over 10 years ago (not listed on my credit files) that i know nothing of so i requested verbally a copy of the agreement. (silly i know as it was ignored) - i downloaded your letter (many thanks) demanding a copy back in june 13. they stopped all telephone comms and have sent a couple of letters.
They responded in july saying they are waiting for halifax and then again in september saying its not a credit file being a personal account.
i legitimatelly do not know of this account as i had a halifax account as a baby but not as an adult or even child.
I have worked hard to get my files clear so I am assuming this is a phising excersize.
I havent acknowledged the debt but is there a letter or template i can do to say its not mine and go away or its been over 10 years since the last contact so do they still have cause to chase...
I just want them to stop as it is a nusence especially for family.
many thanks for your guidance and help.
Capquest for the last 2 years have called me about a halifax debt from over 10 years ago (not listed on my credit files) that i know nothing of so i requested verbally a copy of the agreement. (silly i know as it was ignored) - i downloaded your letter (many thanks) demanding a copy back in june 13. they stopped all telephone comms and have sent a couple of letters.
They responded in july saying they are waiting for halifax and then again in september saying its not a credit file being a personal account.
i legitimatelly do not know of this account as i had a halifax account as a baby but not as an adult or even child.
I have worked hard to get my files clear so I am assuming this is a phising excersize.
I havent acknowledged the debt but is there a letter or template i can do to say its not mine and go away or its been over 10 years since the last contact so do they still have cause to chase...
I just want them to stop as it is a nusence especially for family.
many thanks for your guidance and help.
0
Comments
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I havent acknowledged the debt but is there a letter or template i can do to say its not mine and go away or its been over 10 years since the last contact so do they still have cause to chase...
---> http://forums.moneysavingexpert.com/showpost.php?p=34906257&postcount=5Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
i downloaded your letter (many thanks) demanding a copy back in june 13. they stopped all telephone comms and have sent a couple of letters.
They responded in july saying they are waiting for halifax and then again in september saying its not a credit file being a personal account.
You should have sent a prove-it letter. However, their response indicates that you may have formally asked for a copy of the credit agreement, with a £1 payment?
This would have confused them as only the account holder can do this.
In any case, Fermi's letter is the right one to send now.0 -
thats exactly what i did. i have printed the prove-it letter and will post tomorrow. many thanks for the advice fermi/fatbelly...
I am astounded at how much support you guys/gals give (and very greatful)...0
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