Please can you help..Capquest claim account is not statute barred..what next?

MRDOLLAR

Hi guys hoping you can help me cap quest are claiming that the account I owe £2000 is not statute barred.
I recently checked my credit file with equifax and the last delinquent default date was 14 September 2007.
Quite simply cap quest have said " we can confirm our records show a payment was made to this account on 12 may 2008.
To be quite honest I can't remember this or if I did it was over the phone under pressure at time.
They have found me since I updated electoral role etc.
I'm getting worried again now this debt was my silly debt when I was young and stupid 18 years old first credit card!
I hope people can help me I have sent many template letters previously cca prove it and statue barred just wondered what you would do many thanks

fermi

http://forums.moneysavingexpert.com/showpost.php?p=63293669&postcount=8

MRDOLLAR

Thanks for your reply I really appreciate it.
Template letter it is then?
What if they come back with some kind of proof what must it include ?
I guess if they come back with evidence I will have to pay ? What are the chances of ccj or worse ?

spacey2012

They do invent payments, so they will need some serious proof, if they turn all nasty, it usually means you have them.

MRDOLLAR

Really hope this is stat barred ! They are a vile debt collection agency! I don't want to give them a penny!

MRDOLLAR

If they have proof then I must pay up?
Options please?
What kind if proof is needed?

eyeopener2

Don't try and second guess this. Ask for the proof, see what they have and then go from their.

They have to prove you made the payment remember.

MRDOLLAR

MRDOLLAR wrote: »

Hi guys hoping you can help me cap quest are claiming that the account I owe £2000 is not statute barred.
I recently checked my credit file with equifax and the last delinquent default date was 14 September 2007.
Quite simply cap quest have said " we can confirm our records show a payment was made to this account on 12 may 2008.
To be quite honest I can't remember this or if I did it was over the phone under pressure at time.
They have found me since I updated electoral role etc.
I'm getting worried again now this debt was my silly debt when I was young and stupid 18 years old first credit card!
I hope people can help me I have sent many template letters previously cca prove it and statue barred just wondered what you would do many thanks

Hi thanks for your help and advice, this is still ongoing Capquest have called me at work and at home but i have not answered.
Capquest have alledged i have made a payment.
I want to ask them for proof of this payment via a template letter of some sort? can you point me in right direction?
i also would like this taken off my credit file now as i believe its stat barred as of september 14 2007 to present which is 6 years and one month.
im pretty sure i have not made any payments.
i just wanna get my credit sorted and get capquest off my back!
hoping you can help.
kind regards

matttye

MRDOLLAR wrote: »

Hi thanks for your help and advice, this is still ongoing Capquest have called me at work and at home but i have not answered.
Capquest have alledged i have made a payment.
I want to ask them for proof of this payment via a template letter of some sort? can you point me in right direction?
i also would like this taken off my credit file now as i believe its stat barred as of september 14 2007 to present which is 6 years and one month.
im pretty sure i have not made any payments.
i just wanna get my credit sorted and get capquest off my back!
hoping you can help.
kind regards

Did you send the template letter in post #2? If not, get it sent! First class recorded.

fatbelly

MRDOLLAR wrote: »

I recently checked my credit file with equifax and the last delinquent default date was 14 September 2007.

Have you checked your file? The entry should be gone now.

MRDOLLAR

I have checked my file and its still showing default date 14th september 2007. Grrr ! im hoping i can get this off so i can get better credit! hoping you can help and again thanks for all of your kind advice.