Court threat from capquest - 13 years on....

kellsm

Wrote my letter, offered 100 upfront upon confirmation that they accept my proposal, plus 200 a month starting 17th feb, with last payment of 125.41 due on April 17th.

I can't say fairer than that can I! That's very quick to clear it

kellsm

I will take a copy and post it out today. I have to Hand write them unfortunately as I have no access at the moment to print

sourcrates

Hi,
Do capquest actually own this debt, or was it assigned to them ?
Point to make, only the creditor who owns the debt can take you to court, a DCA can shout an ball all it likes but unless they actually own the debt they cant do a thing to you.
You need to get clarification on its status, as advised above, write asking for proof that you owe this debt, proof they have a legal right to demand payment from you, whether the debt is owned outright or has been assigned, copy of any notice of assignment, copy of any deed of novation. If they cant provide proof, you do not have to pay them, and they cant get a CCJ against you, most DCA`s are chancers and cant provide any proof, don't be took in by there threats they are mostly hot air.

spacey2012

You have sent them proven it letters to see if they hold any paper work to collect the account.
Usually they don't.

happy_bunny_2

Send them a CCA request.

No signed original, no CCJ when you defend it.

I would do this and save yourself some money. The chances of them having the necessary paperwork are likely to be close to zero.