capquest..need some advice

James_Q

So hi guys/girls. I got a letter the other day from capquest saying they have bought an old debt of mine of 11k. Now I know the debt is mine but its over 6 years old. At the time my family moved abroad and I went for a few weeks then came back, moved around alot and forgotten about. Ive not heard anything about the debt for over 6 years untill the other day. I have sent a letter stating that its over 6 years old etc and that its staute barred. Now there offering an easy payment plan where I get discount etc. If I don't they will start legal proceedings. Me and my wife already have an iva and I don't want this effected. What can I do?

happy_bunny_2

If it's statute barred, that is your defence if the try court.

Just make sure they have an up to date address for you, which I presume they have.

Just write to them, stating its statute barred and you do not intend to pay and if they do not leave you alone you will be making a complaint and referring them to the FOS if needed.

fermi

http://forums.moneysavingexpert.com/showpost.php?p=34906247&postcount=4

James_Q

Ok will do. Arw there any template letters I can use? Is there anyway off proving its statue barred?

matttye

James_Q wrote: »

Ok will do. Arw there any template letters I can use? Is there anyway off proving its statue barred?

See fermi's post above for a template letter.

You don't need to prove it's statute barred, they need to prove it isn't.

James_Q

Ah ok cool. They reckon they can track my bank account and have access is this correct or juat a threat as ive reas they are bullies.

fermi

That is complete twaddle.

happy_bunny_2

First signs of any funny business, written complaint.

They will get sick of that eventually and leave you alone. Worked for me so far.

James_Q

Ok, is there anything that shoukd be put in a letter, like policies and guidlines?

fermi

A possible letter is in the link in post #3.