We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
capquest collection agency
karlos208
Posts: 7 Forumite
Hi guys, wondering if anyone can help. Over the last couple of months iv been sorting my credit file out, with some great success so far. My problem is that i contacted capquest collection agency regarding a debt of £192 making a offer of full and final settlement for 50%. The debt was old and only had a few months to go before 6 years would have lapsed and it would have dropped off my file. They replied asking me to contact to discuss the offer and i was advised not to call and wait for a letter off them either accepting or declining the offer. Now the debt no longer shows on my credit file and it has been a few months since i have heard off them, but today my parents were contacted by capquest looking for me. Where do i stand can they reissue a default on my account for the same debt or go for a ccj against me? Just need some advice on how to handle this situation.
Thanks karl.
Thanks karl.
0
Comments
-
They can't issue another default, but could go for a CCJ. Unlikely for £192, but you never know.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
After 6 years of no written contact or payment it may be statute barred by now anyway.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
-
I wrote to them a few months before the 6 years were up, thought id do the right thing and try to come to some sort of agreement.0
-
"After 6 years of no written contact or payment it may be statute barred by now anyway."
Id have written notice better the matter ended in a ccj wouldnt i?0 -
-
Id have written notice better the matter ended in a ccj wouldnt i?
not quiet sure what you mean by that comment ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Sorry guys, combination of auto correct and a crying 6 month old. It was meant to say, id have written notice of court action before the matter ended in a ccj wouldnt i?0
-
Sorry guys, combination of auto correct and a crying 6 month old. It was meant to say, id have written notice of court action before the matter ended in a ccj wouldnt i?
The creditor should send a pre-court letter to explain their intentions as the court expects both parties to do what they can to avoid court action. I’m not sure this always happens though.
At the very least you should receive a county court claim form in the post if the claimant knows your current address.
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards