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CAPQUEST help
Michael1199
Posts: 23 Forumite
Hi all,
Hoping you can give me some advice.
Received a letter from Capquest chasing a debt from MBNA. Amount of £1948 but letter says they will accept payment of £588 but has to be paid within 3 months.
Now I do recall having a debt with MBNA but I was young and silly at the time and I'm 90% sure I haven't had any correspondence with them in over 6 years.
What steps can I take here? Do I go straight in with the statute barred or request any info regarding the debt?
I have literally just been accepted for a credit this last month after many years of bad credit rating and joined credit reference agency. Find it strange alll of a sudden chasing a debt.
Thanks in advance
Hoping you can give me some advice.
Received a letter from Capquest chasing a debt from MBNA. Amount of £1948 but letter says they will accept payment of £588 but has to be paid within 3 months.
Now I do recall having a debt with MBNA but I was young and silly at the time and I'm 90% sure I haven't had any correspondence with them in over 6 years.
What steps can I take here? Do I go straight in with the statute barred or request any info regarding the debt?
I have literally just been accepted for a credit this last month after many years of bad credit rating and joined credit reference agency. Find it strange alll of a sudden chasing a debt.
Thanks in advance
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Comments
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Hi,
I'd go straight in with the statute barred letter and see what reaction that gets.
They most likely know it's SB, but are hoping to score off you.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 -
Thanks for your reply sourcrates.
Sorry I'm new here. Is there a good template letter on this site to use?
Thanks0 -
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Thanks for your reply. Will send it straight away. Thanks all0
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