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Calls from Capquest over 12 year old debt
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twhitehousescat wrote: »The Financial Conduct Authority (FCA) say that it’s not fair for a creditor to keep asking you to pay a statute-barred or extinguished debt if you’ve told them you don’t intend to pay it.
since when have capquest acted fairly
the op was given a CCJ , capquest had 6 yrs to enforce this , looks like they failed , so although court action is doubtful , they can still ask for money
And if they keep pestering people over statute barred debts and people complain, they'll just end up getting a fine or worse. Not really worth it from CapQuests point of view.0 -
twhitehousescat wrote: »The Financial Conduct Authority (FCA) say that it’s not fair for a creditor to keep asking you to pay a statute-barred or extinguished debt if you’ve told them you don’t intend to pay it.
since when have capquest acted fairly
the op was given a CCJ , capquest had 6 yrs to enforce this , looks like they failed , so although court action is doubtful , they can still ask for money"Facism arrives as your friend. It will restore your honour, make you feel proud, protect your house, give you a job, clean up the neighbourhood, remind you of how great you once were, clear out the venal and the corrupt, remove anything you feel is unlike you... [it] doesn't walk in saying, "our programme means militias, mass imprisonments, transportations, war and persecution."0 -
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But it's not statute barred!
Capquest probably don't know that:The letter I received explained that I still owe them the money for this debt but they can no longer persue this through the courts.
When debt collectors buy debts they appear to get little more than an Excel spreadsheet containing names and addresses.
Even so, CCJ was issued ten or eleven years ago. I think Capquest would have a hard time getting permission from a court to enforce it even if they knew about it.0 -
Capquest probably don't know that:
When debt collectors buy debts they appear to get little more than an Excel spreadsheet containing names and addresses.
Even so, CCJ was issued ten or eleven years ago. I think Capquest would have a hard time getting permission from a court to enforce it even if they knew about it.
The issue isn't whether they can legally enforce it, it's whether they can keep phoning the OP about it.
I think, as it's not statute barred, they can. And ultimately the OP is just going to have to put up with it until they get bored.0 -
The issue isn't whether they can legally enforce it, it's whether they can keep phoning the OP about it.
I think, as it's not statute barred, they can. And ultimately the OP is just going to have to put up with it until they get bored.But it's not statute barred!
Capquest probably don't know that:The letter I received explained that I still owe them the money for this debt but they can no longer persue this through the courts.
When debt collectors buy debts they appear to get little more than an Excel spreadsheet containing names and addresses.0 -
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Statute Barred is not an issue as there is a CCJ. If Capquest are aware of the CCJ, then they know it's not statute barred.
Interesting that they say they can't pursue it in court, that sounds like the CCJ itself is over six years and a court won't allow enforcement action if the claimant hasn't taken action to reclaim the debt in those six years.
Send them a letter telling to cease sending letters as they can no longer pursue the debt, ask them to delete your telephone number under GDPR. However just block the number and bin any letters.
They are within their rights to contact you though.0 -
As post 19 above, the Limitation period no longer applies, as legal action was taken.
CCJ`s do not become statute barred either, but, as no enforcement action was taken within 6 years, Capquest would need permission of the court to enforce it now, and, due to the passage of time, this is very unlikely to be granted, and it would also cost them money.
Write to Capquest quoting the legislation, tell them straight you are not paying, and invite them to do their worst, you will most likely not hear from them again.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 -
Given that it’s your debt, that the courts agree, and that you aren’t happy being chased for it, would it not make sense to pay back what you owe on this one?0
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