We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Drydensfairfax Solicitors
Mash91
Posts: 19 Forumite
Hi, my first post in the forum!
I've had a default with Capquest which is due to go off my credit file in April but now im getting letters after no contact in around 3 years threatening me with a ccj if i don't reply, what do i do?? I'm saving for a house i do not want a ccj, this has come from nowhere.
I've had a default with Capquest which is due to go off my credit file in April but now im getting letters after no contact in around 3 years threatening me with a ccj if i don't reply, what do i do?? I'm saving for a house i do not want a ccj, this has come from nowhere.
0
Comments
-
Sorry i forgot to mention the letters are coming now from drydensfairfax Solicitors.0
-
If the default has been sitting there for almost six years then this has hardly 'come from nowhere'. Your creditor is probably looking at the debt now as it is getting close to the point where it will be statute-barred. If it is genuinely your debt then you will need to look at settling it if you want to be approved for a mortgage anytime soon. Any further recovery action, such as a CCJ, would make securing a mortgage very difficult.Mash91 said:Hi, my first post in the forum!
I've had a default with Capquest which is due to go off my credit file in April but now im getting letters after no contact in around 3 years threatening me with a ccj if i don't reply, what do i do?? I'm saving for a house i do not want a ccj, this has come from nowhere.0 -
Was it a consumer credit act debt ?
If so, send a provit letter to them, that has the effect of putting collection activity "on hold" that should take you over the April deadline, after which it will be statute barred.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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards