Cap Quest

alstorey

Hi, my girlfriend has received 3 text messages from cap quest requesting her to call to discuss her account. We don’t know what this is about and have not called them back. She only took out a car loan and we think it is possible it triggered her name on an old debt database. She has not had any finance in the last 7-8 years so if it is her debt it has to be over 6 years old. The only thing we think it could be is an old phone contract. Should we call them for the details or ignore. Her clear score and Experian credit score does not show any debts other than her car finance she took out 3 months ago.
thanks

sourcrates

Hi,

You only have to respond if they write to you, emails, texts calls etc can be ignored.

If they are serious, they will eventually put something in writing, then you would respond with the provit letter.

Sounds like whatever it is may be could be statute barred, so let them do the donkey work, don`t correspond with them unnecessarily.

Ask for advice here if required.

alstorey

Hi,

Thanks for your reply.. I assume interest would not be added in the meantime then?

sourcrates

alstorey said:

Hi,

Thanks for your reply.. I assume interest would not be added in the meantime then?

Interest is not applied to a phone contract anyway, or any other debt, unless the original agreement allows for it.

Once a debt defaults, no further interest or charges can be added.

alstorey

just recieved a call from them.. i said to send a letter as we didnt want to give them any information..

sourcrates

alstorey said:

just recieved a call from them.. i said to send a letter as we didnt want to give them any information..

Good, well done you.

When companies phone up and say "you have a debt to pay", its blah blah, how would you like to pay ?

it kinda puts you on the spot.

Much better to get them to prove its your debt, in writing, before paying anything, as mistakes and mis-traces do happen all the time.

alstorey

Still no letter recieved and they still keep texting.. They havent called again, as i would just say to send a letter.

When they last rang we didnt answer any security questions other than confirming a postage address.. I assume that is enough for them to send a letter if they wanted

alstorey

Also,
my partner just received another text from capquest today saying ‘you no longer have an agreement in place with us on your account. To get back on track reply 1 by text’.
does this mean they have given up or is there a chance they could proceed in another manner or even sell on the debt?
thanks 

sourcrates

It means nothing, it’s just a text sent with the intention of getting you to contact them, to get the money from you, no more, no less.
Ignore them, as advised, until they write to you.

alstorey

Hi again,

We just had a call from capquest. We said to send a letter in which they said they did already but we have not recieved anything.

When we asked what address was it sent to they said they couldnt say unless we answered security questions. Should we answer the security questions? because if we dont i dont think we will ever find put anymore details on this

Thanks

alstorey

Hi again,

Just wondering if this could come up in a hard credit search. We just applied for a mortgage and hoping this isnt going to be an issue. My partner has had car finance approved a few years ago with no issue so I assume it shouldnt come up on her credit report?

Thanks