Capquest - text messages and emails

ac427
ac427 Posts: 125 Forumite
Part of the Furniture 10 Posts Name Dropper Combo Breaker
edited 11 August 2021 at 5:52PM in Credit file & ratings
I have received some random txt messages and emails from Capquest claiming a document is waiting for me.

I presume this is some phishing attempt or a method of duping me into accepting a debt. I don't owe anything and have newer defaulted.

I've check my credit reports as described on MSE but can see no 'red flags'

Should i wait for an actual postal letter from them?

Am i in danger of accepting a debt by logging into their website?

Is joining CIFAS the way to stop this happening in the future?

Comments

  • You can only acknowledge a debt in writing or making payment to it.  Even then, you can't acknowledge a debt that isn't yours and be lumbered with it.
  • sourcrates
    sourcrates Posts: 31,041 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    edited 11 August 2021 at 8:10PM
    You only need respond if they can be bothered to write to you.

    There is no requirement to acknowledge emails/calls or texts.

    It sounds like Capquest are on a fishing trip, looking for a bite.

    Once they have written to you, respond with the "provit" letter, from the DFW stickie board, don`t get into protracted conversation with them on the phone either, it never ends well.
    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-letter
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