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Capquest chasing debt on a dro

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Hi, I was granted a dro back in 2017 and included on that was a debt with the rbs , I received a letter from the rbs saying my account had been closed with a nil balance in early 2018 , I am now receiving calls messages and letters from capquest demanding payment , I rang them and tried to explain about the dro but they won't accept it and keep demanding money , any suggestions please

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  • sourcrates
    sourcrates Posts: 31,530 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    This happens quite often with DRO`s, you listed RBS as the creditor, but in the meantime they sold the debt to Capquest, who never got the official message.

    It should be easy to deal with this, stay off the phone, no use telling call handlers anything, as they cannot process it, send a letter explaining you were in a DRO, enclose a copy of your arrangement, tell them that any further enquiries must be directed to the insolvency service, and you consider the matter closed.

    Any further correspondence or demands for payment will be dealt with in the small claims court.
    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
  • Thanks for the advice I will get a letter sent off straight away.👍
  • sourcrates
    sourcrates Posts: 31,530 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Zippy9675 said:
    Thanks for the advice I will get a letter sent off straight away.👍
    One other thing, if they are reporting to your credit file, then the debt should show as settled, with nothing owing, and a default date prior to the start of your DRO, include that in your letter also.

    And make sure you head the letter "COMPLAINT".
    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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