We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!
Capquest
Options
Comments
-
"Debt collectors" have no more power than next door's cat, so ignore. Keep very quiet meantime.
However, if you sent a statute barred letter, you've probably restarted the 6 year enforcement period. Just hope that if you don't respond they forget you.If you've have not made a mistake, you've made nothing0 -
Hi. I was contacted recently by ACI, they have bought an old debt from Capquest. It is two debts with the same home shopping company, I think I opened them 16 years ago when I had my baby. Occasionally over the years they have sent a letter or statement but never particularly pressed me about the debt. So this new company were saying that they were going to pass me to another company who would send someone to my home if I didn't respond etc etc. When I looked into things, I was pretty sure the debt was statute barred. I found a template letter and sent it to them, I did not admit the debt. They've written back to tell me that one of the debts is indeed stature barred but the other isn't as I apparently paid them 5 pounds in 2019. I don't remember this, is was a very bad time, my child attempted to unalive themselves and I am their full time carer ever since. I checked my bank statements and I did make this payment a few months following the incident I just mentioned. They have closed the statute barred debt and are still saying that they willing get this other company to come round. What should I do? It's for about 1,300 pounds, we are very low income. Is there any way I can delay things? The debt becomes statute barred on the 18/3/2025. I am a home owner, I don't want to risk my home over this. Thank you.
0 -
sourcrates and I already responded to your other post. Maybe we can disentangle that from the other thread and merge?If you've have not made a mistake, you've made nothing1
-
Thank you. I'm new here and learning how to navigate the forum!1
-
Both threads merged, best to stick to just the one thread at a time, saves getting multiple answers and a lot of confusion.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-letter1
-
I made sure to state that I did not accept any liability for the debt in the statute barred letter.0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards