Being Chased for a really old debt(s)

RAS

Front page of this sub-forum, just above you right now. The last of the stickies, Prove it and Statute barred

midlandshelp

I feel its getting worse, ive just had a notification form my Experian credit file that in the last 24 hours ive had about 12 insurance people do a soft search of my credit file... ive 100% not applied for anything... i feel my situation is worse that i thought i think im getting shafted here

RAS

If possible g.o into your physical bank and ask them to look. I'd take the precaution of taking out some cash in case they lock the account

marcia_

midlandshelp said:

I feel its getting worse, ive just had a notification form my Experian credit file that in the last 24 hours ive had about 12 insurance people do a soft search of my credit file... ive 100% not applied for anything... i feel my situation is worse that i thought i think im getting shafted here

 These might be soft searches so not so concerning. Have you previously searched for insurance or let a company know when your renewal month is? I bought insurance from a comparison website and the next year they automatically searched me. 

DankVielen

midlandshelp said:

Thanks so much for everyones advise.
Ill be sending the latter tomorrow, will update hopefully with positive news, it kept me up all night last night i really dont want to live like that again

Any update?

Many have posted similar experiences, a company called Intrum apparently bought Capquest, it would be interesting to have a prove it letter to establish the real original lender they alleged you incurred the debt with.

Your experience mirrors comments I have seen elsewhere including one where Capquest were in the role of Debt Manager appointing Debt Collectors, i.e. they did not own the debt.  

As such not only would this be a breach of GDPR because of the lack of a lawful basis if the company who owned the debt had not instructed ACI or Capquest to enforce again.  It would be a massive breach for Capquest to make statute barred enforcement activity when they know or should have know that that it was statute barred purely for the purpose of determining if you were a sucker and that Intrum should then try to buy it.  I am not accusing them of doing this but they are chasing an awful lot of Statute Barred debt and Intrum have made assurances to the FCA that they would behave.  At the same time Intrum are in Chapter 11 Bankruptcy in USA and "restructuring" which is apparently a form of being in administration.

I noticed that Fitch recently pulled it ratings completely

https://www.fitchratings.com/research/non-bank-financial-institutions/fitch-affirms-intrum-withdraws-ratings-12-06-2025

I am curious what further activity you experienced from ACI who like Verify is part of PERCH Group, along with TMLegal, they are essentially a number of companies all sharing the same address and ownership.

I am curious to know how many times Verify came and whether it was referred to TM Legal?

sourcrates

OP last active Jan15th, only joined two days previously, I doubt they will be back.