Capquest/AGG - on a fishing expedition...

Secret_Squirrel1970

Butting in on my own thread…..  so I think that’s ok.

Now I think about it, it stands to reason, whatever has brought it about, I have popped up on the radar again regarding debts from 2010.

Balance of probabilities would indicate this Moorcroft contact is regarding other debts from the same period as the Capital One/Capquest/OPOS that started this thread.

2010 the bottom fell out my word, I gave up my flat and moved into a friends back room. All ties with old address were cut.

In addition to the Capital One card at that time (see original post) I will have had a current account with Barclays (which will have been overdrawn) and, iirc, a Barclaycard too. This is where I believe Moorcroft are involved.

There will have been no contact, no use of, no acknowledgement of any of these debts, balances since 2010. In fact they didn’t have my address, I was sofa surfing almost for a couple of years before gradually rebuilding.

Barclaycard – not worried about, I know it will be statute barred just as the Capital One in the o.p

However, current account/overdrawn balance, not sure how it works with that –  does the 6 year s.b still apply?

ManyWays

However, current account/overdrawn balance, not sure how it works with that – does the 6 year s.b still apply?

The six years still applies, but the start date is harder to define because with a current account, you don't pay the interest each month yourself; it is just debited to the account, so how does the bank know when you "stopped" using the account? But if there has been a default, on your credit record, that is a good indication, does this account still show on your credit report? If not, then a default must have been issued over 6 years ago so it has now dropped off. 

Secret_Squirrel1970

ManyWays said:

However, current account/overdrawn balance, not sure how it works with that – does the 6 year s.b still apply?

The six years still applies, but the start date is harder to define because with a current account, you don't pay the interest each month yourself; it is just debited to the account, so how does the bank know when you "stopped" using the account? But if there has been a default, on your credit record, that is a good indication, does this account still show on your credit report? If not, then a default must have been issued over 6 years ago so it has now dropped off. 

Personally I would contend that no communication, no renewal of cards, no transactions, no response to letters in 14 years, let alone 6 would mean that could be considered inactive/dead/statue barred - but I know, officially, it may not work that way.

That checking of my credit file is scheduled for this evening - if it can be done as easily as all that online.
I have the free Experian app - but it only shows my score/rating I think, which is still "Excellent".

I have access to Transunion via my Bank Account/app - and I haven't looked at it, for some reason it always seemed to reflect a lower score than Experian.  I also don't know if it goes into details of what shows on the file, or if just gives a score.

So am 'missing' Equifax....

Does CreditKarma fit the needs of what I am hoping to be able to view, details wise?

RAS

Scores are irrelevant. What you need are your credit records. There are instructions on MSE but I've got to go out.

Grumpelstiltskin

SS it's here

Check your credit rating & report for free – MSE

Secret_Squirrel1970

Grumpelstiltskin said:

SS it's here

Check your credit rating & report for free – MSE

Cheers, I will check further through that tomorrow now.....  meanwhile I have used ClearScore and Credit Karma.  

Both of which don't show anything in arrears, or a glitch, or anything related to Barclays and/or Barclaycard.
Also, for that matter, nothing about Capital One. And all of these stem from the same period c.2010

Secret_Squirrel1970

Back to this again....  

I had, based on what I had read, assumed it was just a fishing expedition and with no bites they would give up easily.

Last week, whilst on holiday, I received a text from ResolveCall  giving my name, stating that my account had been passed to them (for a home visit) and providing a link to click.    
I get so many spam, phishing type texts and this just looked like one of them so paid it no mind.

Today, a letter from Capquest - referencing Capital One card debt.   Main purpose of the letter was to inform me that as I have not responded, not contacted them to set up repayment they have passed it Resolvecall Ltd to carry out and visit and see if an agreement can be reached.

I just cant get my head round these chancing bas**rds just dredging up accounts that are certainly statute barred.  There has been no contact, no payment, no acknowledgement of this old credit card debt in at least 15 years.

I am not worried about any alleged, potential visit, I know these are powerless debt collectors and its all mainly bluster but is there a way of just putting this to bed and stopping this endless cycle of bottom feeders.

EDIT: - nothing showing on CreditKarma or ClearScore. 

Does seem they are still fishing so while I am aware they will get nowhere it is a pain in the backside...   is it worth using a Statute Barred letter just to get this to go away?

sourcrates

Send the prove-it letter hybrid, basically you don`t owe any debt and if you did it would be statute barred anyway.

Just add that line to the prove-it letter, where it says:

I have no knowledge of any such debt being owed to [company name].

That should cover all your bases.