This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I understood they kept only the last 24 months of payment history, but perhaps someone here knows more than I do (I know, unlikely but still...)

cplusa, just a thought but have you looked at Santander's account offering? Completely free banking and it was an easy application when I did it recently. Even if you got turned down there, assuming it'll take a little while anyway for your Experian file to be cleaned of the erroneous info and for you to appear on the electoral roll, the failed application won't do any harm, and who knows you might get accepted!

Interesting to see how this firm has changed over the few years this thread covers - evidently they've moved offices (have new address and phone number now - no longer a 0870 one) and a website and email address on their paperwork. I've received a letter today regarding an old debt which I settled many years ago (F&F agreed at approx 50% because it was mainly charges, sadly I was too ill informed then to know better than pay it at all) but which has since been sold a couple of times and is now with Capquest. I'm pretty sure it's statute barred now, certainly it doesn't appear on Experian. There's no danger of me paying it because I don't owe it, but after reading the last post from rev.ian I'm wondering whether my best course of action is in fact to ignore them completely for the time being? The last thing I want is to do anything that gives them an opening to extend the 6-years-since-action thingy even though it'd be wrong for them to do so They haven't harassed me - this is the first letter so far though I did get a number of calls and a couple of letters from Capquest, so I'm happy to ignore them (even though I'd written a great letter even if I do say so myself) if that's the best course. Anyone got any feelings either way?

Some news on my case: Went to the court, signed the bits, left a note that I was away until about now in September. Got a letter a few days later from the court telling me I have a hearing on 26th September. Will make additional application for costs for attending that, too I think.

Thanks saintly. Can't thank you again, but will do as soon as I can!

Great stuff, should be a worthwhile claim for costs, then - it's taken ages to get this stuff sorted! Does this look ok for my affidavit: that look OK? What else do I need to provide. Obviously the letter referred to, and the SD itself - do I need to provide the original SD or a copy? Almost the end of the stupid questions now!

Hmmm. Right, ok - possibly not worth bothering with that bit, then, since I'll presumably have to get my employer to prove that I lost a day's wages? I'll post of the detail of my application shortly, if perhaps some kind soul would check it? I am correct in thinking that I can fill in most of it and take it pre-printed to the court to sign etc?

Hi again, all. Question about my application for a set aside, which I'm going to make tomorrow: I intend to make a claim for costs, but whilst most of it's pretty clear, what is the accepted method of working out the value of a day's wages lost? Monthly take-home pay / 20 or so?

Well, it worked! OR at least, long enough to panic. Am I correct in doing the following: Post SAR to RBOS requesting info Post CCA request to CapQuest asking for agreement, documents regarding assignment of debt and statement How's my CCA, above?

Hi woody, a) No, it would appear they don't b) I assume because 1) it's very expensive (I've read it costs them £1000+ to petition for bankruptcy) and 2) if they do make you bankrupt they're taking a gamble as to what you actually have to pay them with - once they've made you bankrupt they'll get their share of what you own but that's the end of the matter. The may feel they'll get more in the long run by obtaining a CCJ and extracting the money from you normally, over time.

One related question, if I may? The address that Capquest hold for me is not my present address. I have since moved, but neglected to inform them of this because of the constant phone calls and threats of doorstep visits they have been making. I understand that I can claim for reasonable costs incurred in having to attend to apply for a set aside, but I would presumably be disclosing my new address to Capquest in doing so, which would be a bad thing. I don't mind not claiming if this is the case. However, the SD was sent by regular first class post. I intend to make reference this is my affidavit (that they simply posted the SD despite the ongoing dispute over the debt and that this implies they're not taking it seriously) but, if I encourage them to deliver further documents in person I'll end up in an argument over my address. Do I have an obligation to give them my new address? I have a redirection in place so I receive all the mail sent to the old address so there's no benefit to me in telling them

Hi Saint, Right, I've looked at the SD and it states that Now I know that I have never taken out a loan. Is it possible that a current account (overdraft) or credit card could be represented as a loan? Second, I have sent them letters in the past (though I only have a copy of one letter) stating that I dispute the existence of the debt and inviting them to send proof. Nothing. Is there anything more specific you mean by a 'prove it' letter? I have drafted the following CCA letter to Capquest: I will make an application to set aside the Demand as soon as I can (possibly not until next week.)