I have received a letter saying I owe £1,058.23 in working tax credits overpayment from April 2012 (£663.32), April 2013 (£293.88) and April 2014 (£101.03) I know it is not a massive amount but how can I query this from such a long time ago? There is no other info in the letter just a Statement of Liabilities detailing the dates and amount as shown here. I know I had working tax credits when I went back to work after an illness but not sure how I ended up owing them this money. Any help or advice would be much appreciated x

Thank you both Thank you @dx100uk for remembering me from years ago and for always giving me advice. I know that is the point of this group but I just want you to know how much you have helped me, mentally more than anything

I don't have a claim form or know what one is

Good evening all. So, I have had a letter back from capquest following my SB letter saying: "Upon further investigation we can see there has been a County Court Judgement (CCJ) applied to the account on 13/05/2016. Case No. C******W. Therefore, under the Limitations Act 1980 this account is not statute barred. We also wish to advise this account is no longer placed with us and all questions, queries and payments should now be directed towards Arrow Global." That doesn't sound good

Consumer Credit Sourcebook?

I shall do that. Thank you for the advice. Again If they persist, which I suspect they will, is there some way of making some sort of complaint? Harassment or something like that? This needs to be stopped. I can't believe they can get away with stuff like this.

Evening good people. it looks like my SB letter has had no effect. I have just arrived home from work to an envelope marked Private & Confidential and inside it a card from resolvecall for my URGENT attention saying they have called today at 1pm and for me to contact their head office. What is the next stage here because the SB letter I have sent clearly hasn't had any effect

I shall send it tomorrow. Thank you @dx100uk x

It all looks exactly the same as the other letter yeah. I have no idea what this is so I'm gonna say yes for not used or pain in last 6 years. What the hell was I doing all these years ago?!! What shall I do? x

Thank you @dx100uk What does that mean? Letters crossed? This second letter is for something else (that I have no idea about). How do I just make all this stop? Isn't this like some form of harassment? It feels like harassment.

I received another letter from capquest today, the same wording as the first one telling me that resolvecall will now be managing my account etc but this is for £319 Shop Direct. I have no idea what is going on. My question @dx100uk should I just send another SB letter to them for this? x

SB letter sent today

Thank you @dx100uk I will get that letter sent over the weekend. I have just read through all 10 pages of my original thread from 2012 - 2016 and my head has fallen off. Like, I am reading the things I have typed and responded to and queried and questions I have asked and comments I have made but it is like they are written by someone else. I do not remember writing all of that. This fiasco has been going on for YEARS! I joined this group in 2006! On the subject of my medical issues I have, to date, had 2 SAH's (2007 and 2015) and 5 brain surgeries (the last one being 2019) including a craniotomy I am diagnosed with chronic daily migraines which I have regular treatment and preventative medication for. I had 3 MRI's last year alone due to my brain issues. I have recently asked to be referred back to the neuropsychologist because I have issues with anger and and see people on fire when I am very stressed and the more stressed I get, the harder it is for me to concentrate and remember things. Let's just hope they are polite when they come knocking at my door. I can't do this, I need it done and sorted once and for all this time x

It doesn't ring any bells I'm so sorry I'm not being helpful at all. I just can't remember. Even reading over that old thread that I started doesn't jog anything in my memory. I'm sorry, it is very frustrating, I just can't remember. I can't remember about 70% of my entire life and this debt is just like a lingering thing that just pops up every million years like groundhog day and I am back to square one. Again

I have not paid anything in the last six years and I do not have any paperwork regarding this. I moved house about 9 years ago so if I had paperwork it has either been lost or trashed. There is an account number on the letter from resolvecall that I received today though but it is not the same as my account number with Santander now

What was the question again sorry

Ok so don't ask Santander, don't engage with the dca just send them a Statute Barred letter? They will leave me alone then?

I have today received a letter from resolvecall giving me 7 days to get in touch with them and if I don't then they will arrange to visit me at my home (in line with covid restrictions). I am thinking I might ring Santander and ask them if I do actually owe this money. Looking back through that old thread of mine on here, this has been going on for over 20 years It is not going away. Or would it be worth me going to CAB and asking them to look into it? Calling at my house is not going to end well I'm thinking if I phoned Santander and asked them to look into it and tell me yes or no this is my debt. If it is my debt then do I arrange to pay it through Santander or the dca? I know what you're saying about dca's being **** (and I wouldn't argue with that right now) but this just all feels very horrible and stressful Actually, reading @dx100uk signature I will not pay these people even if I DO owe the money. That said, if I do owe this money how would I go about paying it? DCA's view debtors as suckers, marks and mugs NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type and they are NOT and can NEVER be BAILIFFS. even if a debt has been to court.. If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight.

It feels like this has been going on forever! Will they just keep hassling me until I do something? How do I make this stop?

"Customer Reference: zxxxxzx That is the reference number on the letter from capquest. I don't know how to get the reference number from the other one, I have no paperwork Should I get in touch with capquest? Or ask my bank directly seeing as how I bank with Santander?

That looks like my post and your username @dx100uk rings a bell in this addled brain of mine I had totally forgotten even posting that until just now What should I do? Will they keep knocking at my house? If they will not leave and I phone the police 101 what do I say to the police? I would not have thought the police would get involved with something like this. Will this ever end x

Evening good people, Yesterday I received a letter from capquest saying "We are writing in relation to your SANTANDER account, with which the balance of £1327.20 remains outstanding. We note that you have yet to contact us to discuss a suitable repayment option for your account. Your account will now be managed by resolvecall, a debt collection agency who work on behalf of capquest and are also authorised and regulated by the Financial Conduct Authority." It goes on to say that they specialise in visiting customers' properties etc. I also received a text message from resolvecall yesterday at 11.52am saying "Your account has been passed to us for a home visit. To prevent please visit www.myresolvecall.co.uk/?id=G9Kfpn. Thank you." I don't know what to do. I am a customer of Santander already and have an overdraft with them and have always found them to be very helpful when I have needed help. Would they not surely have mentioned this debt to me before now? I don't know (I don't remember) what this debt is or when it is from or what I should do next. I have read reviews about resolvecall being aggressive and abusive and not very helpful at all and I do not want people like that turning up at my front door. I have had ongoing issues with my brain since 2007 (2 brain haemorrhages, five brain surgeries, chronic daily migraine sufferer) and I just don't want the hassle of people turning up at my door. Should I get in touch with these resolvecall people by telephone? Or capquest? If I genuinely do owe this money, I am not trying to get out of paying it, I just have no recollection of it at all and I do not have £1327.20 to hand to just pay it off. Help x

Yeah legal costs. Should I just ignore the letter/statement?

Having heard nothing since the court judgement thing, I have today received a 'Statement' from CapQuest with a letter attched explaining that under the terms of the CCA they are required to send me regular statements detailing any activity on my account. I'll receive one statement every year whilst the balance remains outstanding. Details on the statement are: Type of account: Bank Account First movement on account: 30th April 1999 Amount of credit: Your agreement was terminated on 10th November 2007, so your credit limit is £0.00 Then it goes on to show 'Adjustments' in April and May 2016 which show a total of £194 being added to the original balance.

I don't remember doing a reclaim, what would that entail? It was so long ago. The only things I have are what Cap Question have sent to me and then their solicitors etc