Thank you. That makes sense.

Good point.

Thanks for the reply. I do not know what my cra file is, but on Noddle all my addresses are showing going back 15 years, apart from a few months where I stayed in a mates spare room. 'Parking fine' was just an example. I am just concerned in case there might be a bill gone to an old address that I did not know about, and I want to make sure I don't get my credit rating screwed up.

Whilst I appreciate the responses I am getting on here, they seem to be saying to just ignore them, without giving any reasons why this is the best course of action. What I don't want to happen is to find out months down the I suddenly have a CCJ because they took me to court over some parking fine I knew nothing about, for instance. If they have been sending letters to an old address or something, could they potentially take me to court over something I do not know about? This is my worry.

Assuming they have bought some old debt. Is there anything they can do if I just ignore their texts? I just want to make sure I am on a firm legal footing here. Would it not be an idea to just ask them what it is about?

I have blocked their number. Is this a good idea?

OK thanks.

Hi. First of all, thanks in advance for any advice. Today, out of the blue, I received this text: "Message for ...... we need to speak with you today regarding a personal matter. Please contact Capquest on.... quoting ....." I did a quick google and found out they are a debt collection agency. I have no outstanding debt that I know about. About 20 years ago I had a few small debts I didn't pay, but over the years I have paid off all the ones I found on Experian etc. About 5 years ago I started rebuilding my credit score. And 2 years ago I bought a house. My credit score is currently good, I have no CCJs or outstanding debts on record as far as I can tell. I now have no trouble getting credit cards or loans etc. I can only imagine this is either a mistake, or they have bought some old statute barred debt and are trying their luck. If it was just me I would ignore it. However, I am now living with a partner, expecting a kid, and have a mortgage so I want to play it safe. Can you please give me any advise on how to proceed with this? Thanks again! J.