Hi everyone,
Total newbie - haven't used forums before but hoping to get some advice.
Around 20 years ago I had a Providian credit card - I had to give up work due to illness and fell into arrears.
I owed around £500 but with no income, couldn't pay so the debt was handed over to a company called Capquest.
I saw a financial adviser at the time and he contacted Providian on my behalf
- primarily to get the interest being added to the account stopped, which initially they refused to do but then it was stopped and the debt was passed to Capquest.
The adviser arranged a payment plan with Capquest of £5 per month, which was all I could afford.
I did have "Payment Break Plan"
- never really understood what this was but was told I should take it out when I got the card
- I felt that if I refused I wouldn't get the card so agreed
I never heard anything more about it until Saturday when a letter arrived from Barclays
- it says they have identified potential issues with PBP that I was sold and they want to invite me to complain if I think I was affected.
There is a long questionnaire of 11 pages to be filled in and sent back
- much of what they are asking I really cannot remember
- why I took the card out in the first place, date I took out the PBP, details of where I worked including company name etc.
Whether I was paid for being off sick, if I had any health problems when I enrolled in PBP, detailed explanation of why I think I might have been mis-sold PBP.
I don't have any details of the account now - it's 20 years ago!
I do not have any statements
- all I have is the correspondence with Capquest
- last contact with them in 2007.
Do you have any advice on what I should do please?