Uploaded as requested. Actually two separate letters in the envelope. Looking at the FAQs that CAPQUEST is part of the INTRUM Group so not sure what the point is?

Hi friendly experts, Thanks again for your help with this so far. Update: After hearing nothing since my PO was returned, I received a letter this week from CAPQUEST (not DrydensFairfax) Saying that my "debt" has been sold to Intrum Poplar Designated Activity Company. It then goes on to say that DrydensFairfax will continue to service my account. What, if anything, does this change? Thanks in advance!

Hi all, Hope you are keeping well. So yesterday was day 9 of the 14 allowed and I received my Postal Order back with a short handwritten note on PLAIN paper saying "Hi, The enclosed postal order is no longer required. Thanks" I assume this means they can't find/access it. What do I do now? Send them a letter or just ignore them from now on? Thanks in advance

Thanks both, I’ll keep you posted

Hi D Thanks for replying so quick. Can you expand a little about what you mean about zero legal powers please? I’ll do the CCA Request, is it still £1? thanks again F

Hi All I’ve recently been contacted by Drydens Fairfax who are putting pressure on me about a very old Capital One balance (more than the double the statute barred period but I couldn’t get any joy with the unenforceabilty that I had with other cards back in the day.). Therefore I have been consistently paying a small sum, increasing it from time to time. The question I have is this. If I make an offer of partial settlement, would it still go against me on my credit score after all this time? Or because it is still a live debt it would still count? I work in places were a good great credit rating is important so this is a key factor for me, and my credit score has fully recovered. Thanks in advance.