Hi all, I had a 50%/50% mortgage with an ex partner in 2004 - 2006 when we broke up. The property was repossessed in 2007 (I moved out) and was sold at a loss. In 2009 I received a letter from Drydens Fairfax stating that I/WE owed £32,xxx by way of shortfall. I contacted a solicitor and ended up due to circumstances paying £40/month which I have paid religiously for the last 9 years. BY my reckoning I have paid approx £4,500 to them. A low amount for sure, but I have young dependants and being self-employed my finances aren't what you'd call brilliant or consistent. In 2012 I rang Drydens asking if my account was up to date and they said yes, there was no problem, so I continued paying. Up until today - I have received a refund in my bank from them, with the reference of "Archived Ca Account" of the £40 I have just paid. The problem is, I have moved home and never updated my details with Drydens . . actually I moved in 2010.. so I do not know the "status" or anything of the account. My reference number has never worked on their online portal for checking the status of the account, but I figured since I never missed a payment and that I had rang up asking if everything was okay with the account,that it didn't matter much and I've just been getting on with life. My question is - why would they suddenly reject the payment? And what do I do for the best here. I have no contact with my ex, so no idea if she has paid anything toward the debt (highly doubtful!!!) but equally I have no idea if the debt has been transferred elsewhere, or simply written off. I have a hard time believing that they'd write off the remaining £27,xxx but I'm not sure what to do for the best here. I'm now married and have a mortgage with my wife who is worried we'll lose our home because of this - all I want is a peaceful life and have been paying regularly what I agreed to pay. I plan to ring Drydens in the morning but I'm scared it will open up a can of worms. There's nothing showing on my credit file - no searches, no CCJs or anything like that. Any help would be most appreciated. In summary: 2004 - Mortgage starts 2006 - breakup, both moved out. 2007 - repossession due to neither of us paying the mortgage 2009 - Shortfall letter, solicitor contact, £40/m payments start 2012 - Rang up and made sure account was okay - was advised it was fine. 2018 - £40 payment gets rejected and refunded. Thank you.

Hi I'm looking for some help with the following claim from Capquest / Drydens. I receievd a letter from Capquest in Decemeber 2014, chasing an old Halifax Credit Card Debt, I responded with 1. CCA Request 2. CPR.31.14 Request which they acknowledged, but they did not supply the documents. They then start court proceddings, I submit a Defence to the court and the case was stayed after a few weeks. ==Defence Submitted 1. I have had financial dealings with Lloyds Banking Group in the past but unsure of any balances or ever been contacted by Lloyds Banking in connection with any outstanding debt. 2. I am not aware or have ever been informed of any legal assignment of this account number to the claimant It is denied with regards to the amount the Defendant owing monies to the Claimant and the Claimant is put to strict proof to: (i) Show how the Defendant has reached the amount claimed for. (ii) Show the APR and interest used to calculate the amount claimed for. On receipt of the claim form I served a Section CCA S78 request on the claimant, on which the basis of this claim relies upon. The claimant has yet to comply. I also sent a CPR 31.14 request to the claimants solicitors this was signed for on the 19/02/2015 again has yet to comply. Therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. Until such time the Claimant can comply with my request for a copy of the credit card agreement it relies upon they are prevented from enforcing or requesting any relief as pursuant to the CCA 1974 By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. ==Defence Submitted I have recieved a letter this morning from Drydens, they have also included : A signed copy of the Agreement, A letter from them saying they are looking after the debt A Number of Statments and a default notice, but there is no information on Names, Accounts, its all been blacked out. There giving me 14 days to contact them or they will apply to have the stay lifted at the court. From the statements, it looks like the last payment was on the 26th June 2009. There was another payment taken in July but was reversed the day after. I'm at a bit of a loss of what to do next, and just wondered if anyone had any advice. Thanks in Advance Darren

Name of the Claimant ? Capquest Investments Limited Date of issue – 3rd May 2017 Date to acknowledge - 21.05.2017 date to submit defence =04.06.2017 (33 days in total) - What is the claim for – 1. The claim is for the sum of £886.32 in respect of monies owing by the defendant on a credit agreement held by the defendant with Shop Direct under account number xxxx upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. The balance owed was assigned from Shop Direct to the claimant and the defendant has been notified of the assignment by letter. What is the value of the claim? £886.32 Is the claim for a current (Overdraft) or credit card /loan or catalogue or mobile phone account? Catalogue account When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. The account was assigned and the debt purchaser has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes Why did you cease payments? At the time I was a graduate and got behind on loans What was the date of your last payment? The account went into default in February 2012. I haven't made a payment since then Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? No All advice would be greatly appreciated thanks. I should note that I already have a CCA for this from Capquest from November 2012.

Hello everybody, I am acting for my partner who had PPI added to his Capital One credit card account one month after he took on the credit card. He did not sign or tick a box to accept PPI. He was quite clear to Capital One during the application process - he didn't want PPI. One month after he signed the agreement, Capital One telephoned him and asked him to have a direct debit. He said yes to the direct debit. He always worked very long hours so did not notice until last year that Capital One had added PPI to his account the same day as that phone call. As soon as he noticed, he cancelled it. Capital One refused to refund the PPI payments. We went to the FOS, whose adjudicator gave his decision that because my partner spoke to Capital One in that telephone conversation one month after opening the account, my partner "must have, on the balance of probabilities", agreed to taking out PPI. This, despite the fact that my partner provided the copy original credit card agreement, (hard evidence), and Capital One only provided the standard blank telephone script. We complained to the adjudicator and asked for an ombudsman to take on the case. The adjudicator wrote back explaining his reasons in full, and saying he wanted to "resolve the matter informally", and asked my partner again if he wanted to put it to an Ombudsman, or accept his "view" so as "not to delay matters further". My partner has written back saying that he had already requested that the matter go to an Ombudsman and that he is contacting our local MP. I personally believe that the FOS have agreed a quota with the credit card companies, as to how many consumers' claims they will let through (decide in favour of), and that they are now under so much pressure due to the number of claims they are processing, that they now wish to get rid of as many claims as possible, without looking at hard evidence. I believe it will take interference from an MP to get a fair investigation and a fair decision from the FOS.

Hi guys, new here and after some advice on a rather messy situation if possible..... Around 2011/2012, i was discharged from an IVA id been paying into as i lost my job at the time, was out of work for a lengthy period, and had no way of covering the amounts set. The IVA company handling my account told me the creditors would "probably" start contacting me again in pursuit of the monies outstanding. Some did, some didn't. After a period of around 6 months, i was offered settlement on a couple of these, which I accepted. As i wasn't being pursued by the others, i assumed the matters were closed. Naively. Roll on to 2 weeks ago when I received a letter from Drydens, this was a phishing letter as they wanted to know if i lived at my new address, of which ive been at 8 months. No mention of debt, just an "is this you" letter. i ignored it. Today ive received another letter from them, addressed to me and detailing the debt of approx £1200 to a company I've never heard of. I believe this company to be a Luxembourg company that buys debts. But to me, it could be anyone, and none of the original creditors I owed. After 5.5 years, to be honest, I have no idea who i paid off, who's was left chasing, and who gave up. This amount is on my credit file, but again, i have no recollection of the company Drysdens are claiming i owe this money to. Also, it looks like this debt will become SB'd in December of this year, Dec 2017. There are 3 entries, of which this is one, on my CF that are "closed", whatever that means. where do i go from here? Do i just ignore Drydens, do i ask who this is they claim i owe money to? Do i try and ride it out to SB'd? Any advice appreciated. S

Hi all, Was just going to complete the defence myself as I didn't want to trouble you all with (what I believe is a pretty simple defence), but hopefully this can help others, who are in a similar situation. This morning (dated 6th June) received a claim form, details below: Name of the Claimant: Arrow Global (Drydens Solicitors) Date of issue – 6/6/17 What is the claim for – the reason they have issued the claim? 1. The claim is for the sum of CA £7.5K in respect of monies owing by the defendant on a credit agreement held ny the defendant with MBNA under account number **************** upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. The balance owed was assigned from MBNA to the claiment, and the defendant has been notified of the assignment by letter. Contact Drysdens Solicitors on ...... What is the value of the claim? CA 7.5K Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CC When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, after SB date had passed Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial Difficulties What was the date of your last payment? End February 2011 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No offered £1 per month untilI was in a better financial position but was ignored so ignore them and their letters. I'm assuming this is a pretty simple statute barred defence, the last payment was Feb 2011, so first cause of action would have been end March 2011. Looking at my credit report it says in June 2011 payment was up to 5 months late.. (5BB), defaulted in August 2011. Is there any point me filling in the AOS for an extra 14 days, seems I'm just giving these leeches extra time. Just to be clear my defence will be: 1 The Claimant's claim was issued on 06/06/2017. 2 The Claimant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitation Act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. 3 The Claimant's claim to be entitled to payment of £7500 (approx) or any other sum, or relief of any kind is denied. Hope I've covered it all. Main question was do I really need to AOS to give them extra time? Thanks for all the help, both now and in the past. Just a quick note, it's odd they are not claiming interest. Not seen this before, just £410 court fee and £100 solicitors costs. Does that mean they've already paid £410 to issue the claim..?

Hi everyone at CAG I received a claim form from Dryden’s Fairfax solicitors acting for a collection agency called arrow ltd the letter dated 10th October about a credit card I had with Sainsbury’s bank I took out in 1998, I took the claim form to the CAB on 4th November to help me, the CAB contacted the court and was told no judgement had been made yet by Dryden’s, CAB rang Dryden’s and spoke to them and told them I wanted to send the admission form and set up a monthly payment, but I said all correspondence must be done only by letter, the person who was speaking to CAB on the phone asked us to wait and she will speak to her supervisor, she came back on the phone and said they were pushing the CCJ through to which CAB was surprised, I received a CCJ a week later. I had been keeping up my payments with Sainsbury’s until I got into difficulties in 2008 and asked to pay less and agreed a plan with them, I fell into more difficulties and asked to make a lower payment I was told by Sainsbury’s my debt was being passed to a debt collection service, I protested at this because I said the debt was between me and Sainsbury’s to which I was told the interest would be frozen by using a debt agency. I cannot remember receiving a default letter at all, but I was moving around a lot, I set up payment plans with debt collection agencies when they had contacted me. I found out my debt had been sold on a couple of times, I made most of my payments by debit card, some payments were made at banks across the counter, two payments were missing on the statement I saw (because yet again my debt had been sold to another agency) I have one receipt I found. I stopped paying because I fell ill and was trying to claim benefits and the lovely pips (which I got a year later), I do think I paid ppi in the early part off having a credit card with Sainsbury’s. Any advice would be much welcomed please.

Hi First post here. I have an old debt with Egg from around 2000 for roughly £2900. I was on a CAB plan paying £1 token payment for a while at the time but stopped paying , I never heard anything for years and now Capquest own the debt . I think I might remember paying them £10 a month 3-4 years ago for a while but due to financial hardship stopped paying. Though I cant be certain on this as I cant seem to find any details at the moment. They have recently sent me letters again and have refered it to Drydens Fairfax who have given me to the 30th Nov to offer a payment proposal otherwise court action. Which means I`ll have to send them a ltter either today or tomorrow .What should I do , offer £5 a month or something or play hardball. I don't really want a CCJ as I already have one from Drydens at £10 a month for another card debt. I wish I had know of the Statute Barred act before I may(possibly) have paid Capquest 3-4 years ago as it was probably unenforceable back then. thanks Tired and Weary

Hello you lovely lot, hoping for some advice on my options , quick summary , I had a vanquis account a few moons ago (not enough for SB Defence), eventually I think Cabot bought the debt and are now claiming it through Drydens. Claimant - Cabot Address for sending documents- Drydens LTD POC as written on form, Claim Number Defendant Details XXXXX XXXXXX ( My name) xxx xxxxx xx ( My address) 1.the claimants claim is for the sum of £1644.80 under and agreement regulated by the consumer credit act 1974, between the Defendant and Vanquis Account Number xxxxxxxxxxxxxxxx and assigned to the claimiant on 16/03/2016, notice of which has been provided to the defendant. 2.The defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment. 3.And the claimant claims the sums of £1644.80 together with costs. Ammount claimed- 1494.80 court fee- 70 legal rep costs- 80 total ammount £1644.80 i do recall a few letters of generic threats from cabot, not sure if any of them were notice of assignement. I do not think I have been sent any satements showing what I alledgedly owe and how its come to this figure. Issue date on claim form is 29th Sept 2016 yet it only arrived on friday. What should I do now, acknowledge the claim? Thank you for your help Jay

Good Evening Everyone I need some advice on an old cc debt that was sold to arrow global over 6 years ago. No payment or acknowledgement has ever been made to arrow. The last payment to the original creditor was made over 6 years ago. Drydensfairfax are seeking payment or they will take me to court. I have said this is statute barred, however they say arrow issued a default in 2013 so not SB. Bearing in mind I have never acknowledged or paid anything to arrow, are they correct in saying this is not statute barred? Thanks

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Hi, In around1999-2000 i had a card with BoS, which was defaulted on around the start 2001.(balance around £1650 ) I initially made £1 token payments through the CAB, this lasted only around 6 months,when i stopped paying. After being threatened with a statutory demand in 2008 i began paying Capquest £10 a month from 29th OCT 2008. (the balance stated then was £1900.00) I kept this up until 30 Sept 2009. In Dec 2013 they took me to court and got a CCJ for £10 a month which ive had to pay since. (balance had become £2760.00 ?) My question is ,is there anything i can do about this as i believe it was most likely Statute Barred by late 2008 and from what i realise now it probably shouldnt have gone to court . Thanks

Hi, thanks in advance for looking at my post. Basically, in 2006 I took out a buy now pay later deal through land of leather with creation. land of leather told me i would be contacted when i needed to start making payments but never did. after taking out this deal i went through a rough patch after having a prem baby and becoming a single parent in the space of a few months with no job and was extremely depressed and i forgot about the sofa payments. the next i heard i had court papers, i contacted creation to ask if i could start making the payments asap and they told me i had to pay the full amount plus the interest i would have been charged or they would register the ccj. i couldnt afford to do it and the ccj was registed and a charge was put on my house. anyway, the house is being sold, its meant to exchange next week. my solicitor has contacted creation for a balance and it is 5139.19!! the sofa originally cost 1495 and i took a 2 year warranty 240. on my credit file under creation it states 3639 and they have logged every month since 2006 sustained arrears. i contacted creation to ask why the balance is so high, they told me it was now with drydens. i called drydens, they told me the 5139.19 is the balance creation had sent to them and they had never added any fees and didnt have a breakdown. i recontacted creation and i was given the balance of 3638.55 and they told me any other fees must be drydens adding them. i am so confused and neither company is offering to help me or give me the information i need. i am about to lose my buyer. please help me

Good evening, I wondered if you could help me. I have received a county court claim form for a credit card debt. The credit card was capital one and the debt was passed to various solicitors over the years. The debt is now with Capquest and they have instructed Drydens Fairfax to manage the matter. This credit card was taken out over 6 years ago, however I believe the last payment made could be around the 5 or 6 year mark which if over 6 could make the debt statute barred. I have tried to find old paperwork to try and see when I last made payment but can't and I no longer bank with the particular bank from which the payments will have been made. I know I haven't made any payment since May 2010 and could be earlier. The issue date on the Claim a Form is 03 December 2015 and I know I have to comply with timescales. I cannot afford to have a CCJ registered against me as I am looking to purchase a house next year. I haven't received anything from anyone about this debt for around 4 years until a week or so ago when I got a letter from Drydens. They threatened legal action if I didn't contact them within 14 days. I contacted them within this period and emailed for more information. They emailed back to request a paragraph from me to confirm that I was happy to correspond via email I did this, received no further response apart from the Claim Form. I don't know what to do for the best. The debt is in excess of £2500. I also cannot find out when my last payment was. I don't know where to start. Do I acknowledge regardless? Do I attempt to defend with no evidence unless they can prove otherwise? I look forward to receiving your help Thank you

My wife had a Natwest Credit Card Account from around 2001- 2005. It was closed with a balance of about £3000 then sold to Arrow Global. Last payment to original lender was around 2007/8. No acknowledgement or payment made to DCA at all. They wrote many letters in 2012 demanding for payment because we had made a claim for default charges. We asked them to prove but they went quiet but at the same time the claim for the default charges was partly successful but Natwest decided to make that payment to Arrow Global despite my wife's protest. I wrote and informed them that the dedt was statute barred but they never responded. We did not hear anything and no CCA was provided when requested at the time but upon receipt of the claim form early this month, I wrote to Arrow reminding them that they were still in default of the CCA request. They wrote bck claiming that they did comply in 2012 and enclosed a copy of the application for with "T&C" which can not be read. I acknowledged the Claim and also sent CPR request to Drydens for which they responded that they have passed it to their client. They claim that the last payment was made in 2012. The only payment I can think of is the one from Natwest. Does this reset the clock? Can I use statute barred as a defense? Thanks Dot

Hi all Been very quiet on here for quite a while, due to no DCA's trying to contact me about the usual. Today however, I have received a letter from a company called Drydens Fairfax. There is perhaps one debt I have that COULD still be enforceable - mortgage shortfall, sadly! All the others to the best of my knowledge, Statute barred. Any idea who the clients of this outfit could be?? The letter is the DCA's usual, "Are you XXX? Do you know where XXX is?? If you are not XXX, please accept our apologies........." and so on and so forth. Obviously I have no intention of contacting them unless they come up with something a little more convincing. Worrying thing is, the wife has one as well, which means if there is a debt, it's a joint one, and there's only two of I know of that could be - one being the shortfall, another being Wel**** Finance. It's a company based up north, which makes me think it may be from Cattles Group/Welcome finance, which is definitely SB. Any words of wisdom, folks?? Thanks.

I have received this back from MBNA. I have looked through the other MBNA agreements and cannot seem to find one like it. can anyone give advice as to enforceability. My first impressions are that it looks ok and I don't want to challenge it if there is nothing wrong. thanks

Today my wife received a package from Drydens with a copy of an application to remove a stay and proceed in court. It was stayed on the 28th Dec 2013 after they never came back to court following sending our defence. Brief outline wife got cancer credit card unhelpful when couldn't pay so didn't pay. Sygma bank wouldn't supply information asked for and issued default. drydens also wouldn't supply info but eventually supplied copy of agreement which we noticed although signed by my wife it was unsigned by the bank. I am defending the case under POA as my wife is still having treatment and is suffering from depression. We were defending on the agreement unsigned by the bank and not being supplied with evidence of the debt. Today I noticed the copy of the default notice drydens enclosed is different to the actual default notice we received. They are even dated 2 days apart. Also does a default notice have to tell you the outstanding balance?. I have attached both notices.

Hi, A bit of background history. I took out a Vanquis card about 4 years ago, 2 years ago I got into financial trouble and couldn't afford to repay all my debts, everybody except Vanquis agreed to let me pay a reduced sum for a few months to get back on track which I have done. However, while trying to repay everything Vanquis were getting a payment each month but not always the minimum payment and as a result the debt on the card spiralled with missed payment charges, then over limit charges and any other charge they decided to add. I will be honest and say that once the minimum payment got so high that there was no way I could afford it, I stupidly made the decision to stop paying them and concentrate on the other debts (1 bad debt as opposed to 4 bad debts is how i looked at it). In the past year or so I have had a couple of letters from Capquest saying they wanted the money etc, I just put them to the side and forgot about them. this weekend I get a letter from Drydens Fairfax Solicitors saying. "We have now received instructions to issue a claim against you in the County Court to recover the sum outstanding. It is not too late to stop the claim being issued, please call us on 0113 823 3386 or if you prefer write to us at the address below. "(The address is Capquest) They then have a paragraph titled: Information about our claim In here they then list the pre action conduct and how they intend to prove to the court the money is owed. My question is, I do admit I owe the money and do want to repay it so am not looking for a way out, but I do want to try and get it reduced due to the repayment protection policy i had at the beginning that did not benefit me as I was self employed so cancelled it after a few months and also all the charges added to the account. I am sending an SAR to Capquest but wondered if there is any way I can hold Drydens off issuing a cliam as they only give me until the 21st Jan to pay or advise of a dispute, otherwise a claim will be issued straight away. As the SAR takes 40 days that takes me way past the 21st, but I don't want to write to them and let them know that I am requesting the info incase they see that as a trigger to fire of the claim before the info comes through, on the other hand I want them to hold off. I was thinking of writing and offering them a monthly offer (it wont be much as I am self employed, made a loss last year, going to make a loss again this year, get housing benefit and tax credit with no real income) don't think they will go for it, but by making an offer do you think it would it then open dialogue with them enough to hold off claiming? I hope I have explained what I would like to happen, I am not very good at explaining things Any advice appreciated

Hi All I had a credit card with MBNA which I defaulted on, as I couldn't afford the payments on it. I sent a CCA request many moons ago (Feb 2009 to be precise) and all I received back was a template CCA with no signature. I have now received a letter from Drydens Fairfax stating that I must pay the outstanding amount (£10K). It also states if I do not respond by 9th May 2014 then they may commence legal action. I have not paid any money since I sent my original CCA request back in Feb 09. I am also aware that in Feb 2015 this would be Statute Barred ? Is it worth me asking Drydens for a CCA ? Or is there anything else I could do, such as asking it to be passed back to the original creditor ? Regards Lee

OH just got letter from MBNA selling and assigning CC debt to ARROW GLOBAL telling her to pay debt or contact AIC. This relates to CC taken out around 2001 and defaulted 2010, previously done SAR to MBNA and found lots of charges on account. Now that MBNA do not own debt we feel time is right to reclaim charges. Looking over SAR can find lots of late payment charges of £20 and £25 around 2004 - 2006 and many £12 charges 2007 -2010. Whilst I understand that reclaiming bank charges is a no no would I be able to claim back all charges for previous 6 years from now or could I only reclaim those over £12. Also is it too late to CCA MBNA, or should I in fact CCA ARROW or even AIC. My OH will not want to fight legalities of account in court even though she could win regarding T & Cs on reverse of Credit Application/agreement. So would really like to a) claim back charges from MBNA (as they have been awful to deal with). any b) put a good case to ARROW to accept a reasonable F & F settlement. and help would be welcomed, sleepingdog

Received Bulk centre claim form today re old tsb acct, general stuff though, ie, various dca been trying it on for a few year now ( since 2009) when I 1st joined. So in a nutshell whats the best way forward even tho I probs know what your gonna say. I never received the initial request for the section 78 back in 2009. Best way to respond please, this is for my partner who now is climbing the wall.. Mr

Hello All. As as student, I had an Egg credit card. Due to losing a job, no longer being able to pay the minimum payments etc, I built up a debt which in dec 06 was sold to capquest. It's just over 12k. Now, when i originally got the letter from capquest 18 months ago, it demanded immediate payment. I got in touch, and said this isn;t possible. I was paying egg £200 monthly as a minimum payment. I offered them £100 - all i could afford, but they wouldn't have it. I said nothing else i can do. Over the months, they sent letters, called the house etc etc. I was never at home, and my Dad eventually got really annoyed and made them stop calling. There have been gaps of a couple of months where they would not send any letters. I ignored all letters as i'd already told them i couldn't pay in full, and they wouldnt take the £100. To be honest ,i couldn't really afford the £100. Some of these letters offered to right off a third of the debt if i paid in full - but I still didn;t have 8k. Since then i hvae graduated and am earning. I could now afford to pay some off a month - not lots, but i could do it. After no letters for the last couple of months again, I got one yesterday. I'm not really sure what it is - and i don't have it here with me to quote. It says something about bankruptcy, that they have done something and i have 18 days to do one thing, and 21 to do another. It mentions some goverment websites i think. It also says on the first sheet at the bottom they hope things can be sorted without going to the bankruptcy stage. Can anyone explain what this letter is, and what i should do? I have ignored them in the past as i simply could not repay anything - now i can at least offer them a monthly payment? Thanks, J.

Hi, I am wondering if anyone can advise. After months of harassment I agreed payments on a £6k debt of £50/month with these people. I sent the first payment by Postal Order and a letter requesting a form to set the standing order up. No response. Month two I did the same but stated I could not afford to continue to pay the £50 plus the cost of the PO plus the cost of the recorded delivery and asked for a SO form or I would only be able to pay the PO for the amount minus the cost of buying it and the postage, no response. Month 3 I sent the PO less the amount for recorded delivery and the cost of the PO, again requested a SO form. No response. Today they sent me a letter stating I failed to maintain the payment and I have 7 days to bring this up to date of they will take action to recover the full amount. They have also started calling me again, despite my stating quite strongly that I will only correspond in writing. Can someone please advise me what I can do here? I am getting extremely stressed and upset. Thanks!

Hi Had an old mables card. .Been all round the houses , ,Capquest had it last . .Sent a Recon CCA with an account number that wasnt at the time I took out the card, so def not the correct CCA . .The last letter from CQ was telling me they are still in talks with Marbles about the CCA that was 2012 ..Now received out the blue letter from CQ saying they have passed it to Drydens fairfax. .When Drydens finally write is there any point in CCAing them .. Or just tell them its still in dispute with CQ and quoting what CQ have said in letter ,,Or do I just ignore..? Thanks