Hi, I will try and cut a long story short!! I stopped making full payment on my Isme and Littlewoods account over a year agodue to the loss of my job, I have since had a baby who is now 6 months old and not working although my husband is. I contacted both catalogue companies advising of my situation and they couldn't come to an acceptable arrangement as we literally had no spare money so was offering £5 p/m on each account. At the time the balance on the Isme account was approx £2,000 and the Littlewoods one was £400. Both accounts went over to NDR which is understand is part of the company and again they could/would not agree to my offer - I still made a few payments of that amount anyway to show willing. Since then charges have been added to both accounts, the Littlewoods balance is now approx £700 and the Isme one is a whopping £3,800 due to interest and charges. Isme have now sold on the account to Capquest. I have had the initial letter from Capquest requesting full payment which I know is pretty standard. I'm not sure who will be taking the Littlewoods account yet but NDR managed to get a further sneaky charge on both account before selling them on. I was going to write to Capquest and advise of my financial situation and offer the £5 per month I have been trying to pay over the last year or so, I am guessing they will not accept this due to the balance. Can anyone advise if they may accept or if they will request a higher amount, also am worried about going to court etc. Can they add even more charges? I am so worried about everything and also about harrassment from them as have read a few things about Capquest - none of them at all nice. Lastly, a family member may be able to help me out a bit but couldn't afford by any means the full balance they say is owing, does anyone have an idea if Capquest may accept a settlement figure and if so roughly how much I would need to offer, do I need to pay low payment first before offering anything? Thanks so much and sorry for the long post - this is my first one so am not familiar with abbreviations.

Hi could anyone give me some advice, I have a debt with capquest from a catalogue (one of many debts accrued when my husband lost his job) i wrote to them offering them a £1 a month as the rest of my creditors have all accepted, today i have got a letter off drysdens Fairfax solicitors with reference to the capquest debt asking me to fill in their financial questionnaire and provide 2 recent payslips. do i have to provide payslips to them? im not trying to hide my wage or anything just that it has all my personal info on like national insurance number. should i do what they ask? thanks in advance