HBOS sold debt to Capquest. HL Legal and Scotcall

[passwordlocked]

Hi All

Been on these forums for years, now need advice please.

 

I had a halifax credit card I defaulted on in Sept 2005 for £3500 (although I as far as I can remember I never saw a default notice issued),

this was handed over to BOS, with whom I agreed tp pay £10 a month.

I kept this up right up to Dec 2012.

I missed a few payments and called up BOS, who said they would need to review the case and would get back to me.

 

Around sept I started getting calls/txts from Capquest which I never picked up or responded.

They had sent letters to an old address from which I had moved over 2 years ago.

I recently, by accident got hold of these letters.

 

They are as follows:

 

First one dated Sept 2013:

From Capquest stating I owe £2770 and to pay up immediately

 

Second dated 8th Oct

From HL Legal stating if I do not pay by 22nd OCT then Court Proceeding may be issued

 

Third dated 23rd Oct

From Capquest, stating that Scotcall Limted, doorstep recovery agents will visit you

 

Like I said I have moved from the corresponding address over 2 years ago.

 

Another DCA did send letters to another old address I lived at 5 years ago, but current occupiers sent them back to sender.

 

I dont know how to go about this, because they dont have my current address and obviously I dont want to give it to them.

 

Any help would be helpful.

[dx100uk]

ever sent an sar for all the statements?

 

might be an idea

 

there could be PPI & PENALTY charges to get back.

 

i'd not worry about court etc

 

if any of them could have done court they wouldhave in 8yrs!

 

theres obv something wrong with the debt

else it would not have been sold I suspect

 

dx

[fkofilee]

Agree with DX here, i suspect there is something wrong with the debt so BOS offloaded it.

I wouldnt be surprised if its loaded with PPI.

[passwordlocked]

So to send a SAR, I will need to give my current address, that they have no idea of. What are the consequences, can we weigh these out.

 

This was back in the days of rampant PPI abuse.

[dx100uk]

if your address is on your cra file

you are only delaying the inevitable

 

dx