drysdenfairfax solicitors chasing HBOS debt

[isotropic]

Recently received a letter from the above, refering to their clients as Capquest

and originator HBOS for an amount of almost 10 thousand pounds,

 

saying they are instructed by Capquest to commence legal proceedings

if proposals arent made by the 14th of this month, to clear the debt...

 

As i have no idea where this is from and is not showing on Noddle or Experian

 

I am wondering

If anyone can help please?

[silverfox1961]

Hi and welcome to CAG

 

Do you have any idea if you actually owe anything to HBOS ? Capquest are a debt buying company and they would have bought this from the original creditor or another debt collector.

 

If you truly have no idea what this is about then it may be a mis trace.

 

They may have used a tracing service and they have found many names like yours and assumed you are the debtor.

[isotropic]

Thankyou for the repy ... not even heard of HBOS

[silverfox1961]

Thankyou for the repy ... not even heard of HBOS

 

Have you received any correspondence prior to this?

 

HBOS-- Halifax Bank of Scotland. Now just BoS.

 

If you truly have no knowledge of this debt then I would suggest to write back and tell them as much and that as this is not your debt, you are reserving your right to make complaints due to them not following the debt collection guidelines regarding ensuring that the person they are contacting is the actual debtor.

[dx100uk]

so this was a credit card?

 

 

dx

[Lucky7even]

You could do a letter to Drysden requesting information.

 

I would head it "WITHOUT PREJUDICE", and then ask what it is about.

 

Or you could send an SAR request that would cost you £10 though.

 

Make sure you keep all copies of correspondence sent and use guaranteed next day delivery.

 

Another option is that you can do a CPR31.14 request look at the link below to help you;

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?159445-Getting-Them-To-Reveal-Their-Vitals.-Using-CPR-31.14-to-Your-Advantage