capquest and skycard debt Should I bother

[sameagle]

Capquest have had my friends' old Skycard account for several years.

 

In 2012, I got her to write to Skycard, with a £1.00 cheque for the CCA - the [by return], letter stated, that "No records exist now", and the cheque was returned.

 

She had been paying CQ at the rate of one pound per month, so, knowing that there was no CCA, we requested one from them, [i love it when they are well screwed to start with!]

 

After 14 days we got the usual "We are sending for it/ account on hold/will not hear from us until we get your CCA", letter, so we put them in default and she stopped paying.

 

They had previously had a letter from her in 2010, telling them that all communications are to be via me, in writing, at my address, and now four years later, I am getting silent phone calls from them - last week and this week.

 

My friends Credit ref files from the "Big 3" are totally clean, we sent for them last month, just in case, but I suppose that "CQ" realise that the last two years are ticking.

 

Should I write to them, reminding them of the fact that they should only communicate in writing, or just keep jotting down the dates and times of these calls, and wait until they pass everything on to another bunch of no-hopers?

 

Sam

[martin2006]

If its not on any of the 3 cra files then i wouldnt risk starting the clock ticking again, let them ring and keep records of all attempted calls for a possible future harassment claim.

Keep an eye on the files also, just incase they try and sneak something back on them

[sameagle]

OK thanks, will do that.

 

Sam

[slick132]

Hi Sam,

 

I agree - I see no need for you to communicate just now.