ShopDirect / Moorcroft / Capquest

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Hi all

Lovely letter dated 17/05/2022 has been put through my door branded Capquest with "Change of Agency" qouted

 

It is for an alleged debt of £524 relating to ShopDirect with original agreement date of 22/03/2010

 

The letter tells the Balance on your account is still owed to CAPQUEST INVESTMENT LTD and I need to get intouch with Moorcroft 

 

Now this debt no longer appears on my credit reports - fell off probably about 3/4yrs ago.

 

I've not been in communication with Capquest relating to this debt or Littlewoods.

 

Do I just file this away in the bin?

[Badtimes123]

Hey Ads,

 

This will be statute barred, follow this:

 

BT

[Bazooka Boo]

You could if you wish, send them the SB letter, IF you haven't been in comms with them in the last six years OR made any payment.

 

Alternatively, if there's been zero comms within the last six years, file 13, ignore them and carry on with something much more interesting such as snail racing or watching paint dry.....

[Badtimes123]

21 minutes ago, Bazooka Boo said:

IF you haven't been in comms with them in the last six years OR made any payment

Good point, I should have asked for clarification. The post suggested but wasn't specific - noted.

[dx100uk]

2 hours ago, Bazooka Boo said:

You could if you wish, send them the SB letter, IF you haven't been in comms with them in the last six years OR made any payment.

 

Alternatively, if there's been zero comms within the last six years, file 13, ignore them and carry on with something much more interesting such as snail racing or watching paint dry.....

 

not a good idea to ignore them if the debt is SB'd, it could be the OP has moved since taking out the credit and never informed the OC or the debt buyer they have moved in WRITING and their letter is to see if a response comes , if not they'll file a backdoor CCJ. 

 

the matter of any acknowledgement comms from the debtor to the owner seems to also be getting rather watered down and miss quoted in recent times everywhere, inc many of these so called debt advise charities etc.....

 

acking a debt is where you specifically state, yes i have a debt with you, and sign the letter, anything else is NOT acknowledgement and cannot be deemed as such.

 

always send our SB letter!! if you are 1000% sure a debt is SB'd, it nails any dca in their box and protects you from further harassment under CONC rules.

 

dx

 

 

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Yep Statute barred:
I have credit reports from Oct 2012 that the debt was originally ShopDirect this report had missed payment markers Mar 2012 to Oct 2012 as I was disputing charges.
Then on a credit report from March 2013 it shows:
Account Name: CapQuest (Formerly FTC)
Type: Mail Order
Account started 22/03/2010
Default Date: 04/12/2012
Current Balance: £884 and Default Balance: £393
With two months Default markers 

Credit report Apr 2015 shows that the Balance was £884, but then in May 2015 balance was amended to £524
This was a the result of complaint with directly with the original lender Shop Direct and not Capquest.
The refund was never given to myself by Shop Direct but passed straight to CapQuest which I disputed as the complaint was between myself and Shop Direct.
I never got an reply relating to that.

I have not had any contact with CapQuest probably since 2015 to tell them that the account should be closed due to the complaint and that is should be passed to the original lender.
I have never agreed / acknowledged the actual debt with CapQuest or any such contract with CapQuest - it has always been disputed with the original lender.

[dx100uk]

Send our sb letter

 

Dx

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Should the letter be to CrapQuest or the "change of Agency" Moorcroft.

 

If it is Moorcroft can the letter be uploaded to there Contact Us/customer portal section of their website (not entering mobile and using the email address Capquest holds my main email address)

 

Also isn't Capquest a debt collector? 

[dx100uk]

eh?

 

moorcroft dont buy debts and clearly state 'our client' as Capquest, they are the Debt owner/buyer/DCA.

 

ALL these firms that chase old debts or buy old debts are always DCA's.

[ads_uk]

Attached is the letter received.

This is where I am confused.
Shop Direct sold to the Debt to CapQuest who are a DCA - The entry on credit report changed from Shop Direct to CapQuest before it dropped off.
Letter states that all dealings are now with Moorcroft and not CapQuest
This is why I was under the impression the Moorcroft have bought the debt from CapQuest.

So based on the letter is it Moorcroft I send the letter to (via their customer portal?) or CapQuest?

Shop Direct CapQuest.pdf

[dx100uk]

Now go back and read my posts carefully....

 

Dx