Capquest/drydens - old Cap1 debt - been paying but pressure recently increased

[London1971]

Addressing your major concern first, this debt has long since dropped off any Credit Agency file, and will have ZERO effect on your Credit Score / Rating, forever invisible to any Employer or Creditor. This cannot be changed by anybody.

 

The DCA's use wording that make them sound like Bailiffs, to scare people into paying even small sums that spin out the Statute Barred date to infinity. Imagine how much money they make from thousands of people sending in even a fiver per month!

 

As for the moral aspect, you're just a line on a spreadsheet brought for a few pence in the £ by the DCA from the Original Creditor, so don't let that give you sleepless nights.

 

I predict there is absolutely zero chance of them coming back with a CCA, after more than 12 years Just make sure your current address is on the CCA also and very likely no more payments for you !

 

The only other thing to add, is make sure whenever you move send the DCA confirmation of your new address in writing !

 

 

[London1971]

They always do that, don't go losing any sleep over this one  and certainly don't go paying them anything.  Just make sure you open all your mail, aside from that don't do anything. I'd say it's highly unlikely this goes anywhere.