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Hi received a text from capquest saying to get in touch with them regarding a letter they say they have sent me.( I haven't received any letter.i googled these people and apparently the buy bad debts at a reduced rate then chase you for the money..The only thing I can think of is a company I have been paying for over 25 years called wescot credit LTD an agreed payment of £3 a month considering my circumstances..As I say I have been paying for over 25 years Direct Debit and never missed a payment..I am not even sure how much I owe..I am assuming wescot credit LTD have sold the debt to this capquest...What should I do? ..Please help...
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25years ? Blimey
personally I'd ignore the text but it might be worth looking at this debt - how much was the original debt ? Was interest frozen ? Are the payments following a court judgment ?#staysafestayhome
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No county court judgement.years ago I went to CAB ,they told wescot credit LTD my circumstances and agreed a payment of £3 per month...Occa Occasion I would receive a letter from them offering a settlement figure.But was in no position to do that.So they let me just continue..Now after all these years this text from capquest...They may have sent a letter to my former adress.i moved two years ago...I think I owe about £600 maybe .it was originally owed to Barclays and RBS ...Even though I have continued to pay the payments all these years.i thought the debt was written off after so many years but apparently not ..Originally posted by Michael61 View PostComment
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The original debt was £600 or £1,500?Originally posted by Michael61 View PostCOMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE
My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.
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Did you owe £600 at the start or is that what's left ? Think you've paid about £900 so far?
Might be be an idea to call Westcot with your change of address and check on progress - you don't want a random ccj appearing because they file at an old address.
#staysafestayhome
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I would say owe 600 now or less.i will root through old mail to find a letter from wescot so I can contact them as there seems to be many branches of wescot online.many thanks for your time...Originally posted by jaguarsuk View PostComment
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Okay just checking as if it started at £600 then you would have vastly overpaid.Originally posted by Michael61 View PostCOMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE
My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.
Private messages are disabled as help is only offered publicly. I do not come on here in the evening, at weekends or on public holidays.Comment
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