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Can anyone please advise, as this is causing a great deal of stress at home?!
I have been receiving text messages and letters from Capquest regarding an old bank account with HBOS. As far as I was aware, this account had long gone (2001).
However, when I checked my credit report - it said that the account had only recently been settled (Dec 2016).
Capquest have been sending me letters but haven't even been getting my surname right. On my credit report though, it does show up as the surname that they have and corresponds with my old account.
As far as I was aware, I didn't owe any money. They are asking me for over £1000! They are threatening to pass it over to their specialist collection partner unless I contact them. I don't want to and I would really like to know where I stand.
I've heard of things becoming statute barred, but if the account was still showing as recently active - would this be non-applicable? I really don't understand why the account has only just closed. I'm not at the same address as I was all those years ago either.
Thanks for any help in this matter.
I have been receiving text messages and letters from Capquest regarding an old bank account with HBOS. As far as I was aware, this account had long gone (2001).
However, when I checked my credit report - it said that the account had only recently been settled (Dec 2016).
Capquest have been sending me letters but haven't even been getting my surname right. On my credit report though, it does show up as the surname that they have and corresponds with my old account.
As far as I was aware, I didn't owe any money. They are asking me for over £1000! They are threatening to pass it over to their specialist collection partner unless I contact them. I don't want to and I would really like to know where I stand.
I've heard of things becoming statute barred, but if the account was still showing as recently active - would this be non-applicable? I really don't understand why the account has only just closed. I'm not at the same address as I was all those years ago either.
Thanks for any help in this matter.
