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Hi to everyone who contributes to this forum. To all the people who help - I sincerely thank you.
Many years ago, I got into quite a bit of a financial mess. However; I sorted things out and paid off everything that I could honestly remember. I have been getting lots of text messages and letters from Capquest over the last year and they are asking me for over £900, for an old bank account. They don't even get the right surname on the letter, but I know it must be me as I can see the same details on my noddle credit report.
I hadn't used this account since 2001 and had forgotten all about it. On my credit report though - it shows as remaining active until Dec 2016! It shows as 'Settled' on my report. I believe that this must be when Capquest bought the debt. They are now threatening to hand over to their collection dept unless I contact them. I cannot see how I can owe so much!
I have heard about debts becoming Statute Barred, but I'm concerned that if the account was active until last year, then this may not apply.
I have also found two other things on my credit report. A credit card with Natwest (Have never dealt with Natwest) and an HSBC account. These are both showing as being settled in 2014. I have no idea what they are but I'm extremely worried about it affecting my chances of a new mortgage deal.
Any advice would be massively appreciated as it's causing a great deal of stress at home.
Thanks.
Many years ago, I got into quite a bit of a financial mess. However; I sorted things out and paid off everything that I could honestly remember. I have been getting lots of text messages and letters from Capquest over the last year and they are asking me for over £900, for an old bank account. They don't even get the right surname on the letter, but I know it must be me as I can see the same details on my noddle credit report.
I hadn't used this account since 2001 and had forgotten all about it. On my credit report though - it shows as remaining active until Dec 2016! It shows as 'Settled' on my report. I believe that this must be when Capquest bought the debt. They are now threatening to hand over to their collection dept unless I contact them. I cannot see how I can owe so much!
I have heard about debts becoming Statute Barred, but I'm concerned that if the account was active until last year, then this may not apply.
I have also found two other things on my credit report. A credit card with Natwest (Have never dealt with Natwest) and an HSBC account. These are both showing as being settled in 2014. I have no idea what they are but I'm extremely worried about it affecting my chances of a new mortgage deal.
Any advice would be massively appreciated as it's causing a great deal of stress at home.
Thanks.
