Dealing with debt collection agencies can be a daunting experience, especially when it involves debts that are considered old or outdated. Capquest is one such agency in the UK known for managing and collecting on outstanding debts. If you’ve recently been contacted by Capquest about an old debt, you might be wondering about your rights, options, and whether you’re legally obligated to pay. This comprehensive guide aims to demystify the process, offering clear advice and practical steps to manage such situations, with a special focus on how Contend, your AI-powered legal assistant, can offer support every step of the way.

Understanding Your Situation

Before diving into the specifics of dealing with Capquest and old debts, it’s crucial to understand the landscape of debt collection in the UK, particularly how debts become ‘statute-barred’ and what that means for you.

What Does ‘Statute-Barred’ Mean?

In the UK, a debt is considered ‘statute-barred’ if a creditor has not taken legal action against you within a certain timeframe, typically six years for most types of debts. This means that, after this period, the debt still exists, but the creditor cannot use legal means to enforce payment.

Identifying If Your Debt Is Statute-Barred

To determine if a debt is statute-barred, consider the following:

  • When was the last time you made a payment?
  • Have you acknowledged the debt in writing within the last six years?
  • Has the creditor taken legal action against you for this debt within the last six years?

If the answer to all these questions is ‘no’, your debt may be statute-barred. However, the specifics can vary, making it essential to seek personalized advice.

For help with questions related to your issue, you can chat with one of Contend’s legal experts, and get immediate answers to your legal questions.

Steps to Take When Contacted by Capquest

If Capquest is chasing you for an old debt, here are some steps you can take:

Don’t Panic and Don’t Ignore

Receiving a letter or call from a debt collection agency can be stressful, but it’s important not to ignore it. Ignoring the situation won’t make it go away and could lead to further action.

Verify the Debt

Ask Capquest to provide detailed information about the debt, including the original creditor, the amount owed, and any interest or charges added. This is your right under the Financial Conduct Authority (FCA) guidelines. You can use National Debtline’s sample letter to write to your creditor.

Check If the Debt Is Statute-Barred

Based on the information provided by Capquest and your own records, assess whether the debt might be statute-barred. If you believe it is, you can write to Capquest informing them of this, which may stop further collection efforts.

Seek Legal Guidance

Understanding your rights and the best course of action can be complex. This is where Contend comes in. By chatting with our AI legal assistant, you can get clear, tailored advice on how to proceed with your specific situation.

Money and Debt: capquest chasing old debt

How Contend Can Help

Contend leverages cutting-edge AI technology, built by legal experts, to provide you with reliable and understandable legal guidance. Here’s how Contend can assist you in dealing with Capquest and old debts:

  • Personalized Advice: Get customized guidance based on the specifics of your debt and your interaction with Capquest.
  • Understanding Your Rights: Learn about your legal rights when dealing with debt collectors and how to protect yourself.
  • Letter Templates: Access ready-to-use templates for communicating with Capquest, whether you’re disputing the debt, requesting more information, or informing them that a debt is statute-barred.
  • Calculate your child maintenance – check how much child maintenance you’re paying – use the child maintenance calculator on GOV.UK to check you’re paying the right amount.

Taking Action

Armed with the right information and support, you can navigate the process of dealing with Capquest and old debts more confidently. Here are some steps you can take:

  1. Communicate Effectively: Use clear, concise communication when dealing with Capquest, keeping records of all correspondence.
  2. Know Your Rights: Familiarize yourself with your legal rights and options. Contend’s AI assistant can provide you with the necessary information.
  3. Consider Your Options: Whether it’s disputing the debt, setting up a payment plan, or another course of action, make an informed decision based on your circumstances.


Dealing with Capquest and old debts doesn’t have to be a nightmare. By understanding your rights, verifying the debt, and potentially leveraging the statute-barred status, you can tackle the situation head-on. Contend is here to guide you through every step, offering legal advice you can trust, all within five minutes or less. Don’t let debt collection overwhelm you; chat now with Contend’s legal expert and take the first step towards resolving your legal concerns with confidence.

You can click here to chat with one of Contend’s legal experts today.

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