Hi,
Years ago i got into quite a bit of debt (7-8 years ago) due to personal circumstances, i have been slowly paying it back and now have a spotless credit history etc ... however recently i applied for a mortgage
which was fine. However during sale of our property it transpires that there is a charging order registered against it due a CCJ from 2007. The CCJ and subsequent charging order was registered by Capquest who have NEVER been in contact regarding this debt in over six years. I have never entered into any payment arrangement with them, however i did have another debt with them that I mistakenly thought was this CCJ and have settled this in the past year.
Now after talking to them they have sent me a letter saying that i need to pay around 7K to settle this debt confusingly they have also written to my solicitors telling them that i need to pay around 11.5K and that they will be charging interest @ £1.66 per day , i am assuming the additional amount is interest for 6 years .
I am not trying to get out of what I owe and need a speedy resolution to this given the property transaction i am about to make (in about 30 days) need to get this resolved. I am basically looking for advice on how to proceed given the different amounts quoted and also whether there is anything i should be doing here ...
DarkZark.
Years ago i got into quite a bit of debt (7-8 years ago) due to personal circumstances, i have been slowly paying it back and now have a spotless credit history etc ... however recently i applied for a mortgage
which was fine. However during sale of our property it transpires that there is a charging order registered against it due a CCJ from 2007. The CCJ and subsequent charging order was registered by Capquest who have NEVER been in contact regarding this debt in over six years. I have never entered into any payment arrangement with them, however i did have another debt with them that I mistakenly thought was this CCJ and have settled this in the past year. Now after talking to them they have sent me a letter saying that i need to pay around 7K to settle this debt confusingly they have also written to my solicitors telling them that i need to pay around 11.5K and that they will be charging interest
@ £1.66 per day , i am assuming the additional amount is interest for 6 years . I am not trying to get out of what I owe and need a speedy resolution to this given the property transaction i am about to make (in about 30 days) need to get this resolved. I am basically looking for advice on how to proceed given the different amounts quoted and also whether there is anything i should be doing here ...
DarkZark.
Capquest advice needed.
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