The Ultimate Guide to CapQuest Debt Recovery

Are you receiving letters from Capquest Debt Recovery requesting payment for an outstanding credit card or utility bill? If clients in the UK do not pay when they owe money, this debt collection agency can also act as a credit solutions provider that works with a variety of credit providers, including mortgage and loan firms, high street banks, and service providers. In this guide, we will provide you with the tools and free debt advice you need to take on any debt collection company. Take care of your debt today, and you’ll feel better tomorrow!

Table of Content

1 Who are Capquest Debt Recovery
- 1.1 How do I get in contact with Capquest Debt Recovery?
2 Are they a legitimate company?
3 Why is Capquest Debt Recovery Contacting Me?
4 What Are My Next Steps?
5 What Can Capquest Debt Recovery Do?
- 5.1 Capquest Debt Recovery can:
- 5.2 Capquest Debt Recovery cannot:
6 List of Debt Collection Agencies UK

Who are Capquest Debt Recovery

Capquest Debt Recovery is a debt collection service based in Manchester that has been in operation since 1999. They’ve been a part of the Arrow Global Group since 2014, a financial services and investment firm that buys loans from other businesses and high-street banks in order to collect and profit. Capquest is the arm of the organisation tasked with collecting debts and forcing you to pay.

Do Not Speak to CapQuest Debt Recovery Until You Know About This?

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Capquest bills itself as a credit management company that offers debtors repayment plans. This is to avoid the stigma of a debt collector. However, in the United Kingdom, all debt collectors will provide repayment arrangements.

Arrow Global Limited may be able to purchase your debts due to credit card firms, high street lenders, large banks, utility companies, mobile phone companies, and any other outstanding debt you owe in the United Kingdom. Credit card companies are known to sell them a lot of debt. If they buy it, you’ll owe the money to them, and hence to Capquest.

How do I get in contact with Capquest Debt Recovery?

You can contact Capquest debt recovery through the following contact information:

Company Name: Capquest Debt Recovery Limited
Other Names: Capquest Group, Arrow Global Group
Company Address: Capquest Group, Templer Avenue, Farnborough Business Park, Farnborough, Hampshire, GU14 6FE
Website: www.capquest.co.uk
Phone: 0333 999 7200
Fax: 0333 999 7299
Email: [email protected]

Are they a legitimate company?

With the business registration number 721513, the company is a registered business in England and Wales and is regulated by the Financial Conduct Authority. Capquest Debt Recovery is based in Manchester, with an office on Booth Street. The Credit Services Association is a member of the company. Capquest has an annual revenue of roughly £18 million.

Why is Capquest Debt Recovery Contacting Me?

When debt collectors first contact you, they usually send you a letter explaining that they now possess your debt and that you must pay it. They may threaten legal action if you do not pay in full, or they may call you to work out a payment plan as one of their debt solutions.

If you do not respond to their letters, they will most likely begin phoning you on your cellphone to exert pressure. It’s possible that this debt recovery agency will send you an email. They will try this before going to court because it is less expensive and faster. It is not unusual for a debt collection firm to begin phoning on a daily basis. They must, however, honor your request if you tell them you only want to be contacted in writing.

What Are My Next Steps?

Most debtors who get a threatening Capquest Debt Recovery letter will receive no proof that they owe the money. You are not obligated to pay anything if Capquest has just said that you owe it without providing any proof.

Did You Know You Can Write Off Up To 85% Of Your Debts?

Do I Qualify?

But you’re not out of the woods yet. If they take you to court, you should request proof of the debt and preserve a record of your request for proof. Keep in mind, however, that there is no need to pay if there is no proof.

Additionally, your debt is statute-barred when it is six years old and cannot be legally enforced under the Limitation Act 1980.

What Can Capquest Debt Recovery Do?

Capquest Debt Recovery can:

You may have begun to ignore their calls, and if this occurs, a debt collection firm may add you to an automatic calling list in order to wear you down. A machine will continue to make automated phone calls until you answer, making it easy for them to reach you and demand payment. Requesting to be contacted at a specific time of day or in writing will help you avoid this.
If judicial action has been taken and your debts are still owed, the courts may appoint Capquest Debt Collectors to recover property and assets equal to the debt’s value.
It’s unlikely that their debt collectors will be able to gain access to your home. They can only do this if a magistrate on behalf of the local government has issued a Liability Order against you. There must be an unpaid fine from a Magistrate, County Court, or High Court if you are a business.
It is the law that law enforcement authorities can only access a home if they have previously visited it. They can then re-enter using what is known as “reasonable force.” This may entail hiring a locksmith to assist them in gaining admission. They can only try to get in between the hours of 6 a.m. and 9 p.m.
Debt collectors are restricted in what they can take from your property. They can remove what are known as ‘Walking Possessions’ if you have given them admission or they have gained entry through other ways. These are the items that are governed by the ‘Taking Control of Goods Regulations.’
They will perform an inventory of all of your belongings and determine their current value. You might work out a ‘Controlled Goods Agreement’ with them to offer you more time to pay off the loan.
They have the right to return to your property and take items if you do not pay them. They are unable to transport certain products. Bedding, refrigerators, medical equipment, stoves, and other basic things are among them.

Capquest Debt Recovery cannot:

Capquest Debt Recovery will have violated privacy rules if they notify anyone else about your debt. If they discover you owe a debt to a family member, friend, or coworker, they are in hot water — as long as you take action and alert the Ombudsman.
You cannot be harassed by Capquest Debt Recovery. They can phone you as many times as they want as long as it is considered “fair.” Although there is no clear definition of what constitutes “fair,” rest assured that this does not imply that Capquest is bullying you. You cannot, however, use this as an excuse to delay paying your obligation.
Capquest Debt Recovery can only contact you in writing if you request it. If you do this, you must ensure that you respond to their communications as one of the terms of your agreement to cooperate with them.
Capquest Debt Recovery is unable to discuss your debts with your family, friends, neighbors, or other individuals. This regulation complies with data protection rules in the United Kingdom.
Capquest Debt Recovery cannot pretend to have powers that they do not have. Previously, creditors have used documents that appear to be legitimate court documents. A law has been enacted to prevent this from happening in the future.
To collect debts, Capquest Debt Recovery cannot be threatening, abusive, or lie.

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.