Capquest Debt Recovery – Know Your Rights and Get Help

Have you received a letter, phone call, or text message from Capquest Debt Recovery? You’re not alone. Thousands of people across the UK are contacted every year by Capquest — a well-known debt collection agency. But before you pay anything, it’s essential to understand your rights, what Capquest can and can't do, and the debt solutions available to stop the pressure.

At Fresh Start Debt Support, we help people deal with Capquest and other debt collection agencies every day. Our goal is to provide clear, honest advice tailored to your situation — completely free and confidential.

Who Are Capquest and Why Are They Contacting You?

Capquest Debt Recovery Limited is a UK debt collector owned by Arrow Global Group. They either collect debt on behalf of original lenders or purchase debts from companies like Barclays, HSBC, Lloyds, credit card providers like Capital One, or utility companies and catalogue firms.

If they’ve bought your debt, they now legally own it and can pursue you for payment. But that doesn’t mean you’re powerless.

Should You Pay Capquest Immediately?

No — not until you've taken the following steps:

• Request a written debt validation notice
• Check whether the debt is statute-barred (too old to enforce)
• Ask for a copy of the original agreement
• Seek professional debt support before agreeing to anything

Ignoring Capquest won’t make the problem disappear, but making rushed payments can sometimes worsen your financial situation. Take control by understanding your options first.

Can Capquest Take Legal Action Against You?

Yes, if you ignore the debt or don’t respond, Capquest can escalate matters by applying for a County Court Judgment (CCJ). If granted, this can seriously impact your credit score and may lead to enforcement action such as bailiff visits or attachment of earnings.

However, legal action is often avoidable by responding early and setting up a suitable repayment plan or exploring formal debt solutions like an IVA.

Which Debts Does Capquest Chase?

Capquest collects a wide range of debts, including:

• Credit Card Debt
• Personal Loans
• Catalogue Accounts
• Utility Bill Arrears
• Council Tax Debts
• Overdrafts
• Store Cards
• Gambling-Related Debts

No matter which type of debt you're facing, there is a way forward.

Debt Solutions That Can Stop Capquest

We offer a range of debt solutions depending on your income, debt level, and personal situation. These include:

• IVA (Individual Voluntary Arrangement) – Reduce your monthly payments into one affordable amount. After 5 years, any remaining debt is written off.
• DMP (Debt Management Plan) – A flexible, informal solution that allows you to repay debt at your own pace.
• DRO (Debt Relief Order) – A powerful option for those with little income and under £30,000 in debt. Stops interest, enforcement, and wipes your debt after 12 months.
• Compare all debt solutions to see which is right for you

How to Stop Capquest from Contacting You

If you're being harassed by calls, letters, or messages, there are steps you can take:

• Request that all communication be made in writing
• Submit a formal complaint if they ignore your preferences
• Speak to us — we can deal with creditors on your behalf

Find out more about how to stop debt collectors from chasing you unfairly.

Why Choose Fresh Start to Deal with Capquest?

We are a specialist debt help service that deals with creditors like Capquest every day. While we’re not FCA-regulated advisers, we provide clear, personalised support that helps you:

• Understand your legal rights
• Stop the stress and regain control
• Access debt solutions tailored to you
• Get fast responses — no waiting weeks for a reply

We are small, independent, and focused entirely on you. With fewer clients to juggle, we act quickly and offer ongoing support as needed.