Fresh Start Debt Support
Received a letter, call or text from Capquest? Take a breath—you’re in the right place. This page explains who Capquest are, why they’re contacting you, what they can and can’t do, and how to respond calmly. We’ll also show you how to protect the household first, verify the account, and move all contact into one affordable plan where suitable—using options like a Debt Management Plan (DMP), IVA or DRO. If you’re under pressure, our guide to Breathing Space can help pause most enforcement while your plan is set up.
Start My Free Debt CheckFor a quick primer on collection agencies in general, read What is debt collection? and Stop Debt Collectors.
Capquest is a UK debt collection agency. They may be contacting you because:
Common Capquest cases involve credit cards, personal loans, overdrafts and sometimes store or catalogue balances (catalogue debt and BNPL like Klarna). If yours is different, the steps below still apply: verify the account, protect essentials and agree an affordable route forward.
Yes—Capquest is a familiar name in UK collections. That doesn’t mean they’re always right about your balance or history. Your job is to check the details, build a realistic budget, and only commit to a payment you can sustain.
Ignoring letters and calls usually makes stress worse. A quick, structured response puts you back in control. We help you gather the facts, protect priority bills and communicate a fair, defendable offer that reflects your real affordability.
You have the right to be treated fairly. You can ask for information, take time to build a proper budget, and request that communication is in writing.
Before agreeing to any payment with Capquest, stabilise essential costs: housing, energy and council tax. See our guides to rent arrears, mortgage arrears and utility bills. Once the essentials are safe, we can build a fair offer for non-priority debts.
Ask Capquest to clarify the original lender, balance and any charges/interest. For regulated credit (cards/loans), you may request a copy of the agreement. We can help you understand what’s reasonable to expect and how to read the paperwork.
Breathing Space can pause most interest, fees and enforcement for a limited period while we assemble your long-term plan. It’s especially useful if multiple collectors are contacting you at once.
A realistic payment—based on a proper budget—is more defensible and more likely to last. Try our Debt Calculator to test affordable figures before speaking with Capquest or any creditor.
Read letters fully, keep envelopes and note dates. File texts and emails. This helps us check timelines, charges and whether the debt was sold to Capquest or they’re collecting for someone else.
Not sure what the balance is? We can guide a free credit check to confirm accounts, default dates and ownership. Fact-find is part of what we do for you—accuracy saves time later.
Prioritise your home, energy and council tax. Review Council Tax Debt, Utilities and Rent/Mortgage. Don’t let a card or loan payment risk these essentials.
Use the Debt Calculator or build it with us. A clear budget typically reduces the back-and-forth with Capquest—it shows what you can pay without creating new arrears elsewhere.
Compare side-by-side here: Compare Solutions.
If calls and letters are mounting, Breathing Space can pause most action while we set up your plan and issue a reference number you can quote to creditors like Capquest.
We’ll help you move contact onto a more manageable footing—often in writing—and ensure everything lines up with your agreed budget.
Capquest Contacted Me — Start My Free Debt CheckBalances can include historic interest/charges. We’ll review statements and Capquest’s breakdown, then base any proposal on a defendable budget. If there’s an error, we’ll help you raise a clear, polite challenge.
Ask for communication in writing. We can also help you use Breathing Space where appropriate. See Stop Debt Collectors for step-by-step tips on reducing contact pressure.
Talk to us straightaway. With timely engagement and a well-evidenced budget, many cases avoid escalation. If you receive claim forms, we’ll help you understand and respond within the deadlines.
In England/Wales, many simple credit debts may be unenforceable in court after six years with no payment or written acknowledgement (five in Scotland). Details matter—get tailored guidance before replying to Capquest if you think this applies.
That’s common. Accounts often pass between collectors like Lowell, Cabot, Moorcroft, Advantis, Wescot, Resolvecall, PRA Group and Link Financial. The method is the same: verify, budget, choose a route you can keep.
No judgement—just clarity. We list every debt (we’ll guide a free credit check if you’re unsure) and identify priority risks first. See What We Do for our full process.
Housing, energy and council tax come first. This reduces the risk of fees or enforcement and keeps your household stable as we build your plan.
Most clients prefer to roll multiple creditors into a single manageable payment via a DMP or, where appropriate, into a formal arrangement like an IVA or DRO. Compare options at Compare Solutions.
Where appropriate, we help you use Breathing Space. You’ll have a reference number to quote to Capquest while your plan is set up—this often reduces calls and letters fast.
If your income changes later, we’ll review and adjust where the solution allows. DMPs are typically more flexible; IVAs have formal variation processes.
See If I Qualify for HelpAn informal route. Many creditors freeze/reduce interest and charges. Suits those who want flexibility and can keep up a realistic monthly payment without entering formal insolvency.
A legally binding agreement that consolidates eligible unsecured debts into one affordable payment. At successful completion, remaining eligible unsecured debt may be written off. Good protection from most creditor action.
For low income/low assets. Debts are usually frozen for 12 months and then written off if your situation doesn’t improve. Strict criteria—ask us to check if you qualify.
Use Compare Solutions for a side-by-side view, then get tailored guidance based on your actual budget.
“I’m reviewing my full income and essential bills first. I’ll come back to you with an affordable proposal in writing.” Then complete our free debt check so we can help you lock it in.
“Please contact me in writing only so I can keep a clear record. I’ll respond once my budget is complete.” See Stop Debt Collectors for more contact tips.
“A lump sum isn’t affordable without risking essentials. I can offer £X per month based on my budget.” We’ll help you calculate a figure that’s fair and defendable.
Keep copies of letters, texts and a note of calls (date/time, who you spoke to, what was said). Paper trails prevent confusion later.
No. Debt collectors like Capquest aren’t bailiffs and can’t come into your home or take goods. Court enforcement only happens after a legal process. If you’re anxious about a letter, start our free debt check and we’ll review it with you.
It depends on the original agreement and account status. Many creditors will freeze or reduce interest/charges once a fair arrangement is in place—often via a DMP.
Ask for more information. We’ll help verify via a free credit check and review the details before you pay anything.
Solutions like an IVA can affect your credit file. For many people, the priority is stopping the spiral and protecting essentials—then rebuilding later.
Collectors can issue a claim, but a lot of cases settle without court once you engage and show a defendable budget. If claim forms arrive, speak to us quickly—we’ll help you respond properly.
We aim to call you promptly (and WhatsApp if we can’t get through). We start your fact-find and budgeting right away, prioritising urgent risks like council tax and utilities.
No. If you’re unsure, we’ll guide a free credit check to identify missing accounts. We’ll also ask questions to catch priority debts you might not have to hand.
We’ll build headroom where possible. DMPs are generally more flexible; IVAs can be varied formally if your situation changes.
Yes. We regularly support sole traders and directors. See Business Debt and Tax/HMRC—we’ll tailor the route to variable income.
Ask us directly and get a personalised answer in minutes.
Ask a Debt SpecialistYour strongest tool is a defendable affordability statement grounded in real spending. Guess-work leads to broken arrangements and more stress; evidence leads to acceptance. Try our Debt Calculator to test what’s sustainable.
Protect your home, energy and council tax. This avoids knock-on costs and stabilises the household.
Cards, catalogues, overdrafts and loans can be rolled into a fair offer via a DMP, or into a formal route like an IVA or DRO where appropriate.
Our quick guide to Breathing Space explains how to pause pressure while we set up your long-term plan.
Build My Budget with a SpecialistEach agency has its style, but the roadmap is the same: verify, protect essentials, budget properly, then choose a route you can keep. For context, read our pages on Lowell, Cabot, Moorcroft, Advantis, Link Financial, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax and PRA Group.
Get Help Dealing with CapquestIf your account started with a bank or card provider, see our lender insights: Barclays, HSBC, NatWest, Lloyds and Capital One. Knowing typical approaches helps us shape realistic proposals that Capquest (or any agency) is more likely to accept.
Shape a Proposal That Fits My LenderThe aim is simple: fewer letters and calls, protected essentials, and a plan you can sleep on.
Start My Free Debt CheckWhen you’re ready, we’re ready—on your terms and timeline.
Speak to a Specialist