Capquest Reviews 

1,688
TrustScore 3.5 out of 5

3.6

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Review summary

Created with AI, based on recent reviews

Looking at 93 reviews, most reviewers were somewhat happy with their experience overall. Customers frequently praise the helpfulness and politeness of the staff, noting that agents are understanding, empathetic, and make them feel at ease during stressful situations. Many people found the customer service to be excellent, with staff taking the time to explain options clearly and resolve queries confidently. Reviewers also mention that making payments is often easy and straightforward. However, some people were dissatisfied with the company's contact methods and the nature of their claims. Many customers report receiving communications regarding alleged debts they do not recognize or believe are no longer valid. There are also instances where people struggled to get replies to their inquiries or obtain detailed information about the alleged debts.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, often praising their helpfulness, professionalism, and... See more

Customer service

Consumers generally find customer service to be positive, with many reviewers praising agents for being... See more

Payment

Clients share ambiguous opinions on payment, with some reporting no difficulties and easy processing, even... See more

Customer communications

Reviewers express significant frustration with contact methods, reporting persistent and unwanted... See more

Claim

Customers had negative experiences with claim, often reporting that companies attempt to reclaim historical... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Making it very easy to access on the telephone. All the steps on how to use the service are clear and concise. No difficulties and payments go through easily

Rated 5 out of 5 stars

With capquest they take their time and are willing to work with you, especially if you're circumstances have changed which mine did, always polite and helpful to me, I've got nothing to say but good t... See more

Rated 5 out of 5 stars

It was so easy to make payments very helpful online and will be paying my debt of each week didn’t think it would be that easy to make payments brilliant

Rated 5 out of 5 stars

Rich was amazing, just want to thank him again for all his support and help. I really appreciate it so much.


Company details

  1. Debt Collecting
  2. Debt Collection Agency

Written by the company

Capquest is a credit solutions provider that supports its customers with the repayment of outstanding debt(s).


Contact info

3.6

Average

TrustScore 3.5 out of 5

2K reviews

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1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Hasn’t replied to negative reviews

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3.6

All reviews

(1,688)

88 reviews in the last 12 months

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Rated 1 out of 5 stars

WARNING!! FAKE BUSINESS, SCAMMERS, FRAUDSTERS

Absolute bunch of low life scammers. They chose to set up a business where they somehow find your private contact details and continue to harass you for money by accusing you of having an outstanding debt. Be very careful, these cowboys are very good at deceiving you with professional headed letters demanding money. DO NOT fall for it. You can clearly see the positive ratings on here are fake.
DO NOT give them money and DO NOT give them your private information. Report them and ignore.

November 23, 2024
Unprompted review
Rated 2 out of 5 stars

No words

Capquest, please close my account for the love of God 🤦‍♀️. It has been a year since I paid everything off, and after many calls, my account is still not closed. This is still showing on my credit report and is damaging my credit score. CLOSE MY ACCOUNT PLEASE!!!

November 20, 2024
Unprompted review
Rated 1 out of 5 stars

Scam

Scam. I received a letter stating that debt had been bought? Shop direct? No idea who they are. But reading a couple of reviews a penny dropped there is also another statement on this site matching word for word my letter with same amount😳. I’ve checked my credit history with no outstanding debt or ccjs. WELL WHAT CAN I SAY? Scam scam scam. Don’t get fooled. Sent an email asking for a Provit document and have had no response. 😡

November 8, 2024
Unprompted review
Rated 1 out of 5 stars

Scammer Thieves

Scammer Thieves.
I received a letter from Crapquest saying Capital One had passed a debt of mine, I Don't have any debts to anyone, and that I was to make all Capital one payments to crapqoest Opos not Capital one. To the sum of £1100. So, straight on the phone to the credit card company. They said I have no debts with them, never had and they want to increase my credit limit as I've got perfect payment history. The fraud department took all details from the letter said it isn't their reference number for any account and they will be contacting the credit/finance ombudsman and governing body to report fraudulent activities.
Citizens advice are also doing the same on my behalf.
They are con artists and if they contact me again I will charge them an admin fee and sue them for harrasing behaviour.
Losers scum and Thieves.

November 7, 2024
Unprompted review
Rated 1 out of 5 stars

This company is clearly a bunch of…

This company is clearly a bunch of scammers

We have lived at our address for 21 years

Received a letter for the previous owner who died in 1999 which is why we bought their house

By law any debt over 6 years old can’t be chased anyway

If you receive a letter from this company just bin it as you won’t owe the money

November 11, 2024
Unprompted review
Rated 1 out of 5 stars

Absolute scammers

Absolute scammers. Sent a letter to my home address in my maiden name which I've never been known as for nearly 20 years. The so called debt (which is certainly not mine) is a Santander "Store card!!" As far as I'm aware Santander is a bank and don't do store cards. I've never had any debt with Santander. So it's a "Company" trying to scam money.

October 31, 2024
Unprompted review
Rated 1 out of 5 stars

Absolutely awful awful awful service

Absolutely awful awful awful service! Was sent letter asking to contact them which I duly did. Was given incorrect information, given wrong email address. Chased up response today to be told account isnt even with them and I was given incorrect information from my call 6 weeks ago. Very unhelpful, so frustrating when you can't get a straight answer. DO NOT DEAL WITH THIS SCAM OF A COMPANY! I am going to complain to the Financial Ombudsman about this company as this is not the first time I have had shoddy dealings with them.

October 28, 2024
Unprompted review
Rated 1 out of 5 stars

Awful company

Awful company and their employees are completely incompetent and don’t speak good English. They continually try to over talk you when they should shut up and listen to the customers. The employees are clearly not computer literate and take ages doing anything. Someone when you try to ring them hands your calls up

October 21, 2024
Unprompted review
Rated 1 out of 5 stars

Mediocre at Best. Possibly Negligent

My loan got transferred from Koyo to Capquest a year or more ago, and while I have had very few interactions with them since, it has been predominantly a bad experience.

I have always received an error message when I try to log into the portal and am therefore unable to use much of it. This is a known issue as their reps have confirmed many months ago that they are aware of this, and yet it persists.

If their online portal is treated with such disregard, then I shudder at how securely they hold peoples personal data and how easy hackers might access our info.

To add insult to injury, I recently changed my payment date as I have started a new job and now get paid a few days after the loan payment goes out. Obviously I would want it to come out AFTER I am paid. They charged me £30 for this!

That's an outrageous cost to better ensure they get paid on time! Charging any fee at all for this dirty, but to charge so much?!!

EDIT to respond: Their response is a perfect example of the type of company Capquest is. They say I can get in touch with them regarding the extortionate fee they charged me to change my direct debit date, which we all know is going to be a waste of time because it's their policy and they are never going to give any of it back. So to add insult to injured they would FURTHER waste what is even more precious than money. Which is my time.

They obviously have no intention of fixing the portal as it would be fixed many months ago if they cared. I work in a highly regulated financial industry and this sort of thing would be dealt with quickly as per GDPR/Financial Regulatory requirements to meet a certain standard.

Starling Bank just got fined £29 million and they are just as regulated as Capquest. If not more regulated! So I fail to see how stating Capquest are regulated is supposed to put my mind at ease regarding your woeful practices.

I'm done with this review.

September 26, 2024
Unprompted review
Capquest logo

Reply from Capquest

Hello Gavin,

I am sorry to learn that a payment of £30.00 has been taken from you that you were not expecting. We strive to provide excellent customer service in a timely manner, and I apologise for any inconvenience this may caused you. You can get back in touch with us so that we can look into this matter in more detail. Our dedicated Koyo team can be contacted on 0333 999 8140 or by email on customers@koyoloans.capquest.co.uk

We are aware of the issue you have described with the Koyo online portal. This is a known issue and we are working to fix it. There is not much more that I can advise that the agent you spoke to already advised. If there are any details you require to know about your account, then you can contact our dedicated Koyo team, however please be assured that this is not connected to or representative of the security of your personal data, which I assure you is secure. We're regulated by the FCA and ICO, and as such take our legal and regulatory obligations very seriously, to ensure we operate ethically and support our customers with their financial needs.

Kind regards, Matthew

Rated 1 out of 5 stars

This company just robs people

This company just robs people

September 23, 2024
Unprompted review
Capquest logo

Reply from Capquest

Hello John,

Thank you for your review. We value your feedback and take it very seriously.

I am sorry to hear that you feel you are being robbed. I understand how frustrating this must have been for you. We value our customers' time, and I appreciate you making us aware of your negative experience.

We strive to provide excellent customer service in a timely manner, and I apologise for any inconvenience this may caused you. If you wish to make a complaint, we have a robust complaints procedure which can be logged by emailing complaintsin@capquest.co.uk. So that we can discuss this further in more detail, you can message us through your online portal at: https://portal.capquest.co.uk or call us on 0333 99 7200.

Thanks,
Matthew

Rated 1 out of 5 stars

Need to improve on communication and…

Need to improve on communication and informing solicitors that account is fully paid and closed.and improve on legal aspects like removing my charge with land registry

September 11, 2024
Unprompted review
Capquest logo

Reply from Capquest

Hello,

I am sorry to learn that we have not adequately communicated with you and updated solicitors that a charge next to your account should be removed. I understand how frustrating this must have been for you. We value our customers' time, and I appreciate you making us aware of your negative experience.

If the full balance, and not just the settlement figure, has been paid towards an account being serviced by us, then an agent should place this account with the appropriate servicer for the charge to be removed. If this has not yet been done, then you can get in touch with us by messaging us through your online portal at: https://portal.capquest.co.uk or by calling us on 0333 999 7200.

Kind regards, Matthew

Rated 1 out of 5 stars

I was a Koyo customer ….

I was a Koyo customer ….. no issues at all! Koyo accounts were clear, easy to follow and allowed me to keep track of everything, list of dates and payments …. Everything. The debt was then transferred and taken over by Capquest! The advisor on the phone actually told me that if I wanted to see my online account balance, the only thing I could do was to click “make a payment” to see how much I had left over ….. 😂😂 wasn’t allowed to see any other information ….. nothing on the “Dashboard” where all previous payments, future payments etc should have been visible! Contacted Capquest again …… again, completely useless and no help at all! 🤦‍♀️ It’s a shockingly bad company that’s poorly managed and totally unprofessional! Have seen a precious Koyo member also comment below on the shocking standards of this organisation 🙄

September 3, 2024
Unprompted review
Capquest logo

Reply from Capquest

Hello Scarlett,

I am sorry to learn that you are having issues with the web portal and did not find the agent you spoke to helpful. I understand how frustrating this must have been for you. We value our customers' time, and I appreciate you making us aware of your negative experience.

We are aware of the issue you have described with the Koyo online portal. This is a known issue and we are working to fix it. There is not much more that I can advise that the agent you spoke to already advised. If there are any details you require to know about your account, then you can contact our dedicated Koyo team.

You mentioned you 'contacted Capquest again'. Just to be clear, you would only be able to discuss your account with a member of the dedicated Koyo team, so if you spoke to a general Capquest agent, they would not have been able to assist.

We strive to provide excellent customer service in a timely manner, and I apologise for any inconvenience this may caused you. You can get back in touch with us in order to look in to this matter in more detail. Our dedicated Koyo team can be contacted on 0333 999 8140 or by email on customers@koyoloans.capquest.co.uk

Kind regards, Matthew

Rated 1 out of 5 stars

I've never had to deal with such rude

I've never had to deal with such rude, incompetent people in my entire life. I was giving them my personal details to update their system. I gave them my date of birth half a dozen times to be told, "That's not the date we have on our system, we're going to have to end this call." Sorry but my date of birth has always been the same, it's never changed!!! And ive never given a false date of birth on any document. Turns out he misheard me over and over again, despite me saying it very clearly about 6 times. I was constantly spoken over and told i could manage my account online , i don't need to, the debt help company is doing that for me!! I wasnt allowed to get a word in to tell them why I was calling in the first place. I had to repeat myself over and over again as they didn't understand what I was saying. Even at the end of the conversation i was told that if the debt renained unpaid they would continue to come after me for the money. Id already explained prior to this that the debt help company were dealing with it, so DONT continue to threaten me please. Overall this company came across as very unprofessional, full of extremely rude people who don't listen. I felt like id been bashing my head against a brick wall the entire conversation The way I was treated and spoken to during this call was absolutely despicable.

August 7, 2024
Unprompted review
Capquest logo

Reply from Capquest

Hello,

Thank you for your review. We value your feedback and take it very seriously.

I am sorry to learn that the agent you spoke to was rude and incompetent. I understand how frustrating this must have been for you. We value our customers' time, and I appreciate you making us aware of your negative experience.

We strive to provide excellent customer service in a timely manner, and I apologise for any inconvenience this may caused you. If you wish to make a complaint, we have a robust complaints procedure which can be logged by emailing complaintsin@capquest.co.uk.

The way we work is for our customers to get in contact with their debt management company to ask them to get in touch with us, Please get in touch with your debt management company and ask them to get in touch with us.

Thanks,
Matthew

Rated 5 out of 5 stars

I had a recent complaint raised with…

I had a recent complaint raised with capquest ....The lady I spoke to was helpful.and polite throughout.....she made the experience easier to deal with to a successful outcome

August 5, 2024
Unprompted review
Capquest logo

Reply from Capquest

Hello James,

Thank you very much for sharing your positive experience. I am glad to hear that you were happy with the service that you received and that my colleague was helpful and polite.

Kind regards, Matthew

Rated 1 out of 5 stars

Appalling

These people took over an apparent debt with Sygma Bank via Creation Finance and years ago put an order on my partner's home. She denies ever having a debt with these people. We have spent months asking for evidence from Capquest, Creation Finance and Drydens their debt collectors. They all refer to each other. We finally had an acknowledgement letter from Capquest saying they would send the requested documents - namely evidence of the debt. Over a month later we telephoned to chase and were told that despite being on their letter head, the letter of acknowledgement was not sent by them and they knew nothing about it and referred back to Drydens.
My partner's stress is incalculable. The incompetence of all these organisations beggars belief and the couldn't give a (my word was not allowed by the system) about customer service is staggering.

July 30, 2024
Unprompted review
Capquest logo

Reply from Capquest

Hello,

I am sorry to read that you have had a disappointing experience with ourselves, please be assured we value your feedback and take it very seriously.

It is not uncommon for us to send correspondence on behalf of someone else, however for us to not actually be servicing the account in question. It could be this is what has happened with your circumstance, however this should be easily identified and easy to communicate.

If you do not recognise this account, we just need to ascertain who is servicing the account. If it is ourselves, then we can discuss and follow our disputes process. If it is not ourselves, we can check to see who is the servicer of the account and direct you to them. We would need to view the account in question, therefore would ask you to contact us. To contact us you can either visit our online portal at: https://portal.capuest.co.uk or you can call us on 0333 999 7200.

At Capquest we have a very robust complaints process. Based on what you have put in your review we would welcome the opportunity to review your circumstances further and log a complaint if required. Again to do this we would need to speak to you, so we would ask that you either call us on 0333 999 8151, or contact us via the customer portal at https://portal.caquest.co.uk. Alternatively if you have a complaint you can email this to complaintsin@capquest.co.uk

Thanks
Matthew

Rated 5 out of 5 stars

Set up of direct debit

Patient and polite. Service was quick and easy. No issues

July 23, 2024
Capquest logo

Reply from Capquest

Hi,

Thank you very much for sharing your positive experience. I am glad to hear that you were happy with the service that you received and that my colleague was patient and polite. I will do my utmost to ensure your feedback is shared with the agent you are referring to.

Kind regards, Matthew

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