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Please read these terms and conditions carefully before using this site.

As a user of this website (referred to as "you/your") you acknowledge that any use of this website is subject to these terms and conditions.

Terms of website use

This terms of use (together with the documents referred to in it) (“Terms”) explains how you may use this website www.capquest.co.uk (our site) and any of its content (“Site”), whether as a guest or a registered user. Use of the Site includes accessing, browsing, or registering to use the Site.

Please read these Terms carefully before you start to use the Site, as these will apply to your use of the Site. We recommend that you print a copy of the Terms for future reference.

By using the Site or otherwise indicating your consent, you agree to be bound by these Terms and you agree to comply with them.

If you do not agree to the Terms, you must not use the Site or stop using the Site immediately.

Data and privacy

These Terms refer to the Privacy Notice which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using the Site, you consent to such processing and you warrant that all data provided by you is accurate.

Furthermore, like many other websites, we use "Cookies" to help us gather and store information about visitors to our websites. By using the Site (via any device) you agree that our Cookie Policy applies, in addition to any other terms and conditions which may apply.

Information about us

www.capquest.co.uk is a site operated by Capquest Group Limited a company registered in England and Wales under company number 04936030 with registered office at Belvedere, 12 Booth Street, Manchester, M2 4AW and its subsidiaries, Capquest Debt Recovery Limited, Capquest Investments Limited (referred to as "Capquest", "We", “Us” or “Our”).  

Capquest Debt Recovery Limited is authorised and regulated by the Financial Conduct Authority for certain credit-related regulated activities and is registered on the Financial Services Register under registration number 721513. Capquest Debt Recovery Limited is part of the Intrum Group, whose registered UK office is at The Omnibus Building, Lesbourne Road, Reigate, Surrey RH2 7JP. 


We may revise the Terms at any time by amending this page. No changes to these Terms are valid or have any effect unless agreed by us in writing.

Please check this page from time to time to take notice of any changes we made, as they are binding on you. We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes you agree to be bound by any variation made by us.

Changes to the Site

We may update the Site from time to time and may change the content at any time. From time to time information may be out of date however, we will endeavour to update it as soon as possible. Also, when we do make a change, depending on your browser settings, it may take up to 48 hours for you to see the change.

We do not guarantee that the Site, or any content on it, will be accurate, up to date, free from bugs or free from errors or omissions. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on the Site is at your own risk.

Accessing the Site

We do not guarantee that the Site, or any content on it, will always be available or be uninterrupted. Access to the Site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason the Site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to the Site including all costs and expenses you may incur in relation to your use of the Site.

You are also responsible for ensuring that all persons who access the Site through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

Your account and password

If you choose, or you are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any username or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use or if we suspect a breach of security of misuse of the Site through your account.

Any personal information you provide to us as part of the registration process will be processed in accordance with our privacy policy located here.

If you know or suspect that anyone other than you know your username or password, you must promptly notify us using the contact details below.

Intellectual property rights

We are the owner or the licensee of all intellectual property rights in the Site, and in any material (including but not limited to text, images, video, audio, any multimedia content, software or other information or material) published on it or accessible from it.  Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from the Site for your personal use and you may draw the attention of others within your organisation to content posted on the Site.  You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.  Our status (and that of any identified contributors) as the authors of content on the Site must always be acknowledged.

You must not use any part of the content on the Site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of the Site in breach of these terms of use, your right to use the Site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Nothing in these Terms grants you any legal rights in the Site or the content other than as necessary for you to access to it. You agree not to adjust, try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular, in any digital rights or other security technology embedded or contained within the Site or its contents.

No reliance on information

The content on the Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Site.

Although we make reasonable efforts to update the information on the Site, we make no representations, warranties or guarantees, whether express or implied, that the content on the Site is accurate, complete or up to date.

Limitation of our liability

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, the Site; or
  • use of or reliance on any content displayed on the Site.

If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Site or to your downloading of any content on it, or on any website linked to it.

We are not liable to you if we fail to comply with the Terms due to circumstances beyond our reasonable control including but not limited to strikes, lock outs or other industrial disputes, breakdown of systems or network access, pandemic or epidemic, government required lock downs, flood, fire, explosion or accident.

Making payments

The following terms and conditions apply to all persons making online payments to us and all payment plans set up online to make future payments.

Using the online payments facility on this site indicates that you accept these terms. If you do not accept these terms, you should not make payment or set up a payment plan via the Site and should contact us to discuss alternative ways that you can pay.

All online payments and payment plans are subject to the following conditions:

  • Payments must be by debit card only. We accept payment with Visa Debit, MasterCard Debit and Electron. A payment plan for future payments may be set up by direct debit or recurring debit card.
  • In making a payment or setting up a payment plan you are confirming that you are authorised to make the payment as the cardholder, or otherwise that you have the cardholder’s permission.
  • Payments will ordinarily reach the account to which you are making payment immediately, but this could take up to two working days.
  • If the debit card supplier declines payment, we cannot accept any liability for this and are under no obligation to inform the account holder (or if someone has paid on the accountholder’s behalf, the person making payment) of this. You should check with your bank/debit card supplier (or, if applicable, the person making payment) that payment has been deducted from the paying account.


We do not guarantee that the Site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access the Site. You should use your own virus protection software.

You must not misuse the Site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Site the server on which the Site is stored, or any server, computer or database connected to the Site. You must not attack the Site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Site will cease immediately.

Linking to the Site

The Site must not be framed on any other site, nor may you create a link to any part of our Site.

Third party links and resources in the Site

Where the Site contains links to other sites and resources provided by third parties, these links are provided for your information only.  Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them.  We do not accept liability for any loss suffered as a result of accessing any third party site and we have no control over the contents of those sites or resources. Your use of a third party site may be governed by the terms and conditions of that third party site and is at your own risk.

Applicable law

If you are a consumer, please note that these terms of use, its subject matter and its formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Contact us

Call us on 0333 999 7200*

Write to us at: Capella Building, 60 York Street, Glasgow, G2 8JX

Last updated: June 2023

ways to pay

reduce your balance by direct debit, continuous card payment, standing order, or with a one-off payment

make a payment online

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