Thanks for re-opening the old thread.

The letter I sent them was a final response stating that save for service of summons (or similar) all further communication from CABOT would be filed unanswered. I've kept to that except for sending STOP a few months back.

Will construct a complaint letter to them this week. Cheers!

did you state the debt was sb'd

if so read conc and send the complaint letter

Yes, dx. SB'd come last July.

I'm going through conc and digesting.

Thanks!

Can't seem to edit the above post.

Just to be clear I plan to complain solely about the texts. I'm not going to mention anything about debts, statute, balances etc.....

Will simply complain that they are still texting despite sending STOP...

Have you already told them its sb'd by letter

No. I haven't acknowledged anything with CABOT.

if you did not clearly state its statute barred as advised if you were going to write

you should have done so

if you write again

then you must state its statute barred

then you can hit them with the conc reference to SB debts. afterwards and hit them hard.

ref post 7 here

http://www.consumeractiongroup.co.uk/forum/showthread.php?457153-1st-Credit-and-Statute-BarredLLoyds-Debt

Ah, I understand you now, dx.

In the first instance I was only going to write to them to request their complaint procedure as they have started texting me despite sending STOP.

This is merely a ruse to confirm my current address with them.

I wasn't going to acknowledge or deny anything to do with the 'debt'.

I was planning to sit back and see what they came back with and then tell them it's SB'd.

Am I right in assuming that you recommend I tell them now, before they've had a chance to clarify the ''alleged' debt they're chasing?

well you appear to be worried they are sending texts etc

if these don't bother you

then do nowt

but you still need to make sure they know your correct address to stop a backdoor CCJ?

else just wait and see if they do

the fact its SB'd once defended will kill the claim dead

your call

dx

Exactly. I'm not worried about the texts. I just want to be sure they have the correct address so there can be no backdoor CCJ's.

I'm going to plump for the less is more theory and give them nothing...

Other than my address, that is.

Thanks for the help!