got home from work and found a letter from Cabot advising they confirmed i live at my address and are chasing a debt which is probably 7-8 years old.

this debt has never appeared on my credit report in 2.5 years

ive never acknowleged the debt or attempted to pay this off.

do i ignore this letter or take action?

Thanks

what the debt all about please

hi dx,

its an old next directory debt that i assume dropped of my credit report years ago,

ive been checking my credit report religiously every month for the last 2 and a half years and its never appeared.

thanks

so probably defaulted more than 6yrs ago and has been removed

another good indication its SB'd then.

upto you.

they can ASK for payment

and you can equally ASK them to go away.

on a statute barred debt.

as in E&W the debt itself still exists.

however under FCA CONC rules

once they are told its SB'd

they should cease chasing.

you could write with the above

or

you could ignore

its only a phishing letter to scare mugs that no no diff into paying up.

dx

Thanks Dx,.

Will ignore for now and see what happens.

DVDs

so probably defaulted more than 6yr ago and has been removed

another good indication its SB'd then.

 

 

upto you.

 

 

they can ASK for payment

and you can equally ASK them to go away.

on a statute barred debt.

as in E&W the debt itself still exists.

 

 

however under FCA CONC rules

once they are told its SB'd

they should cease chasing.

 

 

you could write with the above

or

you could ignore

 

 

its only a phishing letter to scare mugs that no no diff into paying up.

 

 

dx

Thanks Dx,. Will ignore for now and see what happens. Thanks

just received another letter for Cabot offering a 75% discount on debt.

definitley unenforceable and SB. Cabot dont deal with enforceable debts, and a 75% discount proves that conclusively. The best use for that letter now is for toilet paper.

its xmas we need money for our drinkies party...

definitley unenforceable and SB. Cabot dont deal with enforceable debts, and a 75% discount proves that conclusively. The best use for that letter now is for toilet paper.

Thought so. Many thanks

Keep their deforestation, don't chuck it away just yet. But file under ignore!

Keep their deforestation, don't chuck it away just yet. But file under ignore!

Thank you

had a call from Cabot at work today. asked my name i said yes and said she had to go through a few personal details before she could progress with the call. i said no. she then said when can she call back and said goodbye. Seems they are ramping up their intimidation.

Use a diary to record every time your creditor contacts you, whether by phone, letter, or visit. This will help to show if you are being harassed.

Name of creditor or debt collection agency Date and time of contact Details of contact, for example, type of contact, what the creditor asked for and so on

That's a good idea. i will do. Thanks for that...

had a call from Cabot at work today. .

I hope this wasn't a work phone they contacted you on??