Hi did a CCA request to Cabot and had a letter back from Cabot about 18 months ago saying credit card debt was unenforceable but still obliged to repay - stopped paying and did not hear anything further

They have just started ringing me and writing asking me to contact them re paying off debt - I have not contacted them

Any advice please - should I be doing anything - anyone know why the contact after such a long time Thanks!

Hi did a CCA request to Cabot and had a letter back from Cabot about 18 months ago saying credit card debt was unenforceable but still obliged to repay - stopped paying and did not hear anything further

 

They have just started ringing me and writing asking me to contact them re paying off debt - I have not contacted them

 

Any advice please - should I be doing anything - anyone know why the contact after such a long time Thanks!

Probably just testing to see if they get any response, before passing the debt onto another DCA.

As they have this down as unenforceable, pointless responding.

who was the OC?

dx

Make sure you log all those calls and report them for harassment, this outdated method of attrition should be outlawed by now.

Hi thanks for your replies

The OC was Providian

Just thought I'd add that I have another unenforceable with Cabot (Barclays)

and in that case they have said they won't pursue collection but this does not count as a write-off

Thing is that letter is from Cabot Financial Europe but the Providian letters are from Cabot Financial Marlin - are they different ?

Yes thought I would not respond to their letters etc

- just wondered if there had been any rule changes about unenforceable that has kicked off the new contact attempts

Thanks for your help

they are all part of the same group.

so it was an old monument card then, which went to Providian and then Barclaycard.

Hi it was taken out with Providian and then went to Cabot when I got into financial problems - been with Cabot since about 2003 thanks

2003? Def ignore it.

very likely long statute barred plus an UE CCA.

They know it,

you know it,

but since you keep responding to them and for some ungodly reason PAYING THEM.....

they have you marked as gullible.

Keep a log of all times they try and contact you,

then get off a full complaint to them and the FOS.

2003!!

they are having a laugh!!

so this is another one of your debts you were blindly paying thru your DMP

that you cancelled?

dx

Yes you are spot on - not only paying but Cabot also added on loads of interest in one lump sum to the Providian account a few years ago which meant the debt was much more than when they bought it !

That got me thinking about my DMP etc and eventually found this site which has been brilliant at helping me sort things out - so glad I found it - thanks for everyone's help

When the original agreement is terminated, the DCA cannot add on anything. IF all paperwork comes back as fully valid ( wont happen with cabot), then you pay the ORIGINAL amount at termination, and not what cabot says.

If a dca tries to add on anything, then you need to complain loudly as its not allowed. Many dca's do this and claim it as a simple admin error. The fact is its not an admin error at all, but part of their main business practice.

they added interest because they saw you were a cash cow

dx