yeah, probably working on 10th Jan 2017 for SB? don't want to appear an idiot, make a fool of myself and come home with a CCJ. Before that date my defence would be incorrect paperwork, so am gearing myself up now.

Thank you

Hi,

All has been quiet for a while and I am preparing for SB.

Rightly or wrongly in a moment of panic I replied to Cabot's correspondence advising

I believed the credit agreement was legally unenforceable,

the account was in an unresolved dispute with RBS before it was sold

and consequently I did not acknowledge any debt to their company.

I need to ask a silly question,

what defines "acknowledging" the debt?

Does the fact I have talked about it mean I have acknowledged it?

Though I have never admitted I owe the money.

Many Thanks

G

you didn't sign it did you ?

you didn't sign it did you ?

yep argh! Haven't made any payments in over six years

what part of never play letter tennis with a dca did you not follow...............

I suspect that if that got before a judge it would be classed as ackin the debt AND RESETTING THE CLOCK

id let it run

what ever head fit made you do such a stupid ting...

ok I get I'm stupid, but how telling them the debt was in dispute before it was sold and I do not acknowledge any debt to them admitting it? I am confused, Can I send the SB letter if they contact me again?

no you don't send any SB letters.

if they are stupid enough to file a claim form

the SB defence will kill it dead

but don't fire that arrow until needed.

you wrote about the debt

so are acknowledging there is a debt

regardless to if its in dispute or not.

as with all communication s with a DCA

you don't ever tell them anything they don't already know

that's their job to find it out

not yours to tell them.

Thanks dx, will follow your advice this time, though it's not always easy.

I got a reply to say it's on hold for 3 weeks to contact them and arrange a plan,

then is being passed back to collections.

So will ignore until a claim form.

next bloke next desk in a diff coloured skirt using the same printer

all designed to kid you it s going up a chain.

no such thing as a collection dept at a DCA any way.

just silly spoof names

Happy New Year

One of my cards is now over 6 years and a month since last payment and I am ignoring all correspondence from Cabot. I was thinking of sending a CCA request when I feel cornered, would there be any point now in asking for a CCA for the Stat Barred one?

Many Thanks

statute barred is the end of it once you tell them, heard they have hounded somebody after 11 years statute barred, after court threat ran away as breaking all regs on the said subject, these dirty cretins need capping, the dirty trade allowed by dirty governments.

they use to have special hospitals for these type people but they let them out onto society hence lowering of standards in commerce,

other will respond no doubt to your question. bad day

seems the answer already given in a different post, read and digest

as post 57

I agree with you, these "legalised crooks" shouldn't be allowed to become millionaires in this manner.

I am not telling them it's SB until I get the notice before claim form and I still need to buy time for my other one.

Hi dx

"As post 57" Wasn't going to send SB, just wondered if a CCA request would still be necessary?

matters not if its enforceable CCA wise or not if you are claiming SB.

the thing to remember is that in England and wales

even if a debt is statute barred

all that does it prevents whomever owns the debt from enforcing any court judgement or threatening court action

the debt itself still exists and they can ask for payment

and you

can equally ask them to go away.

but best to simply ignore

or send the FCA CONC letter

but you never ever ignore a claimform.

Thank you

Just wanted to clarify, much appreciated.

Hi,

it's been a while

I am now passed my sell by date (Statute Barred) including 1 month after last payment.

Can I relax now ?

Someone told me they can obtain a claim form and have 6 months to serve them.

I received a letter in May advising they would continue to pursue debt , but have not received letter before action.

Rubbish

As post 65

Cheers dx thought as much,

you work very hard ,

enjoy the nice weather.

Think I can handle it from here and I appreciate all your help and support from CAG.

It empowers us to stay strong and fight the them

Will donate!

Wine o clock time

All the best x