Done! My credit file is still clear. I'll do a SAR to Cabot to make up for the guesses

no never SAR a DCA.........

do you know the CCJ number?

I celebrated after 2 or 3 direct debit payments were returned and shredded everything, I know better now.

From recall I was paying Geoffrey Parker Bourne Solicitors and I just googled them and things have gone pear shaped!

They collapsed around the time my payments were returned

but no one from Wright Hassall Solicitors (really!) that took over contacted me.

All I can think is that I should get bank statements dating back to 2008 which will show the regular £35 payments,

who they were paid to,

that I never intended to stop paying and then back track from there?

p.s. Why should we never SAR a DCA?

you dont sar a dca because they have no info on the debt. They only have youre name, address, and basic debt info on a spreadsheet. They wont even have the actual paperwork needed to enforce any debt until you legally request it, then they have to request it from the OC.

its a very very shady industry

5th time of asking....

do you know the CCJ number?

Sorry dx100UK and renegadeimp, I'm not ignoring or avoiding your questions.

As said I shredded the CCJ thinking it was a part of my past and one more weight off.

I've been trying to find paperwork while dealing with life and Cabot aren't helping.

I have only the account number on the Cabot letter.

If they have only basic details and not the full paperwork how do they actually sneak CCJs on people?

I did the statute barred letter and they responded saying I have acknowledged the debt by paying 6 installments in 2013

but as far as I was aware the returned payments meant I'd paid the debt off and their letter said nothing of the payments I'd made between 2008 and 2013.

yes they can get a CCJ on an undefended debt

as no human is ever involved

its a rubberstamped default judgement.

nothing is checked

have cabot mentioned the CCJ or that they know they have a court judgement?

How can I prevent it being a 'rubber stamped default judgement'?

Other posts suggest that nothing is checked but they still get away with it.

I've always been honest about what I owe,

thought I was in the clear and now find that my debt was handled by a solicitors firm that was less than circumspect.

Surely the court should write to me if they take it that far?

And if they do, what do I reply with?

I still intend to be honest, but I expect that the law will be followed by all parties.

Your Q - Have cabot mentioned the CCJ or that they know they have a court judgement? No, not yet

If they have your address then they have to send a fair bit of notice, and go through as lengthy procedure.

If this ever happens, we'ill help you every step of the way.

Right now though, theyre just phishing. Don't bite.

As for following the law...

Nah DCA's rarely ever do that.

Which is why they bluff and lie.

SOme even have the nerve to go to court on the court date and beg you to settle in the waiting room.

they now have your correct address

so no backdoor CCJ

and if there was an existing CCJ on this and it moves fwd

you'll get a letter from the court or the court bailiff.

till then i'd ignore all comms esp from cabot or their dogs.

Got a letter from Cabot today.

"Thank you for paying in the past, we appreciate that you tried....you have £xx outstanding.

You can set up a peronal payment plan..."

From recall my CCG was held by Geoffrey Parker Bourne Solicitors, who are now down the drain.

So, if GPB owned the debt that would be out there for scavengers now?

no GPB were sols they don't own debts...

their clients was...