Hi all

I have an old Halifax credit card account opened in 2001.

For the last few years Cabot has been trying to collect on a balance of £2097.60.

I sent a SAR to Halifax,

they sent me back a mountain of paperwork from which i found that the last time I made a payment to them was in 2006.

Statements continued to 2014.

There was no mention in the paperwork of transferring ownership to Cabot.

There was also a copy of the original CCA.

For the first few years I was paying PPI and the outstanding balance is made up of a lot of fees.

However it is my understanding that the account is too old to query this.

I sent a CCA request to Cabot.

They replied saying they couldn't find it and that collections would stop until they could produce one.

They sent me an unsigned word processed doc which would have approximated the real one - is this legit?

Moorcroft are now acting on cabot's behalf and threatening doorstep visits and phoning at 8am everyday.

This account does not show on my credit file.

Just wondering what anyone else would do in this situation

- should I make a f+f offer to Cabot?

Moorcroft?

Any advice would be thankfully received.

- should I make a f+f offer to Cabot? Moorcroft?

 

Any advice would be thankfully received.

when your last payment was 11 years ago!?

Last time I made a payment to OC was in 2006. Unfortunately, I made a payment to Cabot a few years ago on the phone (I know...). Really, I just want this to stop.

muppets

the debt is statute barred

send them our SB letter from the debt collection section of our library

then ignore them.

Cabot/Moorcroft or any DCA are

NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

you can reclaim the PPI from Halifax

but do it yourself with our help

Thanks for the reply. Is this statute barred even though I made a payment to Cabot a few years ago? According to my understanding, it may have already been statute barred when I made that payment.

Also, I am hoping to get a mortgage in 2018. As i said at the moment it is not on my CRA. Does the account being statute barred stop anyone from getting a CCJ against me?

Last time I made a payment to OC was in 2006. Unfortunately, I made a payment to Cabot a few years ago on the phone (I know...). Really, I just want this to stop.

when was this payment to cabot,

after 6+ yrs from the last payment to the oc?

Yes, it was in 2014 and last payment to OC 2006.

oh dear got sc@mmed

a period of 6yrs had elapsed its still SB'd

they cant get a CCJ no

it cant comeback on your file no

Yeah, I realise that.

It was my time dealing with DCA.

They have even since said this in an email

- 'We can confirm that the default would have been automatically removed by the Credit Reference Agencies on the 6 year anniversary date of the default,

in this case it was defaulted on 12th December 2006

and was removed 6 years after this date.'

The only thing is,

since Moorcroft have got involved the attempts to collect have escalated,

would sending the SB letter stop this?

As I said, I don't want anything to impact my ability to get a mortgage.

Thanks for the prompt help btw

unless there is anything else to it, from what you say its barred. you don't have to pay any more.

and once they are told it's barred they should stop.

the default has gone, and won't reappear.

please don't be scared of powerless DCA's.

theres really nowt they can do.

send that letter