Hi everyone

My first post here.

I’m seeking advice on being asked by Cabot for an MBNA credit card debt of £2300, opened in Dec 2005 and defaulting in May 2011.

They have history of most of my addresses and I received a letter from them recently to my current address.

They say they have no documentation to clarify the amount owed nor are they able to request any from MBNA.

Apparently the account is on hold for 30 days and then they want a direct debit arranges for repayment.

Any advice welcomed thanks

hope you aren't talking on the phone...

you say defaulted date is may 2011 if so this shouldn't be on your credit file anyway.

when was your last payment/use of the card?

dx

Hello dx100

I also forgot to add the email states they purchased the debt in November 2016.

No I don’t answer ANY unknown callers at all. Last use I have no idea... many many years ago, I expect around the time of the default in 2011. Last payment .... no idea there either ... can Cabot tell me this or do I have to look through my bank statements ?

ignore cabot for now and if this is via email. block and bounce the emails back

its a quick and free way to harass you on debts you probably don't even owe

as long as they have your correct address then make them WRITE.

go ring MBNA ask last payment date.

then comeback here

Hi again, cheers

Ok so after some calls.

Last payment to MBNA was £50 15/03/2011

MBNA sold to Britannica Moorgate on 26/1/12 balance £2556.40

Britannica Moorgate took last payment on 02/08/2012 of £50 and then sold to Cabot On 06/01/2017 with a balance of £2306.40.

So my last payment was 6 years and 2 months ago

So far, all I’ve done is reply to them asking them for documentation that I am responsible for this debt and they can’t provide anything as they stated in today’s email. There’s no ccj in process I don’t believe (the email also said I have 30 days grace to contact them about repayment no mention of anything else) and in none of my communications have I claimed the debt, only asked them to prove that it’s mine.

statute barred then.

send them our SB letter from the debt collection section of our library..ruddy fleecers!!

That’s great. Thanks so much for you swift advice !

Hello again

Hope you’re all good. I’d just like to confirm that this is the letter I was supposed to receive and that it’s correct no one / company can request this amount from me again and that it is now removed from my credit file? My rating will now improve?

Thanks a bunch

It means that they wont be dealing with it anymore and they removed it from your file due to it being SB. Doesnt mean they wont sell it on to a lower form of DCA, but their involvement is over.

The sad thing is they didnt bother to check it themselves. If y ou hadnt have told them, theyd have gone in hard on you.

Hi

Ok. So then if another dca contacts me I send the sb letter again? I’m a little confused... it was my understanding that if no activity on the debt or Ccj action in the 6 year period then it just remains like a stalemate?

Its doubtful you will get anyone. But if you do, just send a copy of the cabot letter.

I’ve also checked my credit score today and it has dramatically improved and nothing owing appears on there

Ok thanks