Thanks for the reply. My last payment would've been March 2004.

Please can someone help me? Today I checked my credit report for the first time in years and there is an entry from an old debt I had ten years ago. In 2004 I got into financial difficulties and whilst I negotiated with my other creditors Barclaycard never chased me for the debt so I ignored it and I have never contacted them since. I originally opened the account in 1994 and the final debt was over 10K. The account is marked as delinquent on my report and it is updated every month (non-payment) and the account has never defaulted. Please can someone tell me a) Is this debt statute barred b) Can they collect it should they wish to c) Can I get it removed from my file as it is seriously damaging my credit score? Grateful for any advice - thank you.

Hi Horsemad, Just been reading your thread with interest - really pleased it has gone so well for you. I am in a very similar situation and would be grateful if you would post the info from The Mould up to this forum. To The Mould, It sounds like you have a been a STAR!!!!! Good luck to everyone trying to sort their finances out in the best way possible. Zooee!

Thanks Mpols! Nice to know we are not alone. Good luck with yours and Happy New Year!

Hi Everyone, thought I'd got rid of them after sending the last letter (posted earlier in this thread) then I received this last week. (See attached) Has anyone got any advice - I think I should just ignore it. Thanks and a Happy New Year to all! Fire Letter 1.pdf

Thank you! I'll send it next week.

Hello All, I have received another letter from FIRE (see attached) and was just wondering whether I should carry on ignoring them - any advice would be gratefully received. Thanks! FIRE Letter.pdf

Thanks ScabHunter! I'll ignore them.

Please can someone give me some advice. After sending FIRE a letter asking why Cabot gave them the debt and they weren't supposed to I have received the attached letter. Cabot have added over £3000 to the original debt when it has been in dispute. So I am not sure where to go from here I don't have any money to offer them apart from may be £50. They only have an application form (see previous posts) I do want to get rid of them so does anyone have advice for me for my next step? Thank you! FIRE Offer Letter.pdf

Hello All, Just thought I would give you an update. Sent letter to FIRE with all the usual DO NOT phone me etc etc. I checked on the Royal Mail website to see whether it had been delivered and apparently it had been delivered from the MEDWAY delivery office, a bit strange that considering FIRE's offices are supposedly in Rugby, Medway is also where Cabot letters get delivered from. They have been phoning me today - luckily I have caller display so I just ignore them.

Here's a link to a thread which is alll about a court win over Crapbot!!!!! http://www.consumeractiongroup.co.uk/forum/general/204926-just-back-court.html

reorete - the best thing to do is start your own thread and put Cabot in the title. Also, have a look at this thread which is excellent and all about Crapbot. Good Luck! http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/223570-cabot-financial-dealing-cabot.html

Thanks BB! It is very much appreciated. Luckily I can turn my phone down and ignore them. I sent Cabot the "Don't you dare send anyone to see me" letter and reminding them they shouldn't sell etc etc So, I'll wait and see what the post brings. Unless anyone has any good ideas on what to do?

I'm not sure - the number is 0845 070 2622 - they phoned a couple of times last night and they let it ring for AGES! I got the info about who it was who was phoning from the website "whocallsme" and someone on there said it was FIRE and that FIRE are actually Cabot.

Just thought I would let you all know I had a call from an 0845 number last night. I looked it up this morning and apparently it is from a debt collection company called "Fire" who are also "Cabot". Will see whether they phone anymore today.