UPDATE: Received the below letter today Dear ******** Unfortunately Cabot Financial has not yet obtained the required information from Barclays PLC to comply with your request under section 77/78 of the Consumer Credit Act 1974. We will continue to request the information from the original lender to assist you with your request and shall forward this to you once received. Your credit agreement is currently unenforceable which means we are not permitted to obtain a judgement or decree against you in Court. However we would like to remind you that you remain liable to repay any outstanding balance under your credit agreement and therfore recommend you contact us to discuss the repayment options available to you. Yours sincerely Customer Assurance Team So my question is do I now just assume that these low lives will leave me alone or do I need to contact them again. Is it possible that the whole cycle will start again in a few months with a new DCA? Thanks

No I haven't signed any correspondance :-)Thanks will send the Dispute letter this week.

UPDATE I have not heard anything from Cabot since the last letter on 16th August. They have not responded with the CCA request within the 14 days, what should I do next just simply forget about them or do I need to send another letter? Thanks

Response from Cabot: Dear xxxxxxxx I understand you have made a request for information pertaining to your account under section 77/78 of the Consumer Credit Act 1974. Please be assured we have contacted Barclays to obtain the relevant documentation to comply with your request, and upon receipt, this will be forwarded to you accordingly. I trust I have set our position clear. yours sincerely xxxxxxxxxxx I take it I should now just wait to receive more info from them?

I will bear this in mind thanks, Happyhippy1959, but can I ask what is a recon? sorry I'm not really up to speed on all these terms. The debt is not on my credit file and I have had no probs getting credit over the past few years (although I exercise responsible borrowing now:oops:), which is why I'm thinking it is probably statute barred it's just as I said I'm not 100% sure as that whole time frame is a bit of a blur and I have had no helpful info from Barclays as I'm not on mainland UK so can't just call into a local branch to receive the paperwork!

Thanks for all the advice, I sent the CCA letter again with the £1 fee this time recorded delivery so will see what comes back in the post to me.

UPDATE: After getting no Joy with Barclays, basically they said I could only receive a copy of the documantation if I picked it up in a Barclays Branch in person - I live in Northern Ireland and there are no branches this side of the water. I then sent a letter requesting Cabot to provide me with the Credit Agreement and included the £1 fee. Stupidly I didn't post it recorded and this morning I have had another letter from Cabot saying if they do not hear from me my account will be handed to the pre litagation department where they can take out a charging order, obtain an attachment of earnings, obtain a bankruptcy Order! All very scary sounding stuff. Should I send the letter again this time by recorded delivery and see where I get then. Please advise, I'm completely confused. Thanks Lakesidelady

Thanks for the replies guys. There is an account number on the letter, I assumed this was a Cabot generated number but maybe I am wrong and it is in fact a Barclays account number. I will try and phone Barclays and if no luck will send an SAR. Is there any other letter to send to Cabot requesting proof that these so called payment transactions took place?

If, as i am pretty certain this is SB debt, how should I proceed with Cabot? Do I ignore their contact attempts or must I write to them again?

It was a loan account and I have no details (account number etc.) should I still contact Barclays I'm sure that I've made no acknowledgement of this debt in the last 6 years and the last payment would have been to wescott as opposed to Barclays. Sould I write again to Cabot or ignore them and just try and find out info from Barclays?

UPDATE Received this today: Dear .... Further to previous communication regarding this account. We can confirm that this account defaulted in 2005. Cabot financial purchased this on 10th January 2009 with a balance of £4900 Barclays Bank advise that you made payments of £140 after it defaulted with the last payment being received on 3rd April 2007. In light of this if you now recall this account please call to discuss repayment. Should you dispute ownership please provide a copy of your passport so we can make further investigations. Meanwhile we will continue to contact you to discuss this account I know that I made some payments to Wescott on relation to this account and I'm now doubting myself over the time frame ( my husband passed away at the end of 2007 so time has muddled for me around this period.) I moved to Northern Ireland in 2006 and am almost positive I never made any payment to Wescott after the move. Can I request documentation from Cabot to show these alleged payments. Any advice gratefully received. thank You

UPDATE: Another letter has arrived from Cabot saying I need to contact them to discuss the account or the next stage of collections will begin! They have made no reference to the 'prove it letter' I sent them, should I send it again or ignore them? Just nervous about what the next stage of collection is. Any advice welcome... Thank You

Ok so I posted a few weeks ago that I had received a letter from Cabot saying they had bought a debt from Barclays plc and I should contact them immediately. I am postive this is a statute barred debt from around 2004. I sent the prove it letter to them recorded delivery and last night I had a letter waiting from me it said I should contact one of their helpful customer advisors about my account. However there was absolutely no reference regarding my request for them to prove that the debt is mine etc. How should I proceed ? Do I need to request again that they prove this is my debt or do I simply ignore this communication? I'm concerned that if I just ignore them I will end up with a court summons or someting similar! Many thanks Lakesidelady

one last question, I have been living in Northern Ireland since 2005 are the rules different here? I am sending the Prove it letter today.

Update: I ignored the letter a few weeks ago but on Friday I received a letter from Cabot again this time naming Barclays Bank as the company the bought the debt from. The amount is £4602.33:!:, this is the debt I suspected it to be however I have had no correspondence with Barclays since 2003/2004 and have made no payments since then, also the debt is not on my credit file. What should I do? Shall I send the letter asking them to prove its mine or should I go straight ahead and send a statute barred letter? Many Thanks in advance for any help