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

Ok thanks

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?

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

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

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.

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

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 ?

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