Thanks dx , I did make a small donation earlier will do my utmost to contribute when I can I won't forget

Thank you and all who helped

Hi Every one , thanks for your help in this matter I Have an Update have just received a letter from Cabot ( my post code is wrong in this letter) she even gives her name dated 07/03 the letter says that she hopes to help me by providing a resolution to this matter. her understanding of the dispute - you state this account is statute barred ( i never acknowledged it anyway) she in investigation as below gives a account opening date in 2008 ( probably wrong) gives a time it was active for a date a default was applied says cabot purchased it in 2011 and they were provided my details as the account holder. they acknowledge the above account is statue barred and so governed by the limitations act 1980. apparently they do not consider their actions to be in breach of any law or regulatory guidelines the account has been withdrawn from our "Regular" collections and closed . and in conclusion they say in the light of the above i have made the decision to close the account and i will no longer hear from them or their agents goes on to say tht they can confirm it should now no longer show on my credit files. (it had fallen off years ago anyway , i will check my CRA's again to see if they have been messing with it or not). in spite of what they state this is the only area of concern on the letter they state " Statute barred debt still exists and is "Recoverable" where contact has been maintained during the limitation period.

That was me yes my name is very complicated and very long thought it was my duty however small it was maybe someday I can make a bigger donation.

I have made a small donation it will come from a different email address ( PayPal) apologies it's not big I will again when I can we this site is really priceless for people like me , and the work you do is amazing

Hi, Letter received from Ruth bridge today, Further to the receipt of your correspondence regarding the issues raised they have now liaised with their client who have requested the account be returned to them to deal with the matters that you have raised. It goes on to say that the account has been Closed on Ruth bridges system and i won't receive any communication from them . Apparently Cabot Europe advised them that they will be in contact with me shortly to "deal" regarding the matters I have raised, funny thing I sent the copy of the same to Cabot as well which they received on the same day 11 days to date. For which Cabot did not respond .

Thanks Andyorch ,and every one else, just to clarify things my earlier question as Andy says was hypothetical as I came across these two outfits had done it to that OP for SB Debt(earlier copied and pasted what that person had written),also they had conjured up a fake payment record. On my case I know I hadn't made any payments after mid 2009 , a default was registered on my Cra files late 2009 this fell off in 2015, I know for certain that I did not make any payments or make a written acknowlgement after 2009 that is certain I did not have money or means physically or mentally , if they conjured up fake payments or not I don't know as stated earlier I also checked with registry online and it came back as clear. Only update I have is as mentioned in post #62 they ignored the SB letter I sent which they signed for on the 2nd but say I didn't respond to their communication and sent the letter received as in post #62 , as advised I haven't done anything since and am waiting to update when I get anything else.

Thanks London 1971,dx has told me countless times, but I read a couple of other threads where they have, but yes it has hit home now , I will update again when there is an update again all your advice is massively appreciated,

Understood, I'm as frustrated with my self as you , I will update this thread when I get an update and stick to it apologies.

Thanks dx so I completely ignore this letter? Do I refrain from correcting my mistake of not signing my full name with the initial on the SB letter I sent ? Thanks apologies for being a right pain

I received a letter today they have completely ignored the SB letter they signed for on the 2nd of march and say we have had no response contact with you regarding the unpaid defaulted account above( the default fell off in late 2015). It goes on to offer me a 70% discount subject to criteria if I pay by 15/03/20. Says if I don't pay or make another proposal or why I'm unable to pay (which I have by sending the SB letter) their client will look at alternative action. Final paragraph says if I make partial payment that they will update credit reference agencies mark your account as partially settled, are trying to mess with my credit filed too by adding another default? There are no defaults on my credit files as they are long since fallen off will they do this again? Another thing I i noticed is that they are addressing me in the letter as for example " John A listless" where I digitally signed the letter as "john listless" could this be the reason that they ignored the SB letter ? , do I re send the SB letter with full initials and point to the letter they signed and received on 02/03 and ask them to stick to what is written there? Thanks

I honestly had no intention of running away from debt I continued to pay them for 2years + after a life threatening illness till my savings ran out , with my income getting more limited after the illness till I came down with it again against all odds and doctors expectations, I had no option but to bury my head at this point till my relatives got to know I was in a shelter they took me abroad To try treatment , I should have let them all know creditors know but I didn't even think about it then . All 3 credit ref agencies have my new address as I updated voter reg after coming back , and I haven't paid or used any other for over 10 years. Apologies I know I'm trying to justify my mistake I should really have let them know, but I'm still just trying to rebuild my life , Sorry I will try not to distract from why this thread was started, I'll post an update when I hear something . Apologies again

Thanks dx , I know you told me it doesn't matter my mind keeps going back to that sentence missed about telling them specifically update their records to my address well I technically did tell them to update as above so one could argue I did. I also managed to find some statements from capone last payment seems to be from may 2009 statement from June I know I didnt acknowledge or make any payments to any one afterwards, so I'll have to wait and see. Also it's the electoral roll I guess that alerted them now to think of it so I guess I'll get more letters from others... Oh well thanks to you'll hoping to get through it , Thanks again

Thanks dx, just my nature I guess ,I just don't know what they might be up to

Almost a week after they got my letter ,I heard nothing from them, either way in getting nervous.