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    • Thanks BN   I take it this is a good sign then like you say. I certainly won’t be making any payments to them.
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Being chased by Cabot Financial

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Hi Everyone


i am very new to this site but already have found it extremely useful...


I am a bit confused as to wether the account is now statue barred, no payment has been made since 2003, the account was opened in 2001, which was originally provident which was then sold to NCO Financial, then moved to Monument and now Cabot... the balance is now over £1600 and the balance was roughly around £600, so as you can imagine I am more than reluctant to pay this as I do not owe all this money - NCO were very nasty and were originally advised that I could only pay £40 per month which I was paying , then one evening whilst I was at work my husband received a phone call from them advising him of the balance and also that they were prepared to offer a settlement figure of £513, all of this was in my name only and he did not even know that I had credit let alone struggling with it.... I sent letters after letters, requested that the person who spoke to my OH had breached the data protection act, when I requested that they listen to the call I was advised that there was no call recording made - how convenient ! The chap was extremely rude.... Needless to say the correspondence dwindled I then was advised that Monument were now in possession of the account... again I sent corrrespondance and copies of copies etc etc to prove to them what they had done and also that the balance was increasing and I didnt know why as it was being held with a debt collection agency . . Cabot are now threatening me with door step call, I have responded today with the template of letter from here advising that I will only correspond in writing, but i dont know what to do next ! ???

It is stressing me out big time and I am so on edge all i want is an end to this I have other debts that I am struggling to pay and just wanna get this sorted....so please any help as to my next move would be so greatly appreciated

Many Thanks



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do you know what month in 2003?


i would still send the statute barred letter in hope



ida x

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Firstly, take a breather and relax a little. I know its hard to see how things can get better sometimes, but I am sure they will improve in time.


I guess the important thing here is that although no payment has been made since 2003, what date in 2003? I believe 6 calendar years have to pass for Statute Barred to take effect.


Also - did you ever write to them acknowledging the debt? I see they have 'lost' a telephone call.


There are some excellent people on this site who can offer more solid advice than me, but I reckon the CCA route, S.A.R. to see what unfair charges were applied might be in order IF its less than 6 calendar years.


> 6 calendar years and no acknowledgment from you, you have nothing to worry about - thats what I have learnt from research in the past month.

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Ok if your last payment was in 2003, it will be Statute Barred (SB) this year.

So long as you haven't made any payment toward this debt? Nor acknowledged it in writing, over the phone doesn't count.


If it is now with crapbot, it will almost certainly be unenforceable for one reason or another.


The thing to do now is to try and find out when your last payment was made, by checking your own records first.


Good to see you have managed to find your way around the letter templates, have you had a read of the CCA request and SAR request letters?

You could always print off a few SB letters for when you know for sure the last payment date.


But as IDA said, there isn't any harm in firing the SB letter now, and then it will be up to them to prove to you it isn't, and if they fail to respond, and sell it onto a new DCA, then that would be confirmation enough that it is SB:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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