Sainsbury loan CCJ - sold to Cabot

[dx100uk]

looking thru the thread 

you last paid well over 6yrs ago when sainsbury still owned it and got the CCJ

and then sold to cabot cant hury you now.

 

cabot didnt enforce the CCJ within 6yrs so its near impossible for cabot to go back to court.

 

the letter you have is simply a chaser.

 

you are safe to ignore them totally.

 

 

[007]

I can't see anything for 6 years on my bank.Scrolling through my accounts.It only goes back to 2015,so i cannot get any further back on my account.

I am not sure if i stopped the drip payments in January 14 or way earlier,i honestly cannot remember unless i posted it in my other thread?

The trouble is i have memory loss through medications.That is why i get all angry,so sorry about the confusion if i cause any.

I will try to get a statement from my bank,that must be why they tried the ccj with hsbc to make it legit they had contact with me to restart their 6 year thing.

I dunno.

 

You never know with cabot,

i bet they try something as they made up statements from the HSBC and tried to use that against me in my last county court case, it was in their evidence bit.

 

If i remember rightly that statement was 2014 with Sainsbury's reference redacted, it was a right snidey looking edited photocopy .I wish i never ripped it all up.

 

These people are like mosquitos.

 

Thank you i will update as they flood me with letters.

 

So reading this again, they could not say they had contact with me to try to restart six years on another separate debt? Even though they had contacted me? Which means the HSBC thing was irrelevant? 

 

I mean i must have acknowledged every debt separately? for any debt to be restarted?

 

You see i have another problem.

 

A huge problem.

[dx100uk]

no you don't have a problem.

 

you are simply trying to read in too much about things.

 

the HSBC debt was dealt with.

 

it doesn't matter what they nor you send and you/they can't re-acknowledge a debt by simply sending a chasing letter.

 

let things run. stop jumping each time their automated PC threat-o-gram machine decides it's your turn to get a letter.

 

dx

 

 

 

 

[007]

I am 100% grateful of the help from you guys

,i used to be devoid of fear or threats from these people until everything went south a few years back.

 

Much appreciated

[dx100uk]

[dx100uk]

open

 

 

[007]

Another update on this, the old hsbc debt has now been sold to a company called NCO Europe from Arrow Global

 

This was subject to an attempted county court judgement, but because of the help from this forum I replied in mcol that the debt was stat barred and never heard back afterwards!

 

Yet here we are still being harassed 

 

I am not going to pay, I am just updating to let people know that these parasites will do anything for pennies.

[Old Cogger]

 

10th August 2022

Dear Sir/Madam

Account No:

Your account or reference number (required)

You have contacted me about the account with the above reference number, which you claim I owe. I do not admit any liability for your claim.

Under the Limitation Act 1980 Section 5:

“An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

Also, the Financial Conduct Authority's Consumer Credit sourcebook states the following.

"...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4

"A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred." 7.15.8

Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, you are no longer able to take any court action against me to recover the amount you allege I owe.

Please confirm in writing that you will not make any further contact about the above claim and confirm that this matter is now closed.

I look forward to hearing from you.

Yours faithfully

[dx100uk]

a ccj does not expire .

 

NCO are part of the arrows group.

 

its gone nowhere and the situation is not changed.

 

[AndyOrch]

If the claim was defended and stayed there is no CCJ....therefore the debt is now statute barred.

[007]

Thank you all

[whitelist]

Once a claim has been made in the county court, stayed or not, does that not suspend the limitations clock until the claim has been either concluded or dismissed?

 

Just seeking clarification

[dx100uk]

The op filed an SB defence in the first place 

 

Yes issuing a claimform does halt the clock, but the longer they leave it ....

 

Your situation might be different .

 

Have you a thread this question is related too?

 

Dx

 

 

[whitelist]

Have no personal issues, just seeking clarification for my own education

 

Even if a SB defence submitted to the original claim, surely the fact they issued a claim must pause the Statute of Limitations until either discontinued or dismissed?

[dx100uk]

That's the strict legal standpoint yes . But obviously the nature of any court claim and it's defence must influence things going forward, each claim POC is diff 

 

Dx

[whitelist]

Yes, fully aware or Estoppel and res judicata