ccs debt letter.

[juliesearle]

hi

 

received a letter from ccs collect this morning.

.saying a sum of 2886.59 is due to cabot..

as they are pleased to inform me i can settle for 1400

 

...i have no idea what it is for.

 

.but i think about 8 years ago it was for a loan..i really cant remembe

 

r...there is no details on letter just reference no..

 

.i am assuming its for this when i lived somewhere else and personal matters escalated and moved..

 

.this i believe is first ive had anything about this

 

..and cant recall having any dealings with cabot..

..any suggestions thanks..

[Crocdoc]

If you are sure it is 8 years old and no written acknowledgement or payment has been made in the last 6 years (5 in Scotland) then the debt is Statute Barred. In England and Wales for some strange reason they can ask for payment after the expiry of the 6 year period , but it cannot be pursued through the courts. In Scotland the debt no longer exists after the expiry period and cannot be pursued in any shape or form.

 

The mere fact that they have offered the discount would suggest SB.

 

You may wish to check your credit file to see if there is any listing.

Edited February 18, 2013 by Crocdoc

[juliesearle]

it is definately over 8 years..ive been in my new home for 6 years..and must be 2 or or more when i took it out..if its that of course...im sure i sent cabot a statute barred letter and got reply back saying not pursuing this no more..so going to hunt that letter out...thankyou

[padja]

its as Crocdoc says, however dont ring them, I would personally keep letter and do nothing, the chances are CCS have bought this debt recently and are trying to get payment for it. you will probably get a few more letters some with scary red writing, but once they realise you arent going to play ball they will move on. you might get the odd letter from time to time. If they call you DONT answer the so called 'security' questions they are nothing more than fishing to get you to confirm who you are, so they can start harassment

[citizenB]

If you can find the letter that confirmed the statute barred status with no further contact, then I think it is in your best interest to at least copy if to the new DCA.

 

I say this because it looks as though Cabot, have, despite being aware that it istatute barred.. passed the account onwards. Their own regulatory body say once advised of statute barred status they should mark it as such and stop pursuing.

 

You also need to ensure that there is no reference to this debt on your credit files any more ? It should have well dropped off by now.

 

If you cant find the letter, then just send the Statute barred letter.. again.. to the new guys on the block. If they continue trying to collect after you ahve told them it is statute barred and you wont be paying then that is harassment.

[juliesearle]

no nothing showing on my credit file...xx the letter from cabot was actually a old credit card debt from 2004 which is statute barred so which is also not on file...xxx the loan i took out with barclaycard loan was for 3000 but that was back in 2005...so am assuming it is with regards to that...xx think i will ignore as not on credit file and no nothing about it now....xxx

[BRIGADIER2JCS]

I agree with citizen B you need to send a statute barred letter to the new DCA otherwise this will keep coming back.

[dx100uk]

and you've a discount too....phishing trip!!

 

is there a mug at this address that wants fleecing......

 

dx