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Cabot Chasing old CAP1 'debt' is it SB'd??


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Hi guys,

 

 

I have checked our credit file and the debt that Mortimer Clarke Solicitors are chasing my wife for is no longer on her credit file.

 

 

How can I find out if this is statute barred.

 

 

We remember the debt but we are sure its at least 10 years old.

 

 

We do know it has been passed around different dca over the years.

 

 

Now had this letter from solicitors for Cabot.

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Statute barred occurs when there has been a 6 year period ( 5 if you live in scotland)

where you have not paid anything towards the debt, or acknowledged it in writing.

 

If it has been passed around multiple DCA's then it is very much a bad debt.

 

 

However, cabot doesnt care, and they have been known to issue claims regardless of the debts validity.

 

 

They rarely, if ever have any paperwork for the debt,

 

 

if they are threatening you, you could simply deny all knowledge of the debt,

put them to strict proof of it

( theyll try and claim that you made a payment in late 2009),

or send them a CCA request while still denying it, and putting them to strict proof.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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what is the debt please?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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how about looking at an old copy of the cra file

when it was showing?

 

 

should have payment history

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

You need to check an old copy if possible. SO you know some of the history of the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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SB has nothing to do with your credit file.

 

 

It is as explained above in post #2.

 

 

You need to start doing some homework on the history of that debt,

 

 

and be 100% sure of the results,

 

 

as cabot and restons WILL claim you made a late payment.

 

 

Of course, it's on them to prove the payment was made,

 

 

but if you have the facts to hand,

 

 

you can throw the book at them and get the regulators involved.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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always the OC

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I am aware that SB has nothing to do with the credit file.My question is if it isnt on my file then surely it must be older than 6 years old

 

DOesnt matter about the age of the debt. You need to check if the related info has been met, and also send them a CCA request. Cabot rarely ever have the correct paperwork needed for a debt. Sadly very few people realise this which is why they are still in business.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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sb runs from YOUR last use of 'an' account

or written ack of the debt

with a signature.

 

 

get that sar done.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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