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Fidelite chasing almost 10 year old debt


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Hi

I took out finance for a car loan in 2007/8- for around 6k,

the car was recovered due to me not keeping up repayments and sold on in about 2008.

 

Following this i never repaid any other money

the debt was chased by about 5 diff DCA and

 

in 2009 a county court judgment place on my file.

I never made any payments and now the CCJ is not on my credit file as 6 years has passed.

 

Today my dad contacted me to say someone had knocked on the house and hand delivered an envelop

in it was a card to call fildelite urgent

 

- I called them to find out what this was about and confirmed that a envelope had been left at the address for me to call

 

- a lady then told me i owe them 8k for a loan to Cabot

-this one of the DCA the debt went to at some point over the years.

 

I told the lady that if they want payment they will have to go through the courts as this is many years old now.

 

Have i done the right thing, has anyone encountered Fildelite?

 

Will they send bailiffs to my parents address ??

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Fidelite are scotcall or were

 

they are a DCA

they are not bailiffs

and have NO LEGAL POWERS WHATSOEVER.

 

if they do appear

CALL THE POLICE.

 

the CCJ is older than 6yrs and is unenforced

so bugger all they or anyone can do about it now.

 

and I bet cabot weren't even the claimant on the CCJ?

 

so are trying it on.

to see if they can mug you.

 

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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Thank you - i was stupid many years ago when took a high interest finance loan out on a car, it was originally with someone else, then transfer to moneybarm, then cabboot and now Fidelite.

 

I was concerned as the CCJ is now off my credit file and I am worried they will try the court root or try and remove good from my parents.

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