Cabot - chasing BOS credit card debt - prob SB'd

[MrGreen]

Cabot have been chasing me for a debt on a BOS credit card from 10 years ago. I've been ignoring the letters and they've now said my account has now been "reviewed for legal action".

 

How should I respond to the letter?

[unclebulgaria67]

If the debt is definitely statute barred with no payment or acknowledgement within the last 6 years, then just send them statute barred letter from CAG library or your own letter warning them that the matter is statute barred and under FCA debt collection guidelines they must stop chasing this when asked to do so.

 

They should check and if this is correct, just acknowledge and stop contacting you.

[dx100uk]

ignore if its sB'd

 

 

save the sb stuff for IF they send a claimform

[MrGreen]

How do I know if it's statute barred?

 

I had a few debts, all from 10 years ago, and I did make some payments but I didn't keep any records of to which one.

[dx100uk]

ring the original creditors and ask?

[MrGreen]

I've received a letter from Restons Solicitors claiming they have instructions from Cabot to issue a claim in the county court unless I pay up by the 11th.

 

Should I send them a CCA request to see if they actually have the original paperwork?

[AndyOrch]

Send your CCA rquest to Caboot not Pestons...you can send them the SB letter.

 

Andy

[andydd]

If its SBed then just ignore, dsont waste your time, Ive got Egg debt assigned to them in 2009, Ive never responded in any way or made payment so its well over 6 years.

[AndyOrch]

If its SBed then just ignore, dsont waste your time, Ive got Egg debt assigned to them in 2009, Ive never responded in any way or made payment so its well over 6 years.

 

This is a Solicitor chasing ...not a DCA

[andydd]

This is a Solicitor chasing ...not a DCA

 

You are right..I only read the first post..if you are certain its SB I wouldn't reply to solicitor, let them start a claim, you then put in strike out application to get it struck out for abuse of process coz its SBed and ask for your costs at LiP rate (its pre-allocation at this stage so fast track rules apply), you could get a few hundred quid... Simples

[dx100uk]

I instruct my dog to sit

If it does is a totally diff thing

[MrGreen]

I sent a CCA request to Cabot on 6th January.

Delivered and signed for on 9th January.

Received a letter today (17th) dated the 10th.

 

Letter says:

 

"We currently do not have this information on file. However, I have requested the relevant details, which will include a copy of the credit agreement, statement of account and original and varied terms and conditions from the original lender.

 

I acknowledge the 12 days time limit to provide this information before the credit agreement becomes temporarily unenforceable. However, as we have to request the details from the original lender I anticipate that we will not be able to provide this within 12 days but we hope that within 40 days we will have retrieved the information to comply with your request. In the unlikely event we are unable to obtain this information after 40 days, we will write to you again."

 

 

What happens if they come back after the 12+2 days?

[dx100uk]

std cabot reply to a CCA request.

 

 

until/unless they comply with enforceable paperwork they'd be a bit foolish to issue a claimform.

 

 

if you were paying then you could stop but you aren't.

 

 

did you ring the OC and check SB?

[MrGreen]

Just spoke with BOS and their adviser didn't understand what Statute Barred was. He did however confirm that the account was sold to Cabot on 27th June 2016.

 

He also confirmed the account was CLOSED on 6th June 2007.

[dx100uk]

brill well statute barred then.

 

 

dx

[MrGreen]

What do I do now?

 

Do I inform Cabot?

[dx100uk]

send pestons the SB letter as advised earlier

[andydd]

Id recommend my post #10, you do not have to chase them to prove its not owing, there is no need to do anything UNTIL they issue a claim.... then whack em on the head with a strike out claim and get your costs..make some money out of them

[MrGreen]

Nothing from Cabot in 60 days regarding the BOS card. Do you think they'll come back?

 

Just received a 'potential legal action' letter from Cabot regarding a Goldfish card so sending them another CCA request for this.

[AndyOrch]

They will probably pass it on to Ruthbridge next....as they are at stalemate with the CCA request.......just ignore.

[MrGreen]

I'm guessing Ruthbridge are another DCA?

 

Not sure if you want to move this thread as I've just issued a CCA to Cabot for a Goldfish card and RBS have passed an old card to Moorcroft. Moorcroft sent me a letter asking me to confirm my address but I ignored it. All of these debts are from about 12 years ago.

[AndyOrch]

Start a new thread for each debt...dont mix threads.

 

Andy

[MrGreen]

Thanks Andy.