Cabot regarding some old catalogue debt?

[shylass]

I'm wondering if someone could help me with Cabot Financial regarding some old catalogue debt?

 

I got evicted from my home due to a divorce in May 2007 and had nowhere to go so didn't leave my forwarding address to the catalogue company.

 

 

I think it may have been 2006 when I was struggling to pay my debts and so hadn't paid the catalogue company from probably around that time (2006).

 

I did find somewhere to live in August 2007 and it was between about 2011 and 2013 that the catalogue company caught up with me.

 

 

I did admit to the debt and said I would try and pay.

I cannot remember if at that time I did make a small token payment or not, but if indeed I did, I never made any more after that.

 

Forwarding on to April 2014,

I had to move house as I couldn't afford the bedroom tax.

 

 

Cabot financial got in touch with me by letter saying that they were wanting money for the catalogue debt and I have ignored the letters and the harassing phone calls ever since I found out that it maybe statute barred.

 

 

Could anyone let me know if this is indeed statute barred given that it is now 2017

or since I admitted to the debt during 2011 to 2013 that it started the clock during this period.

 

Cabot have added £800 onto the original debt.

I haven't acknowledged them and have blocked their phone calls as I don't want to admit to anything until I know my rights.

 

Can anyone please tell me if I stopped paying the catalogue in 2006 and I admitted over the phone that it was my debt some time during 2011 and 2013 if it started the clock again during this period?

 

 

Do I admit to Cabot that it's mine.

I cannot afford to pay the amount of the original debt, let alone the £800 that Cabot have added on top.

 

 

Can Cabot take me to court if indeed the clock started between 2010 and 2013?

 

 

Thank you.

[Bazooka Boo]

Hello,

 

Have you checked your credit file to see what's on there?

Noddle is free.

 

IF you haven't paid anything since 2006, then absolutely NOTHING will unbar it, you can take out a full page spread saying you owe it, but it will still be unenforceable.

 

A phone call saying you owe it DOES not unbar it either.

 

If you are 100% that you have NOT paid anything in the last six years, OR acknowledged this debt (in writing) then fire off the SB letter in the library above, IGNORE everything from Cabrot, less for a court claim, which won't happen, this is a poxy catalogue debt.

[shylass]

Hello,

 

Have you checked your credit file to see what's on there?

Noddle is free.

 

IF you haven't paid anything since 2006, then absolutely NOTHING will unbar it, you can take out a full page spread saying you owe it, but it will still be unenforceable.

 

A phone call saying you owe it DOES not unbar it either.

 

If you are 100% that you have NOT paid anything in the last six years, OR acknowledged this debt (in writing) then fire off the SB letter in the library above, IGNORE everything from Cabrot, less for a court claim, which won't happen, this is a poxy catalogue debt.

 

Thanks very much for replying. I honestly cannot remember whether I paid a payment or just agreed to. I guess I shall have to trawl through my old bank statements. Luckily I've kept them since 2009

[Bazooka Boo]

Good, get all your ducks in a row first, then hit them with facts rather than guessing...

[renegadeimp]

and no matter what, if cabot hold the debt, then it is extremely likely its unenforceable anyway. Like BB said, get your research done first, as cabot will lie cheat and borderline commit fraud to get money from you. You need to be able to stop them dead in their tracks.

[dx100uk]

and they wouldn't have added anything to the debt

they cant

 

 

the cat co. would have done that before sale.

[shylass]

and they wouldn't have added anything to the debt

they cant

 

 

the cat co. would have done that before sale.

 

 

The original debt has gone up by £800, which states on the letter as an admin fee

 

If I find out if I did indeed make a payment to the catalogue company, can Cabot take me to court if the clock started ticking again?

[dx100uk]

you go ring the cat company and ask

[dx100uk]

no such thing as admin fee and ive never seen that before

 

 

however cat companies call charges admin fees

I gather the letter stating that is from the cat co.?

 

 

if not scan it up to PDF

follow the upload