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Shazzadms

Cabot chasing an old MBNA debt I don't recall having

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A google search led me here as I'm in the same boat as MadMat.

 

I received a call yesterday, 21.11.17, from Cabot and the caller asked if I was free to speak to which I replied 'absolutely not'.

 

This was true as I was just leaving for work at 07.45.

 

Today I received a letter dated 17.11.17 saying they have recently confirmed I live at my address.

 

I am in the process of moving house and can only think that the company that did the tenant referencing (I had to supply 10 years of addresses) passed my details on because I'm usually careful about sharing my details.

I have had no credit cards or loans since 2006.

 

I have held my hands up when contacted about my debts, had 3 CCJs, one now paid off, and 11 years on I'm rebuilding my life so this is ....!

 

Would sending the statute barred letter not be acknowledging the debt and potentially open up another route to a CCJ?

 

Also what is the link to the statute barred letter?

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its called a phishing attempt. They dont enforce legit debts, so ignore for now but do your homework.

 

Theres no point sending a letter if you dont know what the debt is about, and if they want to enforce it, then they have to provide details of it.


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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urmm...you cant UN bar a debt

not even a judge can

 

whats the debt all about

and why so you think its statute barred

and have you moved since you took this out?

 

because if you HAVE you need to tell cabot your new address

as they'll go for a backdoor CCJ at the old address and you'll know nowt about it

till its too late.

 

yes they can get a CCJ on an undefended SB'd debt

as no human is ever involved

its a rubberstamped default judgement.


..

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So should I write asking them for more detail / evidence as I'm worried about another CCJ and 6 year hassle?

 

Perhaps my subject header was misleading but by saying I don't recall it doesn't mean I didn't have the card in question

as I fell into the trap of opening new card accounts with 'free' transfers

and then continued spending on the old card that had a zero balance as I owed more than I was earning.

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Ha ha, good old cabrot, getting desperate for Xmas profit, ignore them, until they act like adults and tell you what it is they're looking for, and even then, come back here before corresponding with them.

 

If they ring, laugh and hang up. Keep a diary of events.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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So should I write asking them for more detail / evidence as I'm worried about another CCJ and 6 year hassle? .

 

ABSOLUTELY NOT!!!!!

 

Why oh why would anyone want to do the work of a sleazy morally bankrupt DCA, let them waste their ill gotten gains chasing their own tails, stay SHTUM!!


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They say MBNA

- I honestly can't remember if I had an MBNA card as I had just about everything anyone would give me just to be able to buy food and shelter at the time.

 

I know, if I did have and MBNA card,

it would be statute barred as I took a deep breath and dive down in 2006 and stopped paying all creditors just to have some cash.

 

Once I had some cash I acknowledged all creditors that contacted me within the 6 year period.

 

I move next week.

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I would advise, dont respond to them for now. If you absolutely want to, you could send a prove it letter. And keep the SB letter if theyre stupid enough to call your bluff.

 

The prove it letter denies all knowledge, plus puts your address on file so they cant get a claim by the back door.

  • Confused 1

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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Helpful, thank you but to be clear if they come back with proof I do the statute barred thing? No proof = harassment and go away?

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I wouldn't enter into pointless letter tennis yet.

do you know the 16 digit card number?


..

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I don't know the card number, but they say "we own your MBNA - CREDIT CARD" (Their use of caps) and they want the repayment process to be as easy as possible and will guide me to free financial advice. Clearly CAG isn't on their list

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well if you arenot 1000% sure its SB'd

go ring MBNA and ask last payment date


..

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I'm sure it's barred as I buried my head in 2006 and never opened another account for anything what so ever.

 

I think the 'prove it' route may be worth considering is there a link to a letter?

 

Computers aren't my forte

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prove it letter is waste of time

 

send our statute barred letter from the debt collection section of our library.

kills two birds with one stone

tells them your current address so no backdoor ccj.

and tells them its a lemon


..

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You say the following:

 

"Once I had some cash I acknowledged all creditors that contacted me within the 6 year period."

 

How did you acknowledged all creditors, if you done it within the six year period in writing would that not stop it from being statute barred?

 

Regards to all

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that contacted me..might be the important bit.

though we 've never seen a case lost because of a letter alone...


..

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Thanks for the clarification DX

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FWIW I sent them the SB letter from the library, and added the line

 

This letter does not acknowledge any debt owed to you or your affiliates, agents, owners or otherwise.

 

As I too was worried that they might try to argue that the SB letter itself acknowledges the debt

 

Mat

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eh?

 

if the debt is already SB then you cant unbar it by writing..neither can a judge!!


..

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I sent the statued barred letter and Cabot responded with a 1/2 sheet of paper showing I'd paid £35 a month from 24/07/2013 to 30/09/2013 and therefore the debt isn't statute barred.

 

The only match I can make with this sum is that in 2008 I had a CCJ where we agreed £35 / month and I set up a standing order (or direct debit) to pay and after 2 payments were / returned in 2013 I took it that the debt was paid off.

 

Why else would a solicitor's firm stop taking money?

 

My last letter from Cabot dated gave me 21 days to respond and that was dated 18/12/17 but was received 3 days ago.

 

What next?

 

Cabot are a bunch of chancers for chasing a debt I'm sure was paid.

Edited by Shazzadms
num lock off

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SO you have a CCJ for the debt?

 

Is cabot the named collector on the CCJ?

If not, then tough luck to them.

 

ALso, they dont chase enforceable debts,

so theres definitley something wrong with it.


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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Had a CCJ. I paid £35/m for 5 years,

my last payments were returned so I took it the debt was paid.

 

4 years later Cabot have turned up and no, they weren't the named collectors.

 

I keep seeing they don't chase enforceable debts but I've also read they go sneak through the back door with new CCJs

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Go check your credit file.

 

Also, get on to the court and find out exactly who owns the debt and who the named claimant is.

 

If its not cabot,

then theres nothing they can do if they arent substituted for the claimant.

If they are, then you need to do your homework.

 

You also need to check 100% if the debt was fully paid, and not just a guess.

 

Also,

who was the named claimant you were paying.

A solicitor? if so, who were their clients?


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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