Cabot chasing ex barclaycard debt - statute barred ?

[sid2gr8]

Last payment to credit card 20th October 2011 was sold to DCA October 2015.

No payments until now (13/2/18)

 

Have been speaking on the phone to DCA and sent couple of correspondence emails, with debt reference in subject field.

I'm worried that in one of my emails I may have accepted liability?

just being paranoid

 

This what I wrote.... may 2017

 

Hi, I've not had a chance to contact you because I've had problems with my housing situation.

I had to move out of my friends where I had been living for the last 2 months..

I've found another place to live temporarily...

I'm trying to settle and work, I'm still doing my zero hours contract work with a security firm.

 

It's still very hard, I'm juggling with paying rent and everyday living costs at the moment..

. please call me if you want to speak with me further..

. I have little credit on my phone which I use to look for work and essential calls.

 

does this constitute acknowledgement of debt?

[dx100uk]

no

and why are you even talking on the phone!!

 

you've been here +3yrs and should no better

 

a DCA is NOT A BAILIFF!!

and has

ZERO legal powers

 

whos the original creditor.?

[sid2gr8]

Barclays credit card

 

I was genuinely going to pay them, not get another ccj.

 

Been advised now to claim statute barred

[dx100uk]

are you sure on the last payment?

20th October 2011

 

who's the DCA hoist or link?

[sid2gr8]

Yeah defo sure on the 20th October 2011, phoned them up today and got all the details of account.

 

Also Barclay confirmed... cabot is the dca

[AndyOrch]

Yeah defo sure on the 20th October 2011, phoned them up today and got all the details of account. Also Barclay confirmed... hoist is the dca

 

Then it is statute barred

 

Andy

[sid2gr8]

I was just worried about that particular email that I sent last year, if it would be seen as acknowledgement of debt

[dx100uk]

no never seen that ever...

 

are cabot aware of your correct current address?

i'e have you moved since taking out the card and never informed them or the OC in WRITING you've moved?

[AndyOrch]

I was just worried about that particular email that I sent last year, if it would be seen as acknowledgement of debt

 

No.....you dont acknowledge any debt.....you refer to your personal circumstances....you didn't refer to an account number or balance ?

[slick132]

Hi Sid,

 

Just to make sure, what exactly was the subject heading of any of the emails you sent them.

 

Send nothing more and stay off the phone. If they call you, hang up !

 

From what you've said, you have no need at all to listen to anything the DCA wants to say by letter, email or verbally. Stat Barred as said above.

 

[sid2gr8]

Dx: Address hasn’t changed Was able to get my letters from the original address... never in writing informed them of any change just this email posted above...

 

Andyorch: the email subject was just their internal reference number, not account number or balance

 

Slick: just their internal reference number, send them statute barred letter ?

[dx100uk]

so why are letter s being sent to another address if you haven't moved?

[sid2gr8]

I still have family there that notify me to pick up mail....

[dx100uk]

I think i'd be inclined to send our statute barred letter from your current address

kills 2 birds.

its in the debt collection section of our library

[slick132]

DX is bang on !!

 

The letter will tell them your current address and tell them it's SB'd.

 

If they take court action using the old address, you can show they deliberately used the old address wrongly (so you wouldn't defend) !