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Cabot chasing ex barclaycard debt - statute barred ?


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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?

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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.?

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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are you sure on the last payment?

20th October 2011

 

who's the DCA hoist or link?

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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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

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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?

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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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 ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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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.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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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 ?

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

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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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

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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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) !

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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