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Billy Bremner

Cabot chasing SBd black horse loan debt***Account Closed***

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Hi all.

 

Really appreciate an opinion on next step, if indeed I should even bother.

 

I had a debt with Black Horse which I disputed with them in 2008 approx.

I received many letters from various agencies over the next few years, Clarity, DLC, and Lucas, up until 2013. I didn't ring or write to them and certainly never gave them a penny.

 

This became Statute Barred in around 2014.

It hasn't been on my Credit Report since about 2014.

 

Out of the blue today I received a letter from Cabot saying they now have my account and list some methods of payment etc'!

 

Love to hear your thoughts.

 

Cheers,

Billy.

Edited by dx100uk
Spacing..move

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Ignore or at the very least send our Statute Barred letter..although you may get into letter tennis.

 

 

Andy


We could do with some help from you.

 

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Have you moved since taking this out?

And did you inform the OC or the debt owners of the move?


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Thanks Andy. Wondered if it was worth just ignoring them.

 

No dx100uk I haven't moved. Been at this address 12 or so years and it's the address they were writing to me previously.

 

Also dx100uk I should point out I have financed another vehicle with Black Horse since then and have paid it off.

 

Cheers

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Let it run then


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By that I guess you mean ignore them?

 

Cheers

 

 

Yes, see if theyr'e dumb enough to go for a claim.


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!

HOW DO I START A NEW THREAD?

 

 

 

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Yes, see if theyr'e dumb enough to go for a claim.

 

Haha. I'll be amazed if they do. Maybe they just think I'll pay them :roll:

 

Cheers

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wasn't a secured loan was it?

probably car finance?


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Send them our sb letter in the debt collection section of our library


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Send them our sb letter in the debt collection section of our library

 

Thanks I will. I assume it's ok by email? Then I have a record of it being sent.

 

Appreciate your time.

 

Regards,

Billy

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No post it

Get free proof of posting from any po counter

2ndclass will do


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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I assume it's ok by email? Then I have a record of it being sent.

 

 

Never EVER communicate anything via email, keep EVERYTHING in writing, and ALWAYS obtain 'proof of posting' (which is free at any PO counter) that is the ONLY way to prove it has been sent.


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!

HOW DO I START A NEW THREAD?

 

 

 

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Never EVER communicate anything via email, keep EVERYTHING in writing, and ALWAYS obtain 'proof of posting' (which is free at any PO counter) that is the ONLY way to prove it has been sent.

 

Thanks mate. I will post it.

 

Cheers,

Billy

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Morning all.

 

I am going into town today to post my Statute barred letter and a thought has just occurred to me. Can I send this " signed for delivery " when it is a PO box address??

 

Any ideas anyone?

 

Thanks

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don't waste money

all you need is proof you SENT it

use 2nd class post and free Proof of posting from the PO counter


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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don't waste money

all you need is proof you SENT it

use 2nd class post and free Proof of posting from the PO counter

 

I will. Thanks so much for your help.

 

P.S Just noticed that on my letter with a Cabot letterhead the letter starts with "Welcome to Cabot" but goes on to say this " In order to continue providing you with the best possible service we have returned your account to Cabot to deal with you directly"!!!

 

That sounds an awful lot like one person working for Cabot and dlc and he forgot which company the letter was from midway through writing it.

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Yes, unfortunately they're not very bright :)


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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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nope they should now cease all comms


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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haha you do know how DCA's work don't you...

admit its sB'd...:lol:

very rarely


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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