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Cabot chasing almost SB'd RBS Credit card Debt.


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Good afternoon,

I have just had the first letter from Cabot debt agency chasing a credit card debt for 2012 for £5.5 k, welcoming me to there company.

My last payment was 5.5 years ago so I have only 6 months to go before it is statue barred.

 

If I send a prove it letter and they come back with CCA proof will that mean the the clock starts again from 0? 

I am wondering about delay tactics to try and get beyond the 6 years

 

Am I correct and assuming as long as they issue a court claim before the 6 year anniversary I will not be able to use the statue barred argument

 

I know its a bit confusing my question,

but not sure to go on the attack with a prove it letter or keep my head down and then waiting until the PAP and then go on the attack to ensure the debt is statue barred

 

Thanks a

any advice will be appreciated

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  • dx100uk changed the title to Cabot chasing almost SB'd Credit card Debt.

forget the stupid prove it letter

if you do anything it would be a CCA request

but i concur, await the PAPLOC.

which does NOT reset anything

 

who's the OC

when did you take this card out

balance

defaulted date

 

 

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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With Cabot it's best to ignore them. Likely you are in the clear and can put it to the back of your mind.  

 

The only need to respond to them is if a PAP letter arrives, which I personally think is unlikely. Have you moved house in the last 6 years?

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

 

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Right Gary

 

You must write immediately to Cabot. Do this today, right now! Get proof of posting

 

Account number, Name.

 

My current address is now xxxx yyyy

 

 

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

 

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  • dx100uk changed the title to Cabot chasing almost SB'd RBS Credit card Debt.

yep they'll be phishing letters seeing if you respond..

if not they'll file a court claim using an old address..backdoor CCJ Time

 

you should also be doing this on any other debt that is outstanding that you've used or p'haps last paid within say the last 7yrs.

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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Yup, I bet if you could find the figures, 99% of Judgements obtained by the likes of Cabot are backdoor one's. By informing them, in writing (not by email) of your up to date address, you really are slamming the door in their face.

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

 

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

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Hi 

Thanks for post, that has really worried me about contacting them confirming I live here. 

 

On the letter it states they have verified the address

I was hoping I could now just monitor the letters and reply at the appropriate time if needed with CCA.

 

If I confirm I live here that will blow my statue barred strategy out of the water?

 

again appreciate your advice

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no... what part of the advice are you not understanding ..

NO Letter nor any request is admittance of a debt, ...they are part of your rights to information under the consumer credit act.

 

the only time a letter might hurt you is if you specifically refer to owing money and sign a letter to a fleecer chasing you..

but as we clearly state in our templates...never sign letters ..then your worry is immaterial.

 

a DCA is NOT A BAILIFF

and have

ZERO legal powers on ANY DEBT ...no matter what it's type.

 

you stand a far great chance of a CCJ if you DO NOT inform people you have moved in today's digital society.

as opposed to them claiming in court you wrote acking the debt xxx date..we've never seen a court case lost because of a signed letter of admittance anyway.

 

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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They want to find out if they can send a claimform that you don't know about to your old address. It's the only way they can win a case, is by not having you defend it!

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

 

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

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Good stuff.! You are protecting yourself.  Do you have any other debts?

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

 

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

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no hold the CCA

save that for if/when they issue a PAPLOC.

 

simply write with ref to their ref no.xxxx ex RBS Card Number xxxxx

 

please note my correct address as advised above.

 

dx

 

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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