Cabot chasing almost SB'd RBS Credit card Debt.

[Gary Lineker]

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

[dx100uk]

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

 

 

[London1971]

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?

[Gary Lineker]

Hi

RBS card was taken out in 2011, default date 2013  £5.5k balance

Yes moved house a couple of times 

thank you both for replying means alot

 

[London1971]

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

 

 

[dx100uk]

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.

[London1971]

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.

[Gary Lineker]

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

[dx100uk]

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.

 

[London1971]

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!

[Gary Lineker]

thank you for all your replies I will write to them confirming new address and asking for a CCA

take car all

[London1971]

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

[Gary Lineker]

no just that credit card  cheers

[dx100uk]

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

 

[Gary Lineker]

Just an update

Just received another letter explaining they are here to help and have many plans in place to help me

I think best to ignore and wait until  they threaten legal action before I request a CCA

any advice appreciated

[dx100uk]

On 10/09/2020 at 15:24, dx100uk said:

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

 

did you?

 

[London1971]

Cripes, please tell me you did! 

[Gary Lineker]

I did 

your thoughts?

[London1971]

Then you have full visibility, don’t do anything unless a PAP letter arrives.

[Gary Lineker]

Thanks London 1971