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CABOT and old Northern Rock loan subject to 2009 CCJ


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Cabot financial have recently sent me a letter (that I believe is standard) saying I owe them money (around £8k) and gives me ways of paying - I have spoken to them as they seem to have got my mobile number from somewhere.

 

They advised that it was an old Northern Rock loan and that there is a CCJ from 2009.

I have said over the phone that I don't recognise this debt and they said they can investigate and it will take 16 weeks.

 

A couple of more points to add and an amendment

 

1. I believe the CCJ was actually around 2011 / 2012

2. Any defaults and CCJ would have fallen off my report around 2018

2. Any repayments would have stopped around 2011

3. Not sure when it was sold to Cabot

4. I think I may have had a couple of letters from Cabot that I chose to ignore as I didn't recognise them

 

Should I send a prove it letter?

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Was it a secured or unsecured loan ?

 

Andy

We could do with some help from you.

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No need to send a prove it letter, that's old hat now anyway.

 

If this is from 2009 then they are wayyyyyy out of luck, this is not going anywhere.

 

Ignore them.

 

If they ring again laugh and hang up.

 

 

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!

 

 

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An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies.

 

However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period.

 

Court permission is required to enforce a judgment debt that is more than 6 years old. In a particular case of Warrants of Execution, these must be renewed after 12 months if they have not been enforced. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.

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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 Topic please PM me a link to your thread

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  • dx100uk changed the title to CABOT and old Northern Rock loan subject to 2009 CCJ

nothing they can do now.

 

give us free money please...

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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