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Halifax debt sold to Cabot


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Hi,

Halifax recently sold a credit card account of mine to Cabot.

I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future.

However,

I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say

“I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”.

If I made £1 payments to Cabot, would it prevent me from using such a defence in future?

OC: Halifax

DC: Cabot/Wescot

Card account opened: 2016

Defaulted: 2023

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No, but all you'd do is blindly run the statute barred date for another 18 months.

Just sit on your hands until you get a letter of claim, then send a CCA request.

 

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