Couldn't give a Cahoot

yellowlawn

On 28/04 we received a letter from Cahoot bank to a previous address we lived at saying we owed them money and they would issue a default within 28 days of the situation wasn't resolved. We sent a letter by recorded mail in reply saying we haven't banked with them for 7.5 years, had no correspondence or statements since then. A few days later they sent another letter stating that they would be issuing recovery instruction for monies owed. We rang them up but as we were unable to remember account security so they wouldn't speak to us. We spoke to customer services (getting names, times and dates) who agreed to send out forms to reset account security.

Anyone dealt with this before? Were do we stand?

thenudeone

Does anything show on your credit reference agency files?
Best advice is to get a £2 report from each agency at least once a year just to make sure nothing is lurking in the background.

adouglasmhor

If you have had no contact in 7.5 years any debt not time barred in England and Wales?

ChiefGrasscutter

What is curiously missing from the OP's statement - is whether they (the OP) does actually owe cahoot any money.

yellowlawn

ChiefGrasscutter wrote: »

What is curiously missing from the OP's statement - is whether they (the OP) does actually owe cahoot any money.

TBH it's that long ago I cannot ever remember using the account. But if I did don't you think they should have contacted much sooner?

yellowlawn

adouglasmhor wrote: »

If you have had no contact in 7.5 years any debt not time barred in England and Wales?

Sorry what does time barred mean?

ChiefGrasscutter

yellowlawn wrote: »

TBH it's that long ago I cannot ever remember using the account. But if I did don't you think they should have contacted much sooner?

Ah I see...so you not really sure..pity you haven't kept the (or any) records. (note for the future - keep everything!)

If you were absolutely sure you owed nothing and had the records to prove it then your reply is "see you in court" and sit back and watch the fun start - but you not in that position unfortuntely.

I can't comment on debt recovery proceedures as I don't know the detailed ins and outs and don't want to give out misleading/bad advice.
Others on this site know far more!

adouglasmhor

yellowlawn wrote: »

Sorry what does time barred mean?

http://www.debtwatchdog.com/statute-barred-debt-england-and-wales-Article-215.html

They explain it far better than me. Looks like you owe them nothing.

antrobus

yellowlawn wrote: »

On 28/04 we received a letter from Cahoot bank to a previous address we lived at saying we owed them money and they would issue a default within 28 days of the situation wasn't resolved. We sent a letter by recorded mail in reply saying we haven't banked with them for 7.5 years, had no correspondence or statements since then. A few days later they sent another letter stating that they would be issuing recovery instruction for monies owed. We rang them up but as we were unable to remember account security so they wouldn't speak to us. We spoke to customer services (getting names, times and dates) who agreed to send out forms to reset account security.

Anyone dealt with this before? Were do we stand?

I'd try the Debt-Free Wannabee board. There are people there who know all about 'prove it' letters and 'statute barred' debt and will be able to give you much better advice.

yellowlawn

antrobus wrote: »

I'd try the Debt-Free Wannabee board. There are people there who know all about 'prove it' letters and 'statute barred' debt and will be able to give you much better advice.

Do I have to repost and risk duplication or can site admin move it?