Advice re Cabot financial.

terryhelly

Hi,

I hope I am posting in the right place,if not I am sure somone will point me in the right direction.
About 10 years ago I ran in to debt problems,and for sometime after buried my head in the sand thinking it would all go away,which of course it doesn't!!
After much nagging from friends I made contact with various DCA's
made arrngements with them and gradually cleared my debts.
Then a little over a year ago I started getting letters and threats from Cabot financial about a debt many years ago.During this time I discvered this forum and learned many things including info about Statute barred debts.So as a consequence I have totally refused to respond to Cabot.
However yesterday I received an alert from Experian informing me that Cabot had recently(AUG 3rd) made an unrecorded research on my credit file.Do I have anything to worry about and do I need to do anything?
Finally why would they be taking this action now?

I would add that I have built my credit rating up to Good and don't want anything happening to damage it now.
My thanks in advance for any advice.

Terryhelly.

fermi

An unrecorded search is nothing to worry about. Only you are informed about that. It won't show to any prospective lenders checking your file, and won't effect any credit rating.

Unless you get something in writing from Cabot, I would just ignore it.

terryhelly

fermi wrote: »

An unrecorded search is nothing to worry about. Only you are informed about that. It won't show to any prospective lenders checking your file, and won't effect any credit rating.

Unless you get something in writing from Cabot, I would just ignore it.

Thanks for responding fermi.
I am puzzled as to why they carried out a search.

DVardysShadow

terryhelly wrote: »

Thanks for responding fermi.
I am puzzled as to why they carried out a search.

Perhaps they know that you have done debt and they are fishing to see if you have any more???

terryhelly

DVardysShadow wrote: »

Perhaps they know that you have done debt and they are fishing to see if you have any more???

You could be right.If that is the case then they have thankfully drawn a blank!!:)