Ruthbridge / Cabot - Believed over 6yr

snappylincs

I get a letter through the door last week about a potential old CC debt.

Purchased my first house last year, held another CC since xx ish which is an has been in good order.

I had experian up until last year, nothing bad at all.

Cabot and Ruthbridge letter in same envelope, Cabot saying I'd failed to agree a repayment plan (news to me) and had passed to Ruthbridge . And then Ruthbridge saying they'd be in touch.

I'm certain it must be Statute Barred, but find that hard to believe given I've got a CC and a mortgage.

Advice on how to handle greatly appreciated.

fermi

How many years would it be since you last paid or acknowledge the debt in writing if you did owe it then?

If definitely over 6 years with some leeway, then you could send ---> http://forums.moneysavingexpert.com/showpost.php?p=34906257&postcount=5

If you are not 100% sure then may be worth waiting until you are and/or doing some digging before replying.

Also contact NDL to ask their opinion. Freephone 0808 808 4000

snappylincs

Checked my credit report at all 3 agencies using a multi agency checker (checks for CCJ's too apparently)

There's nothing visible to alarm, no defaults, no enquiries, no CCJ's.

Any other inputs before I send a prove it letter?

rizla_king

Send the letter here https://forums.moneysavingexpert.com/discussion/2607247

snappylincs

Funny old world.

Today Ruthbridge send a letter offering me an amazing 80% discount.

Kind of them to offer such a discount. I considered their kind offer for half a nanosecond, bearing in mind they have provided no proof of it, or that it's even my debt.

I can see how some people worry themselves sick about these scumbags.

All these letters are being sent from a PO Box in Huddersfield.

Think its been linked to Fairfax, Westcott, Drysden and others.

PO Box 189
HD8 1DY

fermi

snappylincs wrote: »

Today Ruthbridge send a letter offering me an amazing 80% discount.

It's either statute barred or something else seriously wrong with it for them to offer that. :rotfl: