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Cabot, is it enforceable? They’re relentless
Fabulouso
Posts: 110 Forumite
Can anyone advise me please?
I had been receiving letters recently from Cabot financial. I wrote back and asked for proof the debt was mine.
I was then informed the debt had been sold on.
I informed the new collectors I’d asked for proof this was my debt and they handed it back to Cabot.
Cabot have since posted me statements from a HSBC account from back in 2008. Their ‘evidence’ states that in February 2012 I made a payment of £341.75. (I believe that payment was actually a re-embursment for PPI)
They are saying I owe £1000 and are pretty relentless with their calls and texts. It is getting quite worrying.
What can I do? Does anyone have any template letters they can help me with?
Many thanks.
I had been receiving letters recently from Cabot financial. I wrote back and asked for proof the debt was mine.
I was then informed the debt had been sold on.
I informed the new collectors I’d asked for proof this was my debt and they handed it back to Cabot.
Cabot have since posted me statements from a HSBC account from back in 2008. Their ‘evidence’ states that in February 2012 I made a payment of £341.75. (I believe that payment was actually a re-embursment for PPI)
They are saying I owe £1000 and are pretty relentless with their calls and texts. It is getting quite worrying.
What can I do? Does anyone have any template letters they can help me with?
Many thanks.
0
Comments
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Hi,
All depends on if this is your debt or not ?
Sounds to me as if it may be statute barred anyway.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Even if you did make a 'payment' in Feb 2012 it is statutory barred (assuming the debt is yours) as they have left it longer than 6 years to try to collect. Send them the Statutory Barred letter and tell them that their continued bombardment of calls and texts constitutes harassment, and if they continue you will have no alternative but to refer the matter to the Financial Services Ombudsman.
https://www.nationaldebtline.org/EW/factsheets/Pages/time-limits-for-recovering-debts/statute-barred-debt.aspx0
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