Cabot chasing 18 year old debt

neofuture

So today I open the post and what do I see a letter from Cabot claiming £904 owed to Black Horse Ltd....

I cast my mind back, nope nothing, well not during this marriage.... so I go back a little further, no not during the wife before... (ok been with my wife for 13 years now and 5 years with the one before, just so you get the time line)

So I think even further back to a car I bought for £1800 on finance back when I was engaged to the girl before my first wife (ok ok i have a past, but it was never my doing) and I had a car, I had this car for 3 years out of a 4 year term and handed it back (ok technically not true I stopped paying as I was out for work, the asked for the car back, so I said sure come and take it)

I seem to recall the amount being similar to around £900, back then that was a fortune.

Ive had no further dealings with Black Horse what so ever, and now I get a letter saying "save 50% pay us today and this debt will go away"

Just goes to show what these DCA will go through to try and get money from people, I have a VERY unique name and only one of me shows up in the world so I'm pretty damn easy to find when I get found...

Obviously im only posting as I found It quiet a laugh that after 18 years (the agreement was in 1996 or 1997) they are trying to chase a debt.

So tomorrow I will SAR them under the shiney new GDPR and let you know what happens.

neofuture

Sorry needed to add, I don't think we had the rules back then where you could hand a car back half way through your finance agreement which is why they tried to charge me the rest back in the day, but as I say, this was before my first son was born and he is 19 in April

sourcrates

Just send the statute barred letter instead.

No need to bother with a SAR.

Letter here :

https://www.nationaldebtline.org/EW/sampleletters/Pages/Time-has-run-out-to-recover-the-debt-%28sole-name%29.aspx

Most likely will drop it straight away.

fatbelly

I agree with sourcrates. It puts the emphasis on them to prove this is enforceable rather than you doing the research for them.

Sounds like they're on a loser here even if they did get a ccj somewhere on it.

poppasmurf_bewdley

The DCA probably bought the debt for 5p, along with thousands of others, and are just chancing their arm that one in a 100 will be frightened enough to pay up.