VERY NASTY Letter From Cabot For Unenforceable Debt

Karonher

Thanks WillingtoLearn

Willing2Learn

Still_Dave wrote: »

The post you are responding to made the point that paying what you owe would solve the problem, and that’s right. An offer to pay only some of it back is not paying what you owe.

I’m afraid that if you welch on a debt then you have no right to expect to be left alone until it’s paid off.

Have you any reason to feel that you don’t owe it, or is it more a case of you just preferring not to honour contracts?

What a load of nonsense!

The OP simply requires the creditor to stick to the legislation, rules and guidance. If the creditor follows the legislation, then the OP would not be getting upset.


At the very top of this board is an announcement stating : Pls remember Debt-Free Wannabe's for support and help not judgement


Do you not understand that statement, or do you just have so little class that you cannot help yourself?

sourcrates

Karonher wrote: »

I know this is not helping the OP but is just for my information. Can you just write to someone who has the legal right to ask for the money not to contact you and expect them to stop? They will know as well as everyone else that the money is still owed albeit not enforceable.

Usually the creditor would realise they were flogging a dead horse and go and bother some other poor soul, doesn't always happen that way, but normally they lose interest pretty quickly.

Cabot will have paid pennies for this debt, they won’t waste time on chasing it fruitlessly, they will move on pretty quickly.

sourcrates

Still_Dave wrote: »

The post you are responding to made the point that paying what you owe would solve the problem, and that’s right. An offer to pay only some of it back is not paying what you owe.

I’m afraid that if you welch on a debt then you have no right to expect to be left alone until it’s paid off.

Have you any reason to feel that you don’t owe it, or is it more a case of you just preferring not to honour contracts?

Still_Dave wrote: »

You can write to anyone you like, and ask them anything that you want to.

Most people would have a bit too much class to make demands of people when they’ve defaulted on debt though.

You sound familiar, like another Dave who trawls these forums looking to troll people.
Debt is ever present in today’s society, most deal well with it, but not all do, this is an advice forum, we try to take a persons situation at face value, and not judge them on their reasons for posting.

Life and debt are intertwined, and both can be complex to deal with, making judgmental assumptions does not help anyone.

Want2BeDebtFree

sourcrates wrote: »

WTL has covered that angle for you above, so unfortunatly its not SB, but it is Unenforcable, I remember from your previous posts the trouble you have had in the past, I have found when dealing with companies such as Cabot, its best to just be blunt with them.

I would write and tell them that as they themselves have deemed this account to be unenforcable, you have more pressing debts that are enforcable to be dealing with, and therefore you have taken the decision not to pay any further sums to this account, please update your records and do not contact me again in regard to this matter.

Wow, Thanks for your quick, speedy and very very reassuring response Sourcrates (once again) ...

I do not mind writing to CABOT & reminding them that the debt is unenforceable, & perhaps even photo-copying a copy of the March 2018 letter [from them] which states in clear black & white that the "debt is unenforceable and that NO court action can be taken". However, what worries me, is that wouldn't that be ACKNOWLEDGING the debt once more? And therefore wouldn't the "Statute Barred Date" be changed to October 2025, (i.e six years from today?)

I would much rather keep quiet and keep receiving these dumb letters than to "mess about" with the Statute Barred Date. Because maybe its a "trap"? Maybe they are "enticing" me to write to them?

What do you think?

sourcrates

Head your letter “without prejudice“ if you have concerns in that area.
That way whatever you write cannot be used against you.

Hugh2

Want2BeDebtFree wrote: »

Hi Guys.

Is there any news on this? I might be having problems with them soon.

H

So, I am now nearly 2 years down the line with CABOT and this unenforceable debt of £2.7K. I've already had the letter from them in writing stating the debt is UNENFORCEABLE as of March 2018, and that they

"are NOT permitted to obtain a judgement or decree against me in court". However I do receive letters from them each and every month. And this months letter is VERY threatening & scary: (QUOTE) - "This could involve an agent visiting your property to discuss the situation if you don't respond within 9 days. If I actually "RESPOND" to this letter in 9 days, then it breaks my 18 month "no contact" with CABOT, and then my "Six Year Statute Barred No Reply / No Contact / No Acknowledgement" of the debt would begin all over again as of Oct 2019... So I don't want to **acknowledge** the letter unless I truly have to. I wrote to them last in March 2018 advising I would cease all payments from that date, and allow the debt to go Stature Barred in six years time, as they cannot find the contract. The letter was sent signed for delivery.

However, if a debt collector DOES indeed come to my door, what am I to do? I am very worried? And also -- could CABOT stick on any more charges to my account for Debt Collectors Fees?

I should also add that the default on this debt was more than six years ago and no longer appears on my credit file. I have nothing in default on my credit file any longer and can now get credit cards again... And HAVE indeed got new credit cards this year.

Thanks in advance guys...

WhenIam64

"Doorstep" collectors are fun people but are no more threat than your neighbour's poodle. You can reply and ask when they intend to call to collect the doorstep as you'll need to hire a jackhammer etc...

If you have ever come across a Freeman of the Land or Sovereign Citizen** they often will remove the Implied Right of Access. The implied right is that people can only visit your door if they are allowed - and it is presumed they have the right unless you tell them otherwise.

Here is a short guide to the law behind it - or not as the case may be

https://www.proservewales.co.uk/faqs/removal-of-implied-right-of-access/

PS. Jacob Rees-Mogg is a fan of Sovereign Citizen. His father, Lord Rees-Mogg wrote a book called the Sovereign Individual JRM is not too keen on people visiting his doorstep but for different reasons.

PPS Why not write in full FOML mode and withdraw the Right of Access. I'd guess they'll put you in the "difficult" pile and go elsewhere.

Want2BeDebtFree

Hugh2 wrote: »

Want2BeDebtFree wrote: »

Is there any news on this? I might be having problems with them soon.

H

Hugh -- No; as of 30th October there has been no news from Cabot. As soon as I hear back from them I shall post on here.

stubbsyUK

New poster!

Yesterday, I got a long letter from CABOT. In summary:

It lists some 'debts' they own, detailing when the took them over etc.

One they have stated is not legally enforceable.

Here's the interesting bit - the detail of unenforceable debt is near enough identical to another. Should I send a CCA request covering the other debt to get them to admit it's not legally enforceable?