Cabot Threatening to send ResolveCall

14 Posts


Hi all
Today I received a letter from Cabot telling me that, as I have not responded to any of their communications, they are sending ResolveCall to my house.
The debt is from an old credit card. I have no records of when I last communicated with anyone about it, but it must be right around the 6yr mark. Oddly, this debt does not show up on my credit file, as far as I can see. I've tried multiple credit checks and nothing comes up. Although, I'm not disputing it's validity.
What are my rights with Cabot/ResolveCall?
Is the fact that they are going to turn up at my door going to reset the 'statute barred' process?
Due to a slightly odd living situation, I won't be able to just not open the door. But can I just tell them to leave and not aknowledge them at all?
I do understand that they are not bailiffs and can't impose anything themselves.
Today I received a letter from Cabot telling me that, as I have not responded to any of their communications, they are sending ResolveCall to my house.
The debt is from an old credit card. I have no records of when I last communicated with anyone about it, but it must be right around the 6yr mark. Oddly, this debt does not show up on my credit file, as far as I can see. I've tried multiple credit checks and nothing comes up. Although, I'm not disputing it's validity.
What are my rights with Cabot/ResolveCall?
Is the fact that they are going to turn up at my door going to reset the 'statute barred' process?
Due to a slightly odd living situation, I won't be able to just not open the door. But can I just tell them to leave and not aknowledge them at all?
I do understand that they are not bailiffs and can't impose anything themselves.
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Replies
Firstly relax, any caller has the same right to enter your house as the milkman.
Secondly, if they want to get a CCJ, they need to send you the relevant court papers, to which you can respond with the prove it letter. Since they have your current address if they try anything cute (using an old address), you can get it overturned anyway.
Given what you say about the sudden flurry of letters, it's possible they know that the last payment was nearly 6 years ago and want to panic you.
I doubt anyone will actually call. If they do, they'll just put a postcard through. No-one wants a face-to-face in the current climate.
Although you're not not disputing it's validity, you must be careful not to acknowledge it - that can only be done by payment or in writing.
The time to assert it's statute barred would be if they start any court action. Until then, safest to just ignore.
More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
The self-employed collector gets contracted to do a site visit.
Easiest thing is to report back that they weren't in - posted a card.