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Cabot
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Dant
Posts: 46 Forumite
So well over 6 years ago I had a AA credit card and got into difficulties and stopped paying it I have moved twice since then and this last few weeks I have been getting letters from Cabot asking for payment for the amount really worried that they will take me to court what do I do it’s effecting my mental health now
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Help would be appreciated as I am really worried about it now0
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Dant said:Help would be appreciated as I am really worried about it now
As for your debt, if you have not paid, or acknowledged it in writing for more than 6 years, its most likely to be statute barred by now, are you sure of your dates ?
If you are, then send Cabot the statute barred letter, if your unsure of your dates, then send the "provit" letter instead.
You must be certain of your position, as the former letter admits the debt, wear as the latter one does not.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 -
Sorry not used to posting on here but I will send a prove it letter then if it’s proven by them over 6 years can I send a statute barred letter?sourcrates said:Dant said:Help would be appreciated as I am really worried about it now
As for your debt, if you have not paid, or acknowledged it in writing for more than 6 years, its most likely to be statute barred by now, are you sure of your dates ?
If you are, then send Cabot the statute barred letter, if your unsure of your dates, then send the "provit" letter instead.
You must be certain of your position, as the former letter admits the debt, wear as the latter one does not.1 -
Yes that's right. You may find they invent a mysterious recent payment, but see what comes back.0
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