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Cabots debt letter recieved
Sasha125
Posts: 2 Newbie
Can someone please advice me.. long story short, I left my marital home few years ago, but ran some debts from studio catalogue about 8-9 years ago, I was in very financial difficulty so could not pay. Now have recieved a letter from them after all this time, I moved about 4 times since then. How did they know where I live now?!.. I did have some debts to Lowell from years ago but since paid them few months ago. Can this debt from cabots show in my credit file after all these years?, even though only Lowell’s showed & i paid them off. I’m trying to sort out my debts but paying around £3000 from about 8 years ago still scares me. Thank you for taking time to read
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Comments
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They'll have traced your new address through the CRAs or other means. It's not important.
If the account defaulted more than 6 years ago, it won't appear on your files. Its not enforceable if not acknowledged in the last 6 years, unless they have a CCJ against you.0 -
Have you asked them to prove liability for the debts ?
That is your next step, send the provit letter to them.
Accounts stay on file for 6 years after default date, then are gone forever.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
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