Frequent calls and texts from Cabot

I've 2 debts with Cabot that have long since stopped being reported on my credit report. I have requested proof of the debt and they have replied to the effect that they can't supply the original agreement. All good so far. I stopped paying them anything a few months ago and now they ring constantly or text, or email a letter as I have an online account with them. I havent spoken to them for about a year. When they call again should I chat and ask them to stop calling until they can prove the debt? Would this eat into the 6 year statute barred period if I said this? Thanks. 

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  • EssexHebridean
    EssexHebridean Posts: 24,202 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 1 February 2022 at 10:56PM
    Absolutely. Personally I’d simply tell them that they can now only contact you by mail and that any further harassment by phone will earn them a complaint. It’s best not to get into any further conversation with them on the phone. 
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  • when my debt , 4 years ago was sold to a debt collector, they phoned me on that day, as soon as they said who they were, i just said, i will not discuss anything about this on the phone, everything must be by letter, and i will hang up as soon as you say who you are again, then put the phone down. They have never called me since.
  • sourcrates
    sourcrates Posts: 31,043 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    I've 2 debts with Cabot that have long since stopped being reported on my credit report. I have requested proof of the debt and they have replied to the effect that they can't supply the original agreement. All good so far. I stopped paying them anything a few months ago and now they ring constantly or text, or email a letter as I have an online account with them. I havent spoken to them for about a year. When they call again should I chat and ask them to stop calling until they can prove the debt? Would this eat into the 6 year statute barred period if I said this? Thanks. 
    Your best course of action is to exercise your rights under the GDPR.

    Write and tell Cabot that -

    (A) As failure to comply with a section 77/79 request for information renders a debt unenforceable, you will not be paying these, debts and will instead concentrate on the accounts which are enforceable.

    (B) Under the General Data Protection Regulations, you can choose how you are contacted by creditors, so from now on, please only contact me in writing.

    Send in a letter to Cabot.
    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-letter
  • Thanks Sourcrates :smile:

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