Mortimer clarke / cabot historic debt with barclycard

thebakers

Mortimer clarke sent me a letter this week acting on behalf of cabot who purchased an old debt from barclaycard

I have never spoken with cabot ever

I am disabled now on benifits amd not well

Barclays £1500 debt they say with court fees with be over £2000

I have not paid anything from the debt since before covid as i was trying to win a case with barclays over then rasing my crrdit limit to over 6k and puttimg me in unaffordable debt

Any advice woukd be greatlt apreciated

As im stressing out and not sleeoing 


 

MEM62

When did the debt default and when did you lat make payment?  Could the debt be statute-barred? 

thebakers said:

I have not paid anything from the debt since before covid as i was trying to win a case with barclays over then rasing my crrdit limit to over 6k and puttimg me in unaffordable debt
 

Barclays raising your credit limit does not put you into debt.    

Grumpelstiltskin

When exactly did you last pay anything?

What exactly was the debt, bank account, loan, credit card?

thebakers

Last payment pre covid 

Credit card from over a decace ago 

Grumpelstiltskin

You need to know exactly when the last payment was.

Reason is to work out if it is statute barred, if you live in England or Wales its 6 years from last payment or acknowledgment, if you live in Scotland it's 5 years.

My guess it is approaching 6 years and that is why it has been brought up now.

ManyWays

The letter you received from the solicitors, was it headed something like Letter Before Claim/Action? Did it have any attachments, including one headed Reply Form? 

The DFW board https://forums.moneysavingexpert.com/categories/debt-free-wannabe may be a better place to discuss this and any other debts that you have, including any others you havent been paying.