I moved initially to Irvine in August 2014, Moved to Beith in Feb 2015 and have been here since. Always been on electoral register.

Cabots have specifically stated that it was a Sherriff Court Decree. Had it been an English CCJ Id have Known how to Deal with them, But Scots law is different and I have no experience of it. I am resident in Scotland and have been since 2014 when I came home after 30yrs down in England, a long and boring story. I may have been silly accepting responsibility and dealing with DCAs, but have health issues that are progressive and want to get things cleared up financially whilst I am able to without leaving things to my wife in the years to come

Hi dx100uk Many Thanks for a very quick response Cabot contacted me in relation to this, they had my details for the other matter im dealing with them for. I Have never been served any papers in relation to this matter. Could you confirm for me, so I don't go off half cocked. Its a legal requirement that I be served personally, unlike down in england where they can just say it was posted and your deemed to have received. If I haven't been served the matter could not have proceeded to judgment? I have some concerns over the Ref given by Cabots, I would assume that the courts in Scotland would all follow the same system of refs and having a judgement against me i know theirs is very different. I know Cabot's wouldn't be beyond misrepresenting facts

Could do with some help and advice please 9yrs ago I screwed up my finances for reasons Id rather not go into. Im in the process of sorting out remaining issues. One of the accounts that i stuffed up was with Jacamo, The debt has since gone onto Cabots along with one other liability. I was today contacted by Cabot's by phone regarding the Jacamo account. I have not offered any payment declining to acknowledge any liability for the debt. The DCA tell me that i am right in pointing out that the debt would normally be statute barred, however they claim that a Scottish Court Decree was obtained in relation to this account in 2016. I asked them to provide me details of the Decree and said once I have verified what they are telling me is accurate i may discuss the matter further. I received an email shortly after with the details.below I’m pleased to let you know the following information about your account: Cabot reference - *****633 · Original lender – JD Williams (Jacamo Mail Order) · Account number – *****989 · Current outstanding balance – £2,084.17 · Date account opened – 23.07.2012 · Account default date – 20.11.2014 · Interest bearing - No · Court action – account is subject to Sherrif Court Decree SA1161/15 with Judgment Date of 05.08.2016 I hope that this helps. If you’ve got any other queries, you can visit our website and use our live chat facility to get in touch. Alternatively, please call us on 0345 0702618 so we can help you. Our opening hours are 8:00am to 8:00pm Monday to Friday and Saturday 9:00am to 1:30pm. This somewhat surprised my as I was listed on the electoral roll and very easy to find throughout this period yet never received a summons to attend court. I have not received any details of this judgement from the courts. There is no listing of the Decree against my credit file with Experian, Equifax, Transunion or Crediva. Its my understanding that all decrees are listed and passed on the CRAs Is it possible that a decree has been obtained in the first place? If a decree was obtained, how likely is it not to be recorded or misfiled ? If a decree was obtained would it be enforceable after 05 08 2022? If the decree was not obtained how likely would it be that they could still pursue me for the liability? Many Thanks in advance for any help and advice on how to move forward with this matter