Thank you so much for your advice and help, I have now stopped the £1, standing order. if they write to me chasing for a payment. What do I do? Don’t really want them still chasing for money as they still it’s still owed

I received the attached from Cabot saying they havent been able to obatin the information requested. They have replied before 12 days. Can i ask please they say the account is unenforceable however after checking the national debtlines fact sheet it say they can still register information on a credit agency and issue a default notice if payments are missed. I am worried because I wouldnt want antything adverse putting on my credit file. It is now clean with a good credit score. there is nothing on my creidt file about this old debt. I having been paying £1 per month since I defaulted years ago. Could they now issue a defauly notice if I stop the £1 per month? Could they still find my CCA and chse me again? What is the best thing to do contine paying or stop? Thank you in advance for your help. IMG_7630.pdf

I don't recall updating them, however, I am pretty sure they send me statemnet each year. I am guessing them find out from the Electoral roll?

I took out a Welcome Finance unsecured loan over 10 years ago. Can't remember exactly when could be 10/12/14 years ago. Ran into difficulties and so ended up paying £1 a month which I still do. Always paid it after it was passed to different debt collection agencies. Been paying to Cabot for as long as I can remember. My question is do I still have to continue paying? What would happen if I stopped paying could Cabot take me to court or do anything to damage my credit rating? Welcome Finance never took me to court so never got a CCJ. Any advice on what my options are would be greatly appreciated? thank you.