Any idea how I can get the ball rolling with a similar problem? - That's to say, are there email addresses out there where I can get straight to the top or someone just underneath that? Cheers

Christ, even after all these years..Cabot are still at it. They say they got the debt for £2,100 odd- not that it matters but I can guarantee they paid no more than £120 for that debt... I would question a 'counter-claim' for all the unlawful fees- I believe you reclaim them back off Cabot seeing as they are now the 'account holders'.

As an 'old hand CAGer' myself it doesn't surprise me that nothing much has changed since I was here on a daily basis.... All of my £28k worth of debts got written off as SB. Considering I was an original member of the old Cabot Fan Club (for those of you who remember us lol) it's not surprise that Cabot are the last company still trying to claim I owe them money. My 'debt' with Cabot was SB in 2011 yet they still maintain my £1.00 payment (in March 2007) for account info was a payment toward the account balance. But seriously...what has changed ? Reading this thread makes me think nothing has.

Cabot don't even purchase debts for 10% of their face value...This lot are purchasing these debts for between 2 -5 % of face value.

Do nothing I'd say However, according to a Cabot Financial rep I spoke with on the phone earlier - there are new statue barred debt laws and no payment of 11 years on this account doesn't mean it's statute barred.. lol You have nothing to worry about- I think Cabot have recently pulled out a tonne of old SB debts to see if they can get any money out of any of them.

Well well well.. I haven't need contribute on here for a while since I have no outstanding debts that can be legally enforced...well, not according to my old nemesis, Cabot Financial Here's a very brief summary of the 25 min call I had with them tonight. All security checks done...I'm not bothered about talking to these idiots.. Rep from Cabot says his name is Devlin ?? - I don't believe it but lets run with it..SO he starts banging on about this that and the other before I ask him which 'debt' he's talking about...He tells me and I laugh. Me: "When was the last payment made on this account?" Devlin "There's never been a payment on this account, you know that." Me: "And how long has Cabot had this account?" Dev: "Since 2005" Me: "How many years are there between 2005 and 2012 Devlin?" Dev: "Seven, but that doesn't matter because this debt isn't Statute Barred." Me: "Oh really? Can you tell me why not." Dev: "Because there a new Statute Barred laws now and this debt isn't statute barred." Queue howls of laughter from myself and then there was another 15 minutes of back and forth conversation where he pleaded for me to tell him why I wont pay. And him continuing to insist this wasn't statute barred....At one point I said; "Take me to court then!" Dev: "We wont take you to court for £900\" Anyway - it went on for another 5 / 10 mins before he suddenly asked if I could hold as his colleague had some new information for him. About a minute later he came back and said this...truthfully, this is what he said.... Dev: " My colleague has just pointed out that there was a payment on this account in 2007." Me: "Oh really?" Dev: "Yes. An independent, third party bank made a payment on this account in 2007 so it's not statute barred." Well, I lost it at that point. I just couldn't stop laughing. For some reason our Devlin didn't like this and said he'd have to call me back at a later date. I was still laughing when he hung up. It's a shame because I didn't get the chance to ask him if his records showed I SAR'd Cabot back in 2008..Guess what? No payment in 2007 on that SAR Still I guess that's an Ace I have up my sleeve...Might even phone him back and tell him tomorrow. I couldn't resist telling him I was a founder member of the original Cabot Fan Club (I honestly was) but our Devlin's only been with Cabot three years so he still thinks we were a bunch of people set up as a group just to avoid paying. Anyway...This just shows the industry and Cabot Financial (in particular) haven't changed a bit. I am gob smacked to think that they still phone up and tell blatant lies because they know they can get away with it. The industry hasn't cleared itself up at all- I doubt Cabot Financial ever will.... Ah well..might as well send them a letter- been a while since I sent any sort of letter to any debt collection agency....let alone Cabot Financial - shame ole' Kenny Boy is not longer there.

I'm a cheapskate lol - Seriously, it didn't matter what amount I put because they were always going to back off...And feel free to pinch the letter. It's the first time I've ever written one which didn't include all the normal 'legal talk' - I just got fed up with them and decided to reply in their language

Muck Hall started writing to me about a statute barred debt...I just ignored their letters but they went one step too far and phoned me...so I wrote this: I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY Dear Ms Thomson? I have addressed this to Claire Thomson without knowing if she is fictitious or not but I assume the correct person (whoever that is) will read this. Please note this Email is taken as received, read and understood even if you do not acknowledge it. I wish it to be known that if you send me one more letter or (worse still) contact me once more by telephone I will be reporting you for continued harassment to the various bodies which control your distasteful and pathetic industry. In addition, I will be actively seeking compensation through the courts if necessary. However, I will allow you to send me one Email (to this Email address) to confirm you fully understand what I am saying here.... This alleged overdue account of which you talk about is Statute Barred and has been so for some time. You do not need me to explain all the relevant legal jargon regarding this type of 'debt' because your 'company' deals with them often enough. Actually, it is widely reported that most of the alleged 'debts' you try to collect are Statute Barred. So kindly remove ALL my personal details from your systems, go back to Arrow Global and tell them to do the same and while you're at it you can crawl back under that stone from where you so disgustingly emerged. This Email is free, if I have to write any more (or any letters for that matter) to MHall I will be invoicing you £15 for each one. Regards This was their reply the very next day.... Good morning Mr pmhcfc, We have closed the mentioned account and you will receive no further contact from Mackenzie Hall on this matter. Regards Lee Robertson I wonder who'll be next to try it on lol..

Ruthbridge involved??? Debt's statute barred...no question.

No need for the poster to do this...We all know Ruthbridge only chase statute barred debts. I, personally, don't see why he should waste any of his time on these idiots.

Hi You have to remember that having a receipt (proof of purchase) for returning an item is a legal requirement, not just an IKEA one. As for knowing which card you used, one suspects they need this info to look through the transactions on that day- and how many transactions does someone like IKEA have in one day? If your receipt is your guarentee and you haven't kept said receipt, there's no one else to blame really. For all IKEA knows you could have bought that mattress at some car boot sale. I'm not suggesting for a second that that is the case but I'm just trying to point out what could be said if we're talking about having any legs to stand on.

As I've said many many times on this forum...If Ruthbridge are involved, it'll be statute barred...Actually I'm still waiting for them to pick up one of my £27k's worth of Statute Barred debts.

Arrow Global have obviously purchased a portfolio of old debts from NCO Europe. I've recently had the same letter as you. I did a lot of digging around (as was/is my style with DCA's) years ago when my debt was first assigned to FV-1. FV-1 are just another arm of NCO Europe, much the same as FIRE is with Cabot. Anyway, I got FV-1/NCO off my case with a CCA and a few well worded letters. My 'debt' became SB in February of this year. Even though I'm a seasoned campaigner with DCA's I remain a tad confused with the fact that all future payments and correspondence should be directed to NCO Europe. I've written NCO a strongly worded letter basically telling them to P off and warned them to stop writing or else. Rather than send anything to the PO Box address they give, I sent my recorded letter to the correct address which is: NCO Europe, Old Docks House, 90 Watery Lane, Ashton on Ribble, Preston, PR2 1AU. In addition, I CC'd the company secretary of Arrow Global at their address in WC1 (London).

I've never known Ruthbridge to 'own' debts that are not Statute Barred - unless they've moved their own goal posts in the last three months that is...Well known fact that most (if not all) of debts they own are actually statute barred.

Yeah I'm sure I, myself, have mentioned this but I want to remind any newbies about it. I'd still like to know how they are getting away with it though. This information isn't guesswork either, it's 100% kosher.

All, Now I'm not sure if this is the right place to post this, or indeed I've mention all this before...but Provident are (and have been) buying up old debts, sometimes statute barred ones, and then getting the alleged debtor to take out a Provident loan to repay said old debt. Remembering these old debts aren't necessarily loans taken out with Provident themselves. Also it's worth mentioning the ridiculous interest rates Provident charge. I find it hard to believe they are getting away with this but it is happening and happening a lot. If a Provident rep comes calling, telling you they (Provident) have bought an old debt of yours and they are willing to accept a small amount each week for payment, they will set you up with a new Provident loan and charge you an interest rate that will make your eyes water...

And I still don't know why you're paying Cabot (as per your June posting) if all they have is an application form. It's funny, but what they sent you is exactly what Cabot sent me when I CCA'd them almost 4 years ago. And for those four years I refused to pay on that basis - leading to the alleged debt now being statute barred - Hardly rocket science

Now where's ECPR gone ? Don't tell me he's 'done a runner' - I'm shocked and appalled that he's disappeared with his tail between his legs. Now I'll have to go check to see if his 'partner in crime*' is still on the boards. * note, this is a throw away comment and in no way intending to mean that they are actually criminals - wouldn't want anyone to think I was 'wrongdoer' now - would I ?

Besides, how could they prove you didn't send them a letter? I'm not saying anyone should lie per say, but if you tell them you did send them a change of address letter and they say they never received it, surely it'd be up to them to prove you didn't send it...if you get my drift.

Et Contra Pacem Regis You are the weakest link........Goodbye

Great post.... Makes you laugh doesn't it? These people (trolls) actually believe they can hoodwink people into believing them. I know a few on here were taken in but unfortunately for the said trolls, some of us see right through them. It's a shame we won't be seeing Et Contra Pacem Regis on these boards again, well not under that name...Actually, I'm wondering if said person (so tempted to name names lol) had a good chuckle with his cronies when he came up with the 'clever' Latin name - which, in general terms, loosely means 'Trespasser'. I do get some sort of sick satisfaction out of knowing he (they) did spend quite a number of hours typing his cr*p onto the screen, which was a complete waste of time. Unless said person was dictating to one of his secretaries and she had to type it all in..lol Anyway, good riddance to bad rubbish. Perhaps he'll come back under a new guise and try to fool us all again...Better luck next time Mr ........ (oops, nearly said it)...

Ignoring this new letter seems like a good idea to me.

Yep, look on a few of the old CFC postings This one's a good start... http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/67053-information-cabot.html

It is of my opinion that a lot of judges see these types of cases in the same light of the bank charges reclaims. That is to say, they don't want their courts in-undated and cluttered with these typed of cases- hence they rule against you which, in turn, discourages other people claiming in the same way. I feel the judges think that if they awarded against the DCA then the floodgates would open from all and sundry. It's wrong that you should lose your case when there is so much evidence against the DCA. Appears the DJ had already made their mind up before you even stepped into the courtroom.

Weren't they just Seems a certain person/s are missing 'those days'..hence riling the CFC from its slumber.