Cabot & Mackenzie Hall chasing Citi debt advice

[Swims]

I had a credit card with I think Citibank, which I defaulted on due to not having a job.

This debt has been 'sold' to Cabot and this is on my credit file as an open account,

and they are reporting each month as default.

 

First question,

 

the debt default date was 07/06/2008, so I am presuming that this will drop off my credit file in July this year 2014?

 

As this will be 6 years from default and I have had no correspondence with Cabot about the debt or even acknowledged it.

 

Next question,

this debt has been passed on to Mackenzie Hall to chase and I go through phases where they call both my home phone and mobile.

Again I don't answer the calls, and have even blocked the numbers

but they are using a variety of numbers to call and text me.

 

When the debt disappears from my credit file,

does this then means it's statue barred?

 

If so are there letters/ advice someone can point me to about how to follow this up and get rid of it.

 

This is the last of my debts, that are showing on my credit file so I just want to be rid of it.

 

Thanks for the help in advance.

[renegadeimp]

The date of default is after the last date of payment. It is different to the sb date. Chances are it could already be sb or very close to it which is why mucky hall and crapbot are stepping up the harassment.

[Swims]

Thanks, I've just been looking through old credit reports that I've kept and there is nothing on there showing last payment date. Is it best to wait until it disappears from my credit report before taking action, as I don't want it to reappear on my credit report for another 6 years!

[renegadeimp]

If they're just issuing threats then yea. Lie low. Regarding pauments, perhaps check bank statements.

[silverfox1961]

Hi and welcome to CAG.

 

Once a debt hits Muck Hall, the chances are they don't have the correct paperwork to satisfy any claim to the debt. MH are the last resort in many cases as they are the lowest of the low when it comes to a DCA

 

I had a debt with Citi which was with Cabot. I CCAd them in 2008. Haven't heard a peep since. SB this October May be I will get Muck Hall on my case too.