Cabot Chasing 20 year old Barclay's Master loan

[dcahater76]

Hi all

 

Got a letter yesterday from Crapbot stating they had traced me to my current address

 

 

in about 1996 Barclay's gave me a 5k loan

they defaulted me in 1998

Cabot started chasing back in 2000

 

 

I was younger back then and didn't know my rights I paid them till 2002 then told them to do One in no uncertain terms

 

 

spin forward 14 years

they are trying to state I owe them 5300

 

 

I am fully aware this debt is well and truly statute barred

 

 

is there any point in inviting letter tennis with these morons by sending them a CCA letter which probably no longer exists?

 

 

Funnily enough I bank with Barclay's have done for the last five years without any problems.

 

 

I personally think Crapbot must be losing the plot chasing debt this old

 

 

what do you guys think?

[dx100uk]

as you have not written to them to date ?

and thus they could file a court claim to your last known address?

 

 

i'd be sending the statute barred letter in the dca section of the library

[dcahater76]

Not heard anything in the last 10 years nothing on my credit file with any of the credit agencies I think they are fishing I have no intention but will send the statute barred letter this weekend thanks for the advice DX

[renegadeimp]

i'd ignore them. They dont enforce legit debts. Its been sol long, their computers likely spat out an automated letter and nobody at cabot even know it happened.

[slick132]

Hi DCA,

 

I'd be inclined to send the Stat Barred letter. This will confirm your current address so you know they have your current address and you can keep track of what they're up to.

 

After that, you can pretty much ignore further demands.

 

When you send the letter, get a free Certificate of Posting form the PO Counter so you have proof, and keep it safe.

 

Edited December 16, 2016 by slick132

[ericsbrother]

well it does appear they are certain they have the right person and address or they will have dropped themselves in it by spewing out details of your personal data.

 

This means they cant go for a backdoor CCJ so no real reason to say anything you dont want to

 

I would also send the SB letter and remind them of their obligations to process your data fairy now they know that they dont have any reason to continue

[dcahater76]

Well sent statute barred letter today and got proof of postage. I am getting used to this now managed to get robbers way to cease chasing me for a welcome debt I have reclaimed PPI on so when I get the money through will be making a donation to cat for the great advise given by everyone especially DX100

[dx100uk]

:rockon:

Nice to see you've moved forward

[dcahater76]

Couldn't have moved on without thee help of CAG thanks for all the help and advice everyone

[slick132]

You're very welcome and your donation will help us remain here to help others.