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Cabot via resolvecall doorstepper chasing old Goldfish card debt.


Dave2108
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I have a old credit card debt was with goldfish from August 2000 for 7k,

 

Cabot brought this assigned to them November 2008,

I did try doing the honest thing an made some monthly payments the balance is now 6607,

 

they tried applying pressure to put the payments up which then got returned unpaid from my bank

 

since I've avoided them,

 

about 3 1/2 years,

I received a letter from Resolvecall asking for my information an just had a card put throu the letterbox hand delivered requesting I urgently contact them.

 

I don't have the funds to pay them,

I live in rented accommodation,

I'm actually behind n a payment plan with hmrc,

 

the pressure is building up an I'd really like to put this debt behind me.

 

Please can anyone explain the correct procedure I should take.

 

Many thanks

David

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retitled and moved to the Barclaycard forum.

 

cabot and their doorsteppers resolvecall are totally powerless

 

a DCA is NOT A BAILIFF.

and have

NO SUCH LEGAL POWERS.

 

was this card opened at your current address

or you have moved since

 

and you say your last payment was when you were being fleeced blind 3.5yrs ago?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well as they sent resolvecall to your door that's good enough awareness of your correct address in my book

so the cant get a backdoor CCJ.

 

 

I take it cabot have also been writing to you there and the ref numbers match?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Only 6 months ago I registered on the electron roll at that house previously I haven't registered anywhere to avoid everyone, I've had a odd phone call but never answered to them,

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Not a good idea to hide sadly

You leave yourself wide open to backdoor ccj's

A sad old wife's tale that should have vanished in the 1990's

 

You have of course checked your credit file?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

a ccj filed to an old address to gander a default judgement.

 

 

which , they'd be quite legal to do as you've not informed your creditors of a change of address

are ALL your old addresses showing on your credit file?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

well if anyone did file for court

you'd not get any papers as they'd have gone to an old address = backdoor CCJ.

 

 

are all your old address showing on the credit file [linked addresses]

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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oh well you can breathe easy no-one succeeded to date

surprised that I am..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ignore them. Totally. The debt us defunct. It may not be sb but I bet they do t have any paperwork and they've marked you as a cash cow cos you paid without question in the past

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If cabot own it, then the debt is already unenforceable. They dont chase legit debts. Ignore them but do your homework.

 

It is 99.99% likely they cannot get any paperwork for the debt. If you request it i guarantee they wont have it and theyll have to ask the OC. Thats how these things work. They are harassing and threatening you when they dont have the paperwork themselves and are extremely unlikely to get it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi Dave,

 

Approx when did you default on payments.

 

When was they last pay't made to BC or any of their agents or subsequent debt owner.

 

:-)

We could do with some help from you

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Thanks !:-)

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wait their next move

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

You ignore everything from now on unless its a court pack. Then we can easily deal with it .

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ok, so if the last payment was made 3.5 years back, the debt won't be Stature Barred (SB'd) for another 2.5 years (1.5 years in Scotland).

 

If you originally defaulted 9 years back, that's the reason the debt is no longer showing on your CRA files.

 

Did you ever send a CCA Request in response to DCA demands ?

 

:-)

  • Confused 1

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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