Help with Cabot - Santander current account overdraft and credit card

[jims45]

Happy new year all.

After receiving excellent advice from this forum numerous letters received from Cabot stopped and went quiet for several months.

 

Cabot were initially chasing two alleged debts, a credit card and a bank overdraft.

After following advice given here I received letters stating both debts were unenforceable.

 

Now letters have started again but only chasing the alleged bank overdraft (the smaller amount).

I am now 65 years old and receiving state pension, have no savings or assets, drive an old van worth around £1000 and live in a one bedroom retirement flat rented from a housing association.

 

They are asking my current circumstances and threatening more frequent contact though no mention of legal action.

The debt (which I have consistently denied owing) becomes statute barred Jan 2021, should I respond or just ignore the letter as before?

Thanks in advance

[unclebulgaria67]

Ignore for now.

 

Cannot see current point in making any contact, unless you wanted to make the point that you have no means, other than a basic state pension. But they will then ask for more information to prove your finances and if you did that, would they just write it off ?  Probably not. They would hassle you for small repayments.

 

 

 

 

 

 

[jims45]

Thanks for the reply I will sit tight and see what happens.

[dx100uk]

nothing they can do bar beg.

 

the A/C is subject to significant amounts of fees/interest

they would be rather silly to try and get this in a court room door.

 

threads merged 

let it run.

 

dx