CABOT and old Northern Rock loan subject to 2009 CCJ

[ExDubai]

Cabot financial have recently sent me a letter (that I believe is standard) saying I owe them money (around £8k) and gives me ways of paying - I have spoken to them as they seem to have got my mobile number from somewhere.

 

They advised that it was an old Northern Rock loan and that there is a CCJ from 2009.

I have said over the phone that I don't recognise this debt and they said they can investigate and it will take 16 weeks.

 

A couple of more points to add and an amendment

 

1. I believe the CCJ was actually around 2011 / 2012

2. Any defaults and CCJ would have fallen off my report around 2018

2. Any repayments would have stopped around 2011

3. Not sure when it was sold to Cabot

4. I think I may have had a couple of letters from Cabot that I chose to ignore as I didn't recognise them

 

Should I send a prove it letter?

[Andyorch]

Was it a secured or unsecured loan ?

 

Andy

[Bazooka Boo]

No need to send a prove it letter, that's old hat now anyway.

 

If this is from 2009 then they are wayyyyyy out of luck, this is not going anywhere.

 

Ignore them.

 

If they ring again laugh and hang up.

 

 

[ExDubai]

Unsecured

 

I think the CCJ was from around 2011 or early 2012

[Andyorch]

An action cannot be brought on any judgment after the expiry of 6 years from the date it became enforceable. The term “action” only applies to the commencement of fresh proceedings on a judgment, it does not include enforcement proceedings so, strictly speaking, for enforcement purposes and enforcement proceedings, no limitation period applies.

 

However, any delay in enforcement on the part of the judgment creditor will affect any award of interest as recoverable interest is limited to 6 years on a judgment that is executed after the expiry of the 6 year period.

 

Court permission is required to enforce a judgment debt that is more than 6 years old. In a particular case of Warrants of Execution, these must be renewed after 12 months if they have not been enforced. Further, the court is entitled to take account of delay and enforcement when exercising its discretion to grant any Order sought.

[Bazooka Boo]

I'd ignore them then.

 

You've not been out the country since then?

[ExDubai]

I was out of the country and returned in 2014 - Cabot have confirmed my previous address on a call - they knew how to contact me

 

is that an issue?

[dx100uk]

nothing they can do now.

 

give us free money please...

[Bazooka Boo]

Yep safe to ignore///