Cabot and old Aqua Card Debt - will they go for a CCJ?

[comebackjimmy]

Going to follow this one, have dealt with Cabot before.

 

1. Don't throw anything away, file it all in date order including the envelope. Gather any remaining material you have from the original debt, bills, letters etc and also add it to the file.

 

2. Don't reply to emails, just file them in an email folder on your computer

 

3. Don't answer the phone to them.  If they call from a different number put the phone down and add that number to the list of Cabot numbers on your phone.

 

4. Don't worry about any contact you have from other Debt Collecting Companies they may pass the debt onto for a chase.   They have zero standing.  They are good at using their letters and techniques to play phycological games but it is like Tennis, if they hit a ball over the net at you don't hit it back.  They will be in for a doodoo game then!

 

5. DO advise them of any change of address so they don't send Court papers or important correspondence to an old address.

 

6. DO get back on here if you receive a letter before action.

 

7. DO (Optional).  Might be worth doing a Subject Access Request to Aqua to see what data they hold about you.  Would reveal stuff that might be useful later such as default date (helps to calculate the statutory Bar date) and other things. 

 

Nothing nasty can happen until AFTER they have successfully won a County Court Claim, which is usually very very hard work for them and mostly impossible if you follow the advice here.

 

I have benefited from loads of advice from here and like to add my own from experience to help others.