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Hi All
I've recently been receiving letters for Cabot over an alleged debt with a card company called 'Monument'. I have some very vague recollection of this debt but it's going back a considerable amount of time -we're talking at least 10 years. It's not listed on my credit file so I fell quite safe in assuming it's statute barred.
I replied to a letter from Cabot dated 17th Jan with a the 'prove it' letter from this site. About a week later I received a letter from 'FIRE' - Financial Investigations and Recoveries Europe' (who incidentally are based in the same town as Cabot with a slightly different PO Box). The letter stated that the debt was now being handled by themselves. I replied with the 'prove it' letter again. Shortly after I received yet another letter from Cabot asking for payment.
Is this a tactic on Cabot's part? - to bounce the ownership around under various different sister companies? Also, if the debt is statue barred then isn't illegal to pass the debt onto another DCA (regardless of whether the DCA is the same company trading under a different name)?
What should I do? Send them the CCA request or just send the statue barred letter? What are my rights if they persist in sending me letters?
(I'm concerned that my other half will accidentally open my post and see the letters from creditors - she knows nothing of my previous credit history and I want it to stay like that until all my debts are cleared and my credit file is clean!)
As always, thanks in advance
I've recently been receiving letters for Cabot over an alleged debt with a card company called 'Monument'. I have some very vague recollection of this debt but it's going back a considerable amount of time -we're talking at least 10 years. It's not listed on my credit file so I fell quite safe in assuming it's statute barred.
I replied to a letter from Cabot dated 17th Jan with a the 'prove it' letter from this site. About a week later I received a letter from 'FIRE' - Financial Investigations and Recoveries Europe' (who incidentally are based in the same town as Cabot with a slightly different PO Box). The letter stated that the debt was now being handled by themselves. I replied with the 'prove it' letter again. Shortly after I received yet another letter from Cabot asking for payment.
Is this a tactic on Cabot's part? - to bounce the ownership around under various different sister companies? Also, if the debt is statue barred then isn't illegal to pass the debt onto another DCA (regardless of whether the DCA is the same company trading under a different name)?
What should I do? Send them the CCA request or just send the statue barred letter? What are my rights if they persist in sending me letters?
(I'm concerned that my other half will accidentally open my post and see the letters from creditors - she knows nothing of my previous credit history and I want it to stay like that until all my debts are cleared and my credit file is clean!)
As always, thanks in advance
or send them this and tell them to do one-------> 
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