Start of my unenforceabilty journey

[Sparkles]

It becomes statute barred simply by not acknowledging it for the appropriate time period.

I agree with Still Waving - just keep quiet unless they send an LBA.

[Still Waving]

I believe the last time I acknowledged these debts was 6.5 years ago. Do I need to do anything to get statute barred or is it best just to leave it?

That's a blanket question, but each account has individual circumstances. The date when each account was defaulted is also important.

At "believed" 6.5 years, I would do nothing. Statute Barred is Statute Barred, you don't need to do anything (eg serve a notice) to achieve it. At this stage, I think just leave it.

[unicorndeva]

I believe the last time I acknowledged these debts was 6.5 years ago. Do I need to do anything to get statute barred or is it best just to leave it?

[Still Waving]

26/03/22 - This account is now back with Cabot who are constantly messaging me now - it's getting annoying! Can I remind them that they haven't supplied a cca or just put up with it?

Don't remind them. If you can block their messages, do so, otherwise ignore.

[Roger]

Originally posted by unicorndeva View Post
Had a letter from Barclaycard (unsure of which account atm as we had several) saying I've been refunded £180.45 due to their unfair practices. They say they are paying this directly to PRA group. This won't go against me with statute-barred, will it? I'm not acknowledging the debt, Barclaycard are.

Only just over a year to go to Statute-barred (yay). I'm guessing the creditors will ramp up their efforts now?

Hiya,
you are not making the payment so can't say you acknowledge the debt.
just keep the letter safe as proof.

Yes you may get a flurry of letters/ calls, just keep ignoring them.
nearly at the finish line.

NW

This isn't PRA money either!
BUT they now know that BARCLAYCARD have admitted their processes and figures were WRONG!
So the Letter is a TREASURE!

[nightwatch]

Had a letter from Barclaycard (unsure of which account atm as we had several) saying I've been refunded £180.45 due to their unfair practices. They say they are paying this directly to PRA group. This won't go against me with statute-barred, will it? I'm not acknowledging the debt, Barclaycard are.

Only just over a year to go to Statute-barred (yay). I'm guessing the creditors will ramp up their efforts now?

Hiya,
you are not making the payment so can't say you acknowledge the debt.
just keep the letter safe as proof.

Yes you may get a flurry of letters/ calls, just keep ignoring them.
nearly at the finish line.

NW

[unicorndeva]

Had a letter from Barclaycard (unsure of which account atm as we had several) saying I've been refunded £180.45 due to their unfair practices. They say they are paying this directly to PRA group. This won't go against me with statute-barred, will it? I'm not acknowledging the debt, Barclaycard are.

Only just over a year to go to Statute-barred (yay). I'm guessing the creditors will ramp up their efforts now?

[unicorndeva]

Owned by RBS Mint, managed by Wescot
Credit card
Unsure of start date 2006?
£2200
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).


23/8/2018 - Chasing letter from Resolvecall on behalf of Cabot

6/9/2018 - Doorstep visit from Resolvecall

7/9/2018 - CCA request sent to Cabot along with a letter (from templates) disallowing Cabot or their representatives to visit my home without an appointment.
27/03/2021 - Still receiving chasing letters from Cabot despite the fact that they have'nt provided a copy of the original agreement. Do I request agreement again? Just worried they will turn up on my doorstep again.

21/05/2021 - Received a letter from Resolvecall who are working on behalf of Cabot chasing this debt. Do I need to do anything or just file away?

23/05/2021 - Sent the Harassment and Threat of Doorstep visit letter

8/6/2021 - Resolvecall phoned my mobile in the morning. An automated message asking me to press 1 if I was me and 2 if I wasn't. I just hung up. In the afternoon, I received a text message asking me to call them... I'm ignoring it!

9/6/2021 - Another recorded message phone call from Resolvecall plus a letter from them too.

10/6/2021 - Yet another text message from Resolvecall. I think they've been phoning me too but I haven't been picking up.

26/03/22 - This account is now back with Cabot who are constantly messaging me now - it's getting annoying! Can I remind them that they haven't supplied a cca or just put up with it?

[Still Waving]

It just tells me what the outstanding balance with Cabot is and to call Resolvecall if I want any further information.

You don't want any further information from Resolvecall, do you? File it.

[unicorndeva]

Owned by RBS Mint, managed by Wescot
Credit card
Unsure of start date 2006?
£2200
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).


23/8/2018 - Chasing letter from Resolvecall on behalf of Cabot

6/9/2018 - Doorstep visit from Resolvecall

7/9/2018 - CCA request sent to Cabot along with a letter (from templates) disallowing Cabot or their representatives to visit my home without an appointment.
27/03/2021 - Still receiving chasing letters from Cabot despite the fact that they have'nt provided a copy of the original agreement. Do I request agreement again? Just worried they will turn up on my doorstep again.

21/05/2021 - Received a letter from Resolvecall who are working on behalf of Cabot chasing this debt. Do I need to do anything or just file away?

23/05/2021 - Sent the Harassment and Threat of Doorstep visit letter

8/6/2021 - Resolvecall phoned my mobile in the morning. An automated message asking me to press 1 if I was me and 2 if I wasn't. I just hung up. In the afternoon, I received a text message asking me to call them... I'm ignoring it!

9/6/2021 - Another recorded message phone call from Resolvecall plus a letter from them too.

10/6/2021 - Yet another text message from Resolvecall. I think they've been phoning me too but I haven't been picking up.

[unicorndeva]

What does the letter say (just the gist, not word-for-word)?

Di

It just tells me what the outstanding balance with Cabot is and to call Resolvecall if I want any further information.

[PlanB]

23/05/2021 - Sent the Harassment and Threat of Doorstep visit letter

9/6/2021 - Another recorded message phone call from Resolvecall plus a letter from them too.

What does the letter say (just the gist, not word-for-word)?

Di

[unicorndeva]

Owned by RBS Mint, managed by Wescot
Credit card
Unsure of start date 2006?
£2200
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).


23/8/2018 - Chasing letter from Resolvecall on behalf of Cabot

6/9/2018 - Doorstep visit from Resolvecall

7/9/2018 - CCA request sent to Cabot along with a letter (from templates) disallowing Cabot or their representatives to visit my home without an appointment.
27/03/2021 - Still receiving chasing letters from Cabot despite the fact that they have'nt provided a copy of the original agreement. Do I request agreement again? Just worried they will turn up on my doorstep again.

21/05/2021 - Received a letter from Resolvecall who are working on behalf of Cabot chasing this debt. Do I need to do anything or just file away?

23/05/2021 - Sent the Harassment and Threat of Doorstep visit letter

8/6/2021 - Resolvecall phoned my mobile in the morning. An automated message asking me to press 1 if I was me and 2 if I wasn't. I just hung up. In the afternoon, I received a text message asking me to call them... I'm ignoring it!

9/6/2021 - Another recorded message phone call from Resolvecall plus a letter from them too.

[unicorndeva]

Are you able to block their number on your phone?

I will try

[Still Waving]

Are you able to block their number on your phone?