Ruthbridge / Cabot

A question about : Ruthbridge / Cabot

I get a letter through the door last week about a potential old CC debt.

Purchased my first house last year, held another CC since xx ish which is an has been in good order.

I had experian up until last year, nothing bad at all.

Cabot and Ruthbridge letter in same envelope, Cabot saying I'd failed to agree a repayment plan (news to me) and had passed to Ruthbridge . And then Ruthbridge saying they'd be in touch.

I'm certain it must be Statute Barred, but find that hard to believe given I've got a CC and a mortgage.

Advice on how to handle greatly appreciated.

Best answers:

• How many years would it be since you last paid or acknowledge the debt in writing if you did owe it then?
  If definitely over 6 years with some leeway, then you could send ---> https://forums.moneysavingexpert.com/...57&postcount=5
  If you are not 100% sure then may be worth waiting until you are and/or doing some digging before replying.
  Also contact NDL to ask their opinion. Freephone 0808 808 4000
• Checked my credit report at all 3 agencies using a multi agency checker (checks for CCJ's too apparently)
  There's nothing visible to alarm, no defaults, no enquiries, no CCJ's.
  Any other inputs before I send a prove it letter?
• Send the letter here https://forums.moneysavingexpert.com/....php?t=2607247
• Funny old world.
  Today Ruthbridge send a letter offering me an amazing 80% discount.
  Kind of them to offer such a discount. I considered their kind offer for half a nanosecond, bearing in mind they have provided no proof of it, or that it's even my debt.
  I can see how some people worry themselves sick about these scumbags.
  All these letters are being sent from a PO Box in Huddersfield.
  Think its been linked to Fairfax, Westcott, Drysden and others.
  PO Box 189
  HD8 1DY