Worrying letters and phone calls from Tempus / Cabbot

A question about : Worrying letters and phone calls from Tempus / Cabbot

Hi All,

A good few years ago I ran into problems and defaulted on a credit card, barclaycard. The original debt was about Ј2100

This was passed to Aktiv Capital and I was making repayments happily for 14 months. I miss one payment and they took the balance back to the starting point (i.e voided off all my payments) and then applied interest onto the initial amount.

This was some years ago. After some phone agro I asked for written confirmation of the debt and for hassling phone calls to stop along with all communication in the future to be done via written methods.

Nothing for a good long while until a few months ago that Aktiv Capital offered me an amazing deal on my now Ј6154.44 debt

The debt was then transferred to Tempus Solutions who are calling me 4 times a day. The number calling is cabbot collections.

Where I'm at now is that they have carried out investigations into your personal circumstances to determine the best course of action to recover this debt in full.

Quoted from the latest letter.

Quote:

The original debt is several years old. Can I contact Barclaycard with reference to this and see when they passed it over.

Whats not helping is that i moved several times and you guessed it, not all paperwork is to hand :-(

Best answers:

• When did you last pay anthing towards the debt?
  "After some phone agro I asked for written confirmation of the debt" When would this have been? would you still have a copy of the letter?
  Could the debt be statute barred? Statute barred is when you have made no payments for 6years and not acknowledged the debt in writing and if they have't taken court action (Its 5years if you are in scotland).
  If its not statute barred, or very close to becoming SB then regarding tempus
  I would send a letter to ask them to stop calling and that all future communication is in writing - and at the same time send the letter to stop doorstop agents from calling.
  See these 2 templates - https://forums.moneysavingexpert.com/...9&postcount=60
  and https://forums.moneysavingexpert.com/...85&postcount=4
• It appears that I confused myself untill I looked at the 2 debts closely.
  It seems that I have 2
  1 is for the 2k amount and the other for 6.
  The 6k bill is out of the blue but I remember some problems with it ages ago.
  Basically CitiCard tried to enforce charges on me which i disputed. I wrote to them and I got back a letter, no header, signature, just a letter printed out that they have applied charges to my account.
  In MY letters to them I said to only contact me via written request. I heard nothing until I got letters from Tempus.
  This was a couple of years ago so I don't think I can use the statue barred letter?
  Ast his was a few years ago (approx 2007) Im not sure if I have the letter.
  What's the best way to proceed on this one please?
• A paid for credit check and get your facts straight about times.
• Any suggestions on a budget way to get a credit check?
  I've had one many years ago in the past so I can't jump on and get a free one.
• I used annualcreditreport.co.uk and found it to be very good. Fiver one off charge, fiver a year after that for the premium features.
• When did you first take out these cards?
  When were they last paid or acknowledged?
  Your above posts are very confusing on those points.
• https://www.annualcreditreport.co.uk
  Quote:
• Ј2 Statutory reports from experian and equifax.
  They will not sell on your information (though just to be clear if you request your credit files it will be possible for creditors/debt collectors you owe money to to see your file and see any new address you have added etc).
• Ok I found some information... woo hoo
  The debt with Citicard for approx 2k
  Account issued 27th September 2007
  Last Payment made 28th September 2009