Hi all looking for some advice on Cabot Financial. I had a Halifax CC debt that was sold on when they moved out of Ireland (years ago) was paying debt until 2017 and had roughly 3600 left. I lost my job and that coincided with having to move and I didn’t change my address. The debt was then sold from Bluestone to Cabot in that time. Cabot called me and I asked them to send me all details they had on me and we would talk about payment arrangement once I started new job. I never received any letters or calls after that phone call... the other day out of the blue I had a missed call from there legal department (Belgard) Roll on a year later and things are in a better place. I’m hoping to buy a house and got my ICB (all clear) I’ve requested my CCB also and am waiting on that. My worry is that this debt is going to show on the CCB and wreck my chances of getting a mortgage. I am in a position where I can pay them (or at least a settlement) but is that too little too late if they are on my record? They don’t have my new address only my old one but would have my name and DOB is that enough to add me to the register? Also could I pay with a bank draft instead of a transfer as I don’t want the transaction to show when going for a mortgage. The other thing I’m wondering is if they are not on my CCB should I wait until I’ve gotten a mortgage before engaging with them? I’m waking up in cold sweats thinking there’s court judgements out for me! I know I’ve been silly here thinking this would ‘go away’ But I genuinely have changed my ways in terms of spending/borrowing and I do want to close it off and move on with the hope I haven’t messed up my chances of getting a mortgage for my family. Thanks for reading!