AAM, correct me if I'm wrong: this debt (even if it did exist) dies after six years, right? http://www.irishstatutebook.ie/eli/1957/act/6/section/69/enacted/en/htmlHi I'm looking for a bit of advice about how to deal with Cabot. A little over 5 yrs ago I had a 20 Euro a month deal with a telecommunications company for internet....
Hi All
Got another letter from Cabot saying that they were giving me one last chance to pay and it would be in my best interest to contact them to discuss a reduced rate, they are also threatening me with an 8% interest rate p.a if I don't come to some deal with them. They also threaten court action along with judgement mortgage against any property I own (I don't own any property) also threats of sheriff calling to my property to seize goods, I'm just wondering is this all huff and puff to try and get me to submit to them and start paying up. I will of course be ignoring this letter and will keep on file, I also note that they are now saying on their letter that they are the original provider of the finance,
Any update Red? Have you a court date?I would love to know. I have checked most forums about them and only ever read of debts going to court in england. Never in Ireland. I'll tell you in a week if they follow throught with court I got my last four day warning last week for court action off them so if they will follow through with their threats I'll know next week
Haven't had so much as a letter since my last update. I'm hoping that will be the end of it but it's hard to know with this crowd but they definitely don't seem to follow through with their threats of court otherwise I would have got a summons awhile backAny update Red? Have you a court date?
The first two were from Cabot and the next ones were from belgard threatening court action. One was giving me something like 7 days to pay the full amount or court proceedings would be started against me and the next one was giving me 4 days both of them were from belgard. Again I didn't contact them and haven't heard anything since my last post update. This could change but so far I haven't gotten one letter after their letter listed out all the actions they would take against me.Red,are these letters with the threat of court action from Cabot,or their in house solicitors Belgard ?
Hi All,
I have a very similar experience with Cabot/Belgard as most of you. Lost my job back in 2009 and had a credit card with MBNA and let things get on the long finger, paid a lump sum off with help from family but fees and penalties kept mounting up and was left with a debt about 4k before Cabot got involved. To make a very long story short I engaged with Cabot and realized what a shower I was dealing with so investigated what my rights were... over eighteen months ago I requested CCA, full statements, and Deed of assignment for Debt from MBNA to Cabot. Initially they said they didn't have this info but after considerable correspondence and now the involvement of Belgard "Solicitors" I have today received a CCA from MBNA and some statements and a "Welcome" letter from Cabot as proof of the debt. Am I right in saying that they would need a deed of assignment to prove their right to collect the debt? What is the consequences for Cabot if they fail to provide CCA with the prescribed 10 days? Belgard are still threatening legal action despite the debt being legitimately disputed, is this something the Law Society have any interest in? Many thanks in advance
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