Cabot/ Ruthbridge chasing 10+ Year old debt!!

[Guest]

Hi,
Apologies if this is not the correct place to post this , I have just received a letter through the post after many years at my new address from cabot (original lender Capital one) saying they have been unable to come to an agreement with me ( first im hearing this for a long time) and they have passed it on to ruthbridge limited and have included a letter from them asking me to call them the "outstanding amount is for £2301.79" they want me to telephone them to avoid any further action. it goes on to say that this debt will remain outstanding if ignores and we urge you to work with us to get the matter resolved as quickly as possible.
as far as i know there was a capital one debt in 2007 i was unable to resolve because of a serious illness among other things.and Cabot must have taken this over . interestingly i had saved some of my CRA files and manged to find a cabot/ debt for a the said amount and on it the default date is given as early 2009 ( i know i couldn't pay after 2007- definitely no payment or acknowledgement ) i have got free copies of all my credit reports today and they are all clear , these days i have only my bank account and no credit cards am i correct in thinking the time limitations have passed on this?( or is there any other way this might not be so?) , if so what would you knowledgeable people advise me on the course of action , i have tried to read some threads here since i got this letter but would really appreciate some well directed advice please.
further i guess i got this letter i guess because i moved , i stayed at my previous place for 5 years an never got a single letter so its very odd .

Thank you in advance

[MIKE770]

last payment date and or acknowledgement of aledged debt by you??? Statute Barred
Statute Barred Letter might come in handy later?? ifo 1st?

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last payment date and or acknowledgement of aledged debt by you??? Statute Barred
Statute Barred Letter might come in handy later?? ifo 1st?

Thanks for your reply , Im afraid i dont really remember the last payment date , but it was definitely in 2008 nothing after that no acknowledgement or any thing they did send a whole host of letters but have not heard anything for at lest for the past 5 years.

i have also looked at that old credit file again and it is in the name of cabot so they purchased the debt but the default date as on that record is 03/2009 , but looking at the history is a bit worrying as i can see a "DF" mark in 03/2009, then again in 05/2009 , then nothing until 04/2012 another "DF" then twice in 2013 ( 06 & 08) then lastly a"DF" in 08/2014 (less than 6 years) have they manipulated it so that it seems i have paid, i can confirm i definitely did not make any payment after 2007(maybe 2008) period i simply did not have any money at all nor did i make a written acknowledgment . going through threads elsewhere there is a lot of which says Cabot has produced mysterious payment to get CCJ's.

is that statue barred letter OK to send ? sorry for asking only asking as the CAB website states the following
"Writing to them could make it look like you’re agreeing you owe the money. This might reset the time limit - this means it will be another 6 years before the debt is statute barred."
also there is another interesting thread here from December that hasn't had many replies im afraid they will pull this stunt
apologies again for asking all these questions might seems a tad silly to others .
i hadn't registered when i first posted now i have

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