Cabot Debt

[Backerboy39]

Hi all, newbie here looking for some advice. I received 13 letters from Cabot from 2-17 January asking me to contact them to start a payment plan for a debt of £2k for an old MBNA credit card, which I dispute. I called Cabot to complain about the letters and raise a complaint refusing to make any payments until they could prove I owed the debt. The alleged debt is not on my credit file so I sent a CCA request to them. They have responded stating they can't provide the information request and the debt is now unenforceable however, I should still contact them to make payment as the debt is still outstanding. I have also received a letter from them saying they agree with my complaint and have offered me £100 for the distress caused and can I ring them and provide them with my account details so they can arrange a refund.

My questions are................If the debt is unenforceable, should I still have to pay? Also I am concerned they want me to contact them with my bank details so they can transfer the compensation they are offering. I feel like this is a set up to get my bank details or start the clocking ticking on the debt.

Sorry for the long post but any help and advice would be much appreciated.

[echat11]

Hi Backerboy

Welcome to LB

Ask them to send you a cheque for the compensation amount.

The debt is 'unenforceable' until they can provide the requested documentation.
They can't take the matter through the Courts as they can't provide the requested documentation.

It doesn't stop them trying to collect the debt, but ultimately it's a waste of their time, that's why they send multiple repetitive letters. It's cheap and they think they can keep doing it, but it's Harassment.