Hello everybody!

[minia70]

Hello,
On 5th Dec 2012 I've received two letters: one from Cabot Financial and another from Ruthbridge Understanding Resolution about outstanding balance £2625.00 for course Sage Line 50 that I've never maid with company Career Development Finance Limited. That company informed Cabot Financial that I opened the account on 13 Jul 2006 and did not default until 20 Feb 2007 and last payment of £75.00 was paid to the account on 21 Aug 2006.
The problem is that the course advisor met me in 2006, left booklet, plastic paper clip and I've signed some documents, but few days later, before I started any course I'd found that the standing order had been made without my permission, so I'd contact the Barclays Bank and Career Development Finance Ltd., known to me as Skills Train regarding that. I informed CDF Ltd. that I didn't want to do any course with them. Now after so many years they want something from me for nothing.
That's not all. I've contact Ruthbridge Understanding Resolution and explained everything, so they closed the case - that's what they told me. Today I've received another letter from Cabot that Ruthbridge has returned my account to them that I do not recall it. I've contact Cabot and they told me that case is still open, I've contact Ruthbridge and they said that for them the case is closed, and they do nothave any information about it.
Please help,
Minia70

[FlamingParrot]

Re: Hello everybody!

Hello,
On 5th Dec 2012 I've received two letters: one from Cabot Financial and another from Ruthbridge Understanding Resolution about outstanding balance £2625.00 for course Sage Line 50 that I've never maid with company Career Development Finance Limited. That company informed Cabot Financial that I opened the account on 13 Jul 2006 and did not default until 20 Feb 2007 and last payment of £75.00 was paid to the account on 21 Aug 2006.
The problem is that the course advisor met me in 2006, left booklet, plastic paper clip and I've signed some documents, but few days later, before I started any course I'd found that the standing order had been made without my permission, so I'd contact the Barclays Bank and Career Development Finance Ltd., known to me as Skills Train regarding that. I informed CDF Ltd. that I didn't want to do any course with them. Now after so many years they want something from me for nothing.
That's not all. I've contact Ruthbridge Understanding Resolution and explained everything, so they closed the case - that's what they told me. Today I've received another letter from Cabot that Ruthbridge has returned my account to them that I do not recall it. I've contact Cabot and they told me that case is still open, I've contact Ruthbridge and they said that for them the case is closed, and they do nothave any information about it.
Please help,
Minia70

If the last payment was made in August 2006 then any debt you may have had would be Statute Barred by now. Debts become SBd 6 years after the last payment or written acknowledgment (5 in Scotland).

[Inca]

Re: Hello everybody!

Do not contact debt collectors by phone,at all,never.

[FlamingParrot]

Re: Hello everybody!

As noted above, every communication should be in writing, never over the phone. You may want to send them a letter along these lines to make them aware of the fact the alleged debt is SBd:

I do not acknowledge any debt to you or any other company or organisation that you claim to be representing.

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

I would point out that under the Limitation Act 1980 Section 5:

"an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued".

I would point out that in their Debt Collection Guidance, the OFT regard the following unfair or improper business practice for a creditor to:

• pursue the debt under circumstances in which the debtor has heard nothing from a creditor during the relevant limitation period.
• continue to press a debtor for payment after he has stated that he will not be paying a debt because it is statute barred.

The last acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time.

Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed.

I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed.

I look forward to your reply.

Yours faithfully

[alham]

Re: Hello everybody!

Correct me if I am wrong: as far as you are concerned you did not enter into a contract, so any alleged "account" and payments are fictitious. What is the point of discussing statue barring etc... as this will only confirm that there was a contract and you are trying to avoid your debt? As there is no contact, there is no account and no debt.

[minia70]

Re: Hello everybody!

Unfortunately I've already called them today, but only to tell them that I'm not going to pay any money for the course I haven't even started, and for loan If I haven't received any single penny from the Career Development Finance Limited or bank (I have no idea which one???). Now I know what I need to do, if it's not enough I'm going to contact solicitor. Many thanks for your advice, I will send the letter anyway))