Tweet
Letter from DCA bought Old CCJ Debt
New here, but after a recent development I thought it best to seek advice ASAP. Some background first just to help you see how I got to where I am now, and why I'm seeking your assistance.
Back in 2011, I lost my job, family and accumulated lot of debt. Some credit cards and pay day loans totalling around 7000 pounds. At that time, I could not afford these and ignored. Having lost everything, I decided to move countries.
I moved to Italy and started working there. In 2014, out of curiosity I checked my credit report through noodle and found that all my credit card were defaulted and a CCJ of 5000 pounds for Zopa pay day loan was registered. I ignored everything.
In 2021 I decided to come back home (UK) and moved to a different address. I started my credit file from begining and started paying for bills and have a credit card. I check my credit file and found that all defaults are CCJ were removed.
After 6 months of moving back to the UK I started getting letters from DCAs about old debts on credit cards and one overdraft. I didn't reply to any of those nor did I send them the statue barred letter believing they can't take any action as the debt is too old. The letters continue to arrive.
However, few days back I received a letter from Cabot welcoming me to their platform and telling that they have bought the Zopa payday loan debt from them and that they have confirmed that I am living in this address. They advise me to contact them. This is the same debt on which CCJ was registered around 8 years ago.
I need your kind advise on what to do. Ignore them and wait for further action or contact them.
I'm at your mercy, and appreciate any advise.
Thanks in advance.
Back in 2011, I lost my job, family and accumulated lot of debt. Some credit cards and pay day loans totalling around 7000 pounds. At that time, I could not afford these and ignored. Having lost everything, I decided to move countries.
I moved to Italy and started working there. In 2014, out of curiosity I checked my credit report through noodle and found that all my credit card were defaulted and a CCJ of 5000 pounds for Zopa pay day loan was registered. I ignored everything.
In 2021 I decided to come back home (UK) and moved to a different address. I started my credit file from begining and started paying for bills and have a credit card. I check my credit file and found that all defaults are CCJ were removed.
After 6 months of moving back to the UK I started getting letters from DCAs about old debts on credit cards and one overdraft. I didn't reply to any of those nor did I send them the statue barred letter believing they can't take any action as the debt is too old. The letters continue to arrive.
However, few days back I received a letter from Cabot welcoming me to their platform and telling that they have bought the Zopa payday loan debt from them and that they have confirmed that I am living in this address. They advise me to contact them. This is the same debt on which CCJ was registered around 8 years ago.
I need your kind advise on what to do. Ignore them and wait for further action or contact them.
I'm at your mercy, and appreciate any advise.
Thanks in advance.
