Help with CCA Request Response

[crmuser]

Hi,
I'm hoping for guidance on a credit card debt being chased by Cabot Financial.
Back in November 2015 Cabot wrote with a demand for payment on a balance owed to Capital One.
This was an account opened in 2005 and where the last payment or acknowledgment was September 2009.

I sent a CCA Request letter which they received on 1st December 2015.
I had no reply from them.

Then fast forward almost 20 months later to yesterday where they have sent a reconstituted Credit Agreement, Terms and Conditions, Varied Terms and Conditions, a printed page of the last transactions which indicate failure to pay charges from October 2009 onwards and a cover letter to saying they consider the agreement now enforceable and are entitled to obtain a CCJ against me.

My letter in December 2015 did not accept liability for the debt, nor have any been made post September 2009.
Please could someone help with a reply to Cabot?

Many thanks

[charitynjw]

Re: Help with CCA Request Response

Hi crmuser, welcome to LB

Does the transaction list show any payments after September 2009? If 'yes', when is the last one?

[crmuser]

Re: Help with CCA Request Response

Thanks charitynjw

Does the transaction list show any payments after September 2009? If 'yes', when is the last one?

No payments reached them since 27/09/2009. The print out does state a direct debit payment on 27/10/2009 and a payment reversal for the same amount on 28/10/2009

[charitynjw]

Re: Help with CCA Request Response

If you are quite certain, send them a statute barred letter.

[crmuser]

Re: Help with CCA Request Response

Thank you charitynjw
I'm 100% certain that the last payment made was September 2009
The wording on the letter that they are entitled to obtain a CCJ concerned me.