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Topic starter
20/11/2025 3:35 pm
Hi,
I never thought I'd end up on here again.....
I have been abroad for a few months and come back to 4 letters from Cabot Financial and elderly parents concerned that debt collectors have been repeatedly phoning them.
This is Cabot chasing up a debt that was written off when I completed my trust deed was successfully completed in 2013.
I phoned them up, and they say that the debt is still live on their system. God knows why this is suddenly on their radar again after all this time.
I have no remaining records of my trust deed as I thought it was all over years ago, there is no record on the AiB website as it was that long ago, and I doubt my IP has maintained records for this long either.
How can I prove to these clowns that I don't owe them money?
BTW, life post TD is great, the single best decision I ever made!
20/11/2025 5:50 pm
Hi Amorphus,
This is absolutely shocking on their part.
Hopefully your IP has kept records but I don't know what the rules are on this.
Even if they haven't, there's a statute of limitations on debt recovery. If they haven't done anything since 2013, then I would simply tell them they were out of time in 2018.
Good luck with it.
Topic starter
27/11/2025 5:13 am
Just an update on this
I contacted Cabot several times and got through to their complaints department.
My preferred method of contact is email, but all these companies love their phone calls, so phone it was. (note, always record phone calls when dealing with any of these companies, just inform them you are doing it)
Despite trying to be calm, and having a script ready, to my shame I did lose the rag slightly.
I pointed out to them that they know I had completed a trust deed 12 years ago, they said they had no record of this - I told them buls**t, I have a copy of an email to them about it from 2013. I know these companies keep precise records of all corespondance.
I asked if they thought I owed them £xxxx, why no contact for 12 years? Some mumbo jumbo about ensuring all IVA's were up to date.
I asked them why they thought it was appropriate to attempt to contact me 5 times within a month for a debt that doesn't exist?
Reponse as above
I asked them if they were aware that debts are statute barred in Scotland after 5 years ? They siad they are still entitled to chase them regardless.
I called them out on going on 'a fishing expedition' and accused them of being unethical (my shameful losing the rag moment!!)
They say they have now closed my account and the matter is settled.
On a side note, sad to see this forum is so quiet - it really helped me through some dark times in my life.
This post was modified 1 month ago by amorphous
27/11/2025 8:25 am
Hi Amorphous,
Glad you got this sorted. Useful to hear how you gone about it and the results, so others in the same situation can take note.
Agree, we'd love the forum to be busier. But it's just a handful of people answering in their spare time, and much reduced traffic to the site from days gone by. We're still here though, and hopefully able to help people when they come looking. Please do keep stopping by in case you're able to contribute further too.
