Hi all,

Not a TD question as such, so sorry if the wrong forum for this.

My bro-inlaw is trying to sell his flat, but it appears a company called Cabot are claiming he owes £5k.
There is nothing showing on his credit file for this debt.
The only thing he can think of is it could be a loan he defaulted on in the early 2000's - 2006 he thinks.
I asked him if that loan was secured on the flat and as it was so long ago he's not sure.
I would have expected the original loan company to have persued him for the debt if it was secured, rather than sell it years later to this Cabot.

Is this likely to be a secured loan and is it enforceable all these years later?

Thanks
J