Thank you for your reply. Please accept my lack of understanding, I thought they had 14 days to respond to the documents requested on PAP.

An update on post - I received a reply from Mortimer Clark Solictors wrt PAP to the Halifax Credit Card on a letter dated 20 Jan 23, received on 25 Jan. I am unsure if the 12 + 2 days to respond are working days (ie Mon - Fri) ? The only info they included was a letter from Cabot stating referring my account to MC Solictiors, and my account was put on hold until they get a copy of the original credit card agreement. Can I ask how long to they now have to provide the agreement and the NOA? In addition, as in my original post - MCS also sent a separate PAP for a Halifax overdraft with the same dates. I responded to both PAP on 5 Jan 23 and I have no response to the Halifax overdraft. As the 12 + 2 days have now passed.... Can anyone advise what the next steps are pls? Many thanks in advance. R

Following on from my post - I received a second LBC from Mortimer Clarke Solicitors dated 16 Jan and received on 19 Jan 23. As previously posted MCS sent a LBC in Dec 21 and I responded within the timescale and received NOA (uploaded above) assignment, five statements and the default notice, and a statement of account. No CCA or terms and conditions. As they didn't comply fully to a section 78 request within the 12 + 2 days statutory period - (took them 11 months to send info). Do I need to reply to the second LBC? Many thanks in advance. Roo

Ok thank you D, greatly appreciated Roo x

Thank you for your reply. I will request again … ? As I put in the thread it took 11 months to receive what they did send after LBC.

Apologies July 2017

July 17

D, All I got was the NOA assignment, five statements and the default notice, and a statement of account. 2006 I think orginally Citibank if I recall. I did request the agreement however; nothing in what they sent. R x

I did that following the PAP on the site. So thirty days has well passed?

D I requested the agreement it was not supplied, and enclosed £1 postal order, which they deducted off the alleged balance. Requested 6 Jan 22 and received what I uploaded on 29 Dec 22.

20230105 - Notice of Assignment (1).pdf

Ok will do. Can a take a photo and upload as I do not have a scanner

Hi Andy Thank you for your speedy response. Since my last post and sorting out paperwork, I did receive a LBC for this account. My letter was the response to that correspondence. I requested a copy of the CCA and the DOA - there is no copy of the CCA enclosed and the DOA is just a letter? Am I right in assuming it needs two signatures? In addition, they only provided 5 months of statements? Unsure if I am barking up the wrong tree? I thought they have a timescale of 30 days to reply? Grateful for any advice. Given the short time scale should I reply by email or post (1st class signed for? Mindful back log of Royal Mail) Their letter was dated 29 Jan 22, received 3 Jan 23. Unsure when to count the ten days from - given they 'may' follow given up statue bared Aug 23?

Good Afternoon I have received a letter from Mortimer Clarke Solicitors acting on behalf of Cabot Financial for an alleged Opus Credit Card debt. I sent a CCA request (as on the forum) on 6 Jan 22, and the documents arrived (incomplete) on 29/12/22 - date of letter 14/12/22 nearly 11 months later.... apologizing for the delay!!!!. I am right in thinking they have 30 days to respond? I received an additional letter dated 29/12/22 arriving on 3 Jan 23, stating I had not responded to their request for income and expenditure... and I have 10 days to respond and they will refer to their client for further instructions .. The last payment to the account was made to the account in July 17, with no further payments made. I am unsure if I received a letter before claim... apologises as I have other accounts however; I note they deducted the £1 postal order I enclosed for the CCA request towards the alleged debt.. which I understand should not happen. I have two other accounts been chased by Mortimer Clarke Solicitors, with Halifax of which I have received a LBC now which I am receiving assistance with which I am grateful thank you. All of the accounts receiving last payment in July 17. I have not moved house since this date. Grateful for any advice how I respond to this letter, in absence of recalling if I received a LBC for this particular account. Many thanks in advance. Roo

With the regards to my post above - for the overdraft with Halifax, I do not recall signing a contract? Unsure if that makes a difference. Thank you.