Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder steve806 Novitiate



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    Default unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    Hi All

    received a lettericon from Mortimer Clarke today regarding a debt to Cabot Financial.

    Letter claims their client obtained a judgement against me on 04/02/2016.

    First paragraph says "Because you have failed to pay the judgement debt in accordance with the terms of the judgement our client is now entitled to take action to enforce the judgement order against you. Our client has instructed us to apply to the county courticon for an Attachment to Earnings order to be made against you."

    Final paragraph says "If you do not contact us within 7 days , then our client has instructed us to apply for an Attachment of Earnings Order against you."

    Notes:

    1. I have checked Trust Online for my current and previous 3 addresses and there are no ccjs registered against me.

    2. I did not receive any correspondence threatening to take me to court, advising I was being taken to court or asking if I wished to defend and finally I did not receive a judgement.

    3. The letter makes no mention which court they obtained the judgement from or any judgement reference number.

    4. The debt is from 2007 and I believe it may well be statute barredicon now.

    Can anyone provide any thoughts or advice on how I should proceed at this point?

    kind regards


  2. #2
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    have you the CCJ number
    it will be an alpha numeric code

    dx

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  3. #3
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    The only number stated on the letter is:

    Claim No: [removed]


  4. #4
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    that'll be it.

    give northants bulkicon a ring in the morning
    ask for a copy of the claimformicon and the CCJ by email PDFicon

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  5. #5
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    Wonder if it was a judgement by default because it was sent to an old address... Suddenly they have found your new address?


  6. #6
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    Will do, so do this mean they do have a ccj? and can I fight this in any way as I was not in any way notified of the claim or the judgement?

    I moved address in April 2016 after judgement date and have had mail forwarding since moving


  7. #7
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    Quote Originally Posted by steve806 View Post
    I moved address in April 2016 after judgement date and have had mail forwarding since moving
    I believe the court forms are do not redirect? OR maybe im mistaken here....


  8. #8
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    yes you can fight it esp if its statute barredicon
    very easy to do
    and you should get your fee back too if you are clever.

    lets see get the info 1st.

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  9. #9
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    I have now received data from Nottingham.

    Particulars of claim state:

    By an agreement between Welcome Finance and the defendant on or around 30/11/2006. (the Agreement) Welcome Finance agreed to lend the defendant monies.

    The defendant did not pay the installments as they fell due and the agreement was terminated. The Agreement was assigned to the claimant. The claimant therefore claims the sum of.....

    Claim was issued 11 January 2016.

    Judgement states:

    You have not replied to the claim formicon. It is therefore ordered that you will pay the claimant £..... plus interest to judgement date in installments of £50 a month.
    Judgement is dated 4th February 2016.

    The claim and judgement where sent to an address I left in January 2009. Amazingly they now seem to know my current address.

    Any advice on how to proceed from this point greatly welcomed.


  10. #10
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    As i thought, claim issues to old address and suddenly they've found your new address.
    When was the last payment made to this Welcome Account? Important in case this is Stat Barred

    This must be LOADED TO THE TEETH with charges you could reclaim?


  11. #11
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    what's cabot doing with a welcome finance debt?
    don't think they bought any of those in any portfolios ...

    last payment date please

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  12. #12
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    Last payment was February or March 2011.

    Charges on debt are:

    £207 in costs and approx £600 interest. Interestingly, claim has 2 tables showing costs. One states Total Costs £207 and the other states costs £105 court fee and £80 solicitor fee. If the breakdown of costs is intended to equal total cost it is £27 short. Fees and interest represent 35% of total judgement


  13. #13
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    so wasn't statute barredicon then.

    the stuff FK is going on about is from welcome

    every welcome finance loan/debt will be 90% insurances and letter and default fess etc
    car loan?

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  14. #14
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    not car loan, cash


  15. #15
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    you mean a shopacheck doorstep loan
    that would make sense

    dx

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  16. #16
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    Further research reveals that I was making payments as part of a CCCS plan. I stopped paying this plan in February 2011 (made redundanticon, marriageicon collapse - life pretty much fell apart).

    Strange thing is first payment to plan was in July 2006 which is 4 months before the court claim states I took out the agreement with Welcome.

    Any advice on what to do?


  17. #17
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    was the a doorstep loan or you said cash, do you mean just a std welcome loan for a few grand to prop you up
    then you fell on hard times hence CCCS time..

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  18. #18
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    standard welcome loan


  19. #19
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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    ok strange they don't usually get them.

    have you had an N56 form from the court yet.
    or is this just a willy waving letter by cabot?

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  20. #20
    Basic Account Holder steve806 Novitiate



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    Default Re: unknown cabot/Mortimer CCJ - old WElcome debt - now AEO letter

    Had a letter from Mortimer Clarke... dont reply 7 days, request AOE etc.

    No N56



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