Advice please

I have received this letter, see pics, its a debt with marbles credit card which was then sold to cabot this year,

now i have got this letter from Mortimer Clarke regarding potential court action if i do not respond in 30 days.

( i also have an aqua credit card and aqua loan which i have also not paid off they are sending me letters as well but not go to this stage yet and they are the same company as Marbles so i guess will be doing the same thing next.

I cant afford to pay this and have been struggling.

Long story short,

my ex used to take my money and use my cards to gamble and pay for a drug habit i didn't know about

i was subject to mental torture for an extended period of time,

if i didnt let him do this he would threaten to tell my job lies to get me sacked which made me feel sick as i love my job and i am good at it,

now he is finally out of my life i have a shed load of debts that will be chasing me like this one.

What is the best thing for me to do.

Thanks in advance.

can you pop all those into ONE multipage PDF please

so we wont be here all day rotating and reading single files./

read upload

Massive apologies but i am unsure of how to do that sorry

second thought s

its a PAP letter we know what it looks like already

don't bother with the upload

in answer to what you need to do

follow post 4 here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

thankyou ill take a look

what is likely to happen when i have done in relation to the post 4? ive just taken a look?

very little I expect

I gather you ex forged forms etc etc?

dx

no. i had the cards already, he just became very controlling etc and it took a long time to get my life back with him not in it and get control back on everything, now with a whole heap of debt in tow.

when do you think you stopped paying?

Towards the end of last year beg autumn time roughly i think without digging out old paperwork

ok so nowhere near SB

when was it sold to them do you know?

or have you not seen any letters to date?

when was the card taken out please?

sold to them i believe around may this year, card was taken out a few years ago 3/4 years?

Ok well could get sticky

But i expect these debts are the least of your worries...

It's a pap letter but it's likely not compliant as it doesn't state what it is

Also even if they file a claim most times they don't bother after you file a defence leaving the claim to be stayed

Do you mean that it does not give the full details of my account debts with Marbles as Cabot dont have them?

When you say file a defence do you mean sending them the pap letter asking them for the full details of my account and debt?

Sorry i am a little new to this

do as post 4 please

Its an alleged pap letter but they disguise it as just another threatogram. The only reference to letter of claim is a small subheading on another page. They do this to try and say they complied with protocol and you ignored it.

no it was a pap letter and it had the relevant title.

twas in a scan in post 1 now removed

They must have updated it, when me and my partner got one, the only reference to it being one was a tiny title on 2nd or third page.

not sure why the pics have gone as i have not removed i shall try and re post them . Sorry

we don't need to see them unless you scan as a multipage PDF please

read upload

thread retitled and moved to the HFC forum.

Hiya, as i said i am not sure how to do that. I am still unsure what exactly to do as if i send this pap letter what is likely to happen next as once i send it i cant unsend it ifkwim. Sorry, but thanks for the advice it is greatly appreciated

read this thread

follow post 4 in that thread

cant see whats confusing about that.

100's have follow it without problems already

you must reply within 30days of that letter

else you run the risk of a claimform.

Hiya, and thanks for all the help and advice, apologies for not understanding previous replies.

Sorry it took a while to reply but had a death in the famly.

I am sending everything advised off tomorrow,

but can i ask,

on the other thread i was directed to it says at the end (post 4) to get a £1po and then send the PAP document to the solicitors (Mortimer Clarke)

However i have read on another thread on here that i should send the PAP document etc to CABOT and a letter confirming i have done this or something to this affect to the solicitors. Can you advise to confirm which place it should be sent to?

Thankyou again

read that post 4 properly...