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Pipster2797

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  1. These are the little sneaky things I know that they do and use. The fact their solicitor has written to me at my current address (been here 3 and a half years) asking me to pay should be enough to say they have my new address. It proves they do have it. My point being that even if I send a recorded delivery letter to Marlin confirming my address, what’s to stop them lying saying they didn’t get it and they wrote to the last known address they had?
  2. Good question. I really don’t know who owns the debt now. No idea if it has been sold on to a new DCA and hence why they are trying their luck to scare me into paying something. My thoughts are the same as yours though and that I ignore it for now. I was just worried they would sneakily manage to enforce it somehow because in all honesty I do not trust the court to do what is right and follow the law and that they would side with the claimant
  3. I don’t think you understand, the property the charging order was on has already been sold. It was sold in 2018. As the loan was in my sole name and the property in a joint name with my ex partner the charging order was just a restriction. My conveyancing solicitor wrote to the contact that was on the charging order on the Land Registry record and advised them of the sale of the house and I was not intending to use any monies from the sale to pay off the loan. They never got a reply. The letter from Mortimer Clarke chasing the debt up, clearly shows they do not know the property has been sold and I believe it is just a fishing letter on the hope I pay something. Or if I ignore then for them to contact the court and try enforce it sneakily and I get a Bailiff at the door. I would rather try and nip this is in the bud and put it to bed. Back when I found myself in trouble with a number of debts, 2 of them ended up with CCJs and Charging Orders. This Northern Rock one and also a different one with a different lender HFC. Mortimer Clarke to the best of my memory have never been involved with the Northern Rock loan, until now. They were however involved with the HFC loan and charging order. After the property was sold in 2018 they contacted me saying I must use the funds to pay off the loan that was originally with HFC. As with the Northern Rock one, no payments had been paid to that one since pre 2012. So I left it. I do not know if they link their accounts together but Mortimer Clarke knew via the HFC loan that the property had been sold at the time back in 2018. I’ve since worked hard to get my life back together, in a steady job and have a new house with my partner and do not currently have any debts and have learnt from past lessons. I really do not want this to plaque me again. I went through a very bad time when this was all going on and it hugely contributed to a big decline in my health. As I said earlier my only worry is they sneakily try and enforce it through the court and I end up with a bailiff at the door. I know any respectable court would ask why they haven’t attempted to enforce the CCJ for over 10 years but I do not trust the court to do this and they just allow Mortimer Clarke to enforce it.
  4. Ok thank you so much for the help. my only worry with them is if I ignore them and do nothing is that they contact the court to try and enforce it.
  5. Sorry it was so long ago. I can remember paying something towards it and having an agreement to pay a set amount, it was around the time of my health declining and I couldn’t maintain the payment and yes they got the CCJ and also the CO. That was 2011 and no payments have been paid since 2012 at the very latest. At the time I just didn’t have the fight in me anymore. the link you posted above the very last page of it seems to amount the together unsecured. Not sure if I’ve got mixed up with it when posting back then. like I said originally yesterday I have heard nothing since 2012, the property with the CO was sold in 2018 and they were written to explaining the property was being sold. I have an email from my conveyancing solicitor to confirm this. It also explained that I was not intending to pay off the amount with the proceeds of the sale. So the restriction was meant as they were informed. My gut is telling me it is nothing more than a fishing letter on a dormant account and they are trying their luck to see what they can get or if I will respond.
  6. Hi The thread you merged is from a together mortgage. This isn’t the loan I was posting about. Around 2003-2007 stupidly got myself in a mess. I wasn’t in a great place and due to an ex I took out loans etc in my name and then after the crash of 2008 I was made redundant and tried to pay loans and credits cards off with DMP for a while until the point I couldn’t cope and my health took a really bad turn. The one I was posting about I don’t think I got advice from at the time back in 2011. I have managed to turn things round until these letters from Mortimer Clarke started turning up. The letters I have been getting from Mortimer Clarke are for a different standard loan that they got a CCJ for and then a charging order. The thread you merged was for an old together mortgage I had with Northern Rock that was redeemed back in April 2003. The unsecured part of that mortgage was never redeemed and I had asked for the CCA because the interest rates on the loan at the time were a lot higher than I thought it was meant to be but when I got a copy of the CCA it was totally unreadable. it’s not the easiest of situations to understand and it was of course such a long time ago.
  7. was originally with N Rock for an unsecured loan. It originally had PPI on it, which I claimed back I was in a bad place and had a lot of debt at the time but tried to deal with this particular case on my own with information I had gathered from my other cases. I didn’t start a thread for this case. Like I say, I was in a bad way back then. At the time I also had a 2nd unsecured loan from an old together mortgage but this particular loan they got the CCJ for wasn’t part of the together mortgage, it was separate. the northern rock loan that they got the CCJ on and the one I am getting the letter for now was originally stated as I did a Tomlin Order and when my health got bad I couldn’t maintain it and they got a summary judgement on me and also a charging order on the house. When the property in question was sold the restriction in place, the solicitor sent letters to each of the company’s that had the charge on the land registry but they never replied. I have emails from the solicitors confirming this back in 2018. I must have made some payments to them but at the VERY VERY VERY LATEST the last payment would of been in 2012. So nothing has been paid since and I haven’t heard anything from anyone until now about this case.
  8. Hi Been a long while since I have been on here and thought this was all behind me but this case has reared up again. Just to give a summary: - Creditor got a CCJ some time in 2011 - Creditor got a Charging Order a few weeks after the CCJ back in 2011. - Property was a joint mortgage with an ex partner. - Debt for CCJ was in my sole name - Property was sold in Autumn 2018 - Charging Order wasn't paid with the sale proceeds as the charging order was a Standard Form K Restriction and the only requirement was for the buyer to inform them of the sale of the house. Now in September 2022 I have heard from the solictors telling the debt still needs to be repaid. I ignored at first as to thought they were just trying their luck but had another letter from them and still think they are just trying to drum up business and trying to scare me into paying, which won't be happening. I've attached the latest letter from them. In it it states that a CCJ was obatined (It was in 2011) , it also states that a CCJ has been secured against my property by way of a charging order (it was but on an old property that has now been sold). My thoughts are that it is just scare tactics to trick me into thinking that the CO is on my current property but I know it isn't. My initial thoughts would be to send a Stature Barred letter to do them but I know techincally the CCJ wouldn't be SB but not much chance of a court allowing them to collect on a CCJ that is over 11 years old. I thought I would post this up to ask for anyones advice or to help someone else in the future that might search for something similar. Thanks Page 1.pdf
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