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pilch23

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  1. Mortimer Clarke have written to me, threatening attachment of earnings against this old CCJ... CCJ secured in August 2007 for £5121 debt by claimant HFC Bank, payment originally to Restons and now to Mortimer Clarke for £5 per month. Registered to an address that I left 10 years ago and moved twice since. Paid every month without default. I stopped paying in January 2021
  2. Ok but previous advice was that as Mortimer Clarke are named claimant on the CCJ and it’s not being changed then I should ignore and not pay. Should I respond with a letter asking for full details and who the claimant is?
  3. Correct. Stopping paying in January 2021 following advice on here.
  4. So not named as claimant so ignore as unenforceable?
  5. Letter just refers to their ‘client’ but nothing on letter to say who. Claimant is just a number on the letter and doesn’t match anything on CCJ CCJ has the claimant clearly stated as HFC
  6. 2 separate CCJs. HFC one is the Mortimer Clarke has sent letter. Nothing on other.
  7. I have just received a letter from Mortimer Clarke saying their client obtained judgement on 23/08/2007 and as I have not made an arrangement to pay their wish to take action to enforce the judgement order by applying for an attachment of earnings order. I stopped paying in January 2021. Can they enforce? Do I ignore? Do I need to respond requesting anything?
  8. Yes correct dx100uk and thank you on your previous assistance. As you are aware drops off in 2022 so wanted to make sure I won’t be back doored again. Possibly one or two but won’t have been paid for 10 years plus. If I should write to inform, do I write to original debtor or DCA? If a DCA is already aware of new address due to another debt and can be proven is that sufficient?
  9. Hi Have some old debts (10 years plus), moved home 2 years ago and visible on electoral register but no longer get any threatening letters. To be honest, the debts moved around so many DCAs the majority were sorted but likely some stragglers. I don’t want a back door CCJ, should I write to all to advise new address?
  10. Paperwork was sent to an old address, I had moved twice since and not lived their for 6 years. Amount was set by court at I assume claimants request but not 100% as didn’t see original paperwork.
  11. Letters sent. Any options to reduce current back door CCJ? I have paid for 4 years so not in position of strength I’m guessing. It would help to get payment figure reduced though and more inline with other two.
  12. Can I advise change of address by email? So documented. Also can I simply advise this is my previous address and this is new with no reference to CCJ reference numbers?
  13. Should I advise them of new address? Is it possible to ask the courts to reduce the current CCJ on file payments inline with other ones not shown, as currently is significantly greater and would this not be a preferential debtor?
  14. Hi CCJ secured in August 2007 for £5121 debt by claimant HFC Bank, payment originally to Restons and now to Mortimer Clarke for £5 per month. Registered to an address that I left 10 years ago and moved twice since. Paid every month without default. CCJ secured in March 2008 for £8230 debt by claimant Cabot Financial (original lender HFC Goldfish Bank), payment to Cabot for £5 per month. Again registered to an old address. Paid again every month without default. Both no longer appear on my credit file, although I do have a backdoor CCJ which falls off my credit file in March 2022 and I am making payments with no default. I am now finally on top of my finances but not in a position to pay the really old CCJs off fully but at £60 per year in payment each they will be with me another 73 years and 125 years respectively! Aware I probably could of challenged but at the time was not in a place to. Should I simply stop paying, the CCJs that have fallen off credit file? Should I advise them of new address?
  15. Cabot have responded saying they may take 40 days to respond to CCA request......do I respond saying you have 12+2 days or do I have to give them this?
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