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jasmineuk

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  1. I'm almost sure that I was sent a Notice saying that this debt had been transferred and that Mortimer Clark were now dealing with it and told me to pay them and not Optima legal. so - bottom line, do I have to pay or not? I'm a pensioner and so an attachment of earnings order doesn't frighten me.... The restriction on my deeds says that notice has to be sent to ........ etc. not that it is a secured charge
  2. I'm almost sure that I was sent a Notice saying that this debt had been transferred and that Mortimer Clark were now dealing with it and told me to pay them and not Optima legal. so - bottom line, do I have to pay or not? I'm a pensioner and so an attachment of earnings order doesn't frighten me.... The restriction on my deeds says that notice has to be sent to ........ etc. not that it is a secured charge
  3. Help! Today I got the attached letter from Mortimer Clarke. I was under the impression that Mortimer Clarke couldn't enforce the judgment? Is this correct - that they can take me to Court to enforce the judgment? IMG_20210203_0001.pdf
  4. So Mortimer Clarke can't enforce the CCJ or Charging Order? They're asking me to complete a financial questionnaire!
  5. copy letter attached SodaPDF-merged-Merging Result (2) (1).pdf
  6. should I start to pay MBNA £20 a month? What will happen if I don't? I understood that if the original credit agreement was produced and signed by me, that I had to pay? Sorry to sound so vague - I should be used to all this by now.....
  7. @Andyorch No, only one court appearance. That was when I was ordered to pay £20 a month. @dx100uk yes, that's the one
  8. I defaulted because I couldn't pay. The original debt was for an MBNA credit card. I had to go to Court a few years ago and Optima Legal said I had to pay £20 a month. Then the debt was changed to Mortimer Clarke recently I stopped paying the £20 a month to Optima.
  9. Can anyone help? I've just got a letter from Mortimer Clarke, chasing a debt originally payable to MBNA in 2003. I asked for a copy of the credit agreement and told them not to write to me again until they have it. MBNA originally said they didn't have a copy. Solicitors for MBNA said when I defaulted that they couldn't locate a copy of the original credit agreement which I signed. The copy which Mortimer Clarke has sent me is just a signature page, which shows my name and address, account number, the amount of the debt (which they say is £11,313.14), my signature and hand written date. The copy "agreement" is only just legible. They have also sent me an income and expenditure sheet. I'm 71 and retired. Given that the agreement is dated 2003, I defaulted in 2008 and it's now almost 2021, is this not statue barred? I have been making regular monthly payments of £20 since I went to court in 2010 but cancelled it recently when I heard that my debt had been transferred to Mortimer Clarke. I don't know how I can repay this debt and I'm sick with worry.
  10. Thanks for that! I've managed to block their numbers on my land line and my mobile but if that doesn't stop them, I'll do as you suggested. Thanks again guys!
  11. I have no idea! Is there anything I can do to stop them and can they do anything serious?
  12. I hope I am posting this in the right place. I had a DMP which I cancelled after advice on here (thanks guys). Three debts, all with Yorkshire Bank. Cabot says that they now own all the accounts. I wrote to Cabot with a CCA request and they wrote back saying that they didn't have it but they would try to get it from the OC. Much later, they wrote to me again saying that as they couldn't provide the information I requested, that the debt was unenforceable but they would appreciate my payment as I still owe the money. Since then, I am being contacted several times a week by Cabot and so I wrote to Cabot twice, asking that they contact me by letter only as I do not have the facility to record phone calls. They are still contacting me by phone and letter. The letter offers me a payment plan. They have still not sent me the information I asked for. Is there anything I can do to stop them contacting me? And the debt is still unenforceable, right? Many Thanks
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