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  1. Hello everybody I hope you can help me, today I received a letter from DLC regarding a very old debt from Black Horse Ltd (original loan was taken out through Chartered Trust way back in 2000/2001) with the amount owing of £1,886.59. The letter is as follows: Dear XXXX Your account County Court Claim Number XXXXXXXX We have been trying to work with you in resolution to the above claim for which we have obtained a County Court Judgement. As there is still a balance outstanding, your account has been placed with Cabot Financial (Europe) Limited to act as the agent
  2. Any help appreciated I bought a car on HP in 2003, It was beyond my means and I only made 4 repayments -the car was repossed in 2005. I had a company called Marlin ringing me at work constantly and I was bullied into paying £15pm - I moved house and changed banks and the payments stopped in 2013. In 2015 I had letters from Cabot requesting money - over the years I have argued with them over the debt. They say it was assigned to them in 2016 yet I have statements from the original HP company in 2007 showing the balance - so how can they have it assigned if it was stil
  3. Back in 2010 I received a ccj which I have been paying £10 a month to Hillesden Securities who were managing the account on behalf of Cabot. I have recently received a letter from Cabot informing me that they have asked Mortimer Clarke to take over managing my account. Apparently Mortimer Clarke are happy to keep to the repayment plan agreed with Hillesden, but they will need to speak to me to arrange for my payments to be sent to them directly. I don't particularly want to speak to them as I'm worried they will start to harass me for higher payments. I have found an em
  4. 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 a
  5. Hi, I received a letter from Ruthbridge over a DLC debt which has been assigned to them, this is very old although payments were being made to dlc through a dmc in 2011. I received this letter threatening to make me bankrupt! I decided to send a CCA request to them and have just received a reply today returning my postal order. This states 'we write further to your recent correspondence requesting information with regard to our reasons for contacting you. We take note of the points you have raised in your correspondence, however we must advise we are no
  6. Good Afternoon, I am hoping somone would give me some advice, I have been recieving letters from Mortimer Clarke Solicitors, i have attached the most recent one. This debt is from a Loan i had from Sainsburys in 2011. I had been making payments on it for some time and paid 70% of it off. For some reason the payments stopped, possible due to closing my old Barclays Bank Acc and moving address aruond the same time, the loan was fogotten about completely. Cabot are now after the remaining £300 of the debt + all their fees and charges. I have responded saying
  7. Hi , Blackhorse finance gained a charging order on my property a few years ago , they then got a CCJ which i had money taken from my wages to pay. Since July 2011 i have been unable to work and now live on benefits , no payments have been made since. I received a letter from their solicitor saying that they are going to seek a warrant for sale of goods. Can i do anything to stop this as i am unable at present to pay anymore than £1.00 / month and my budget sheet from the CCCS shows this. Is it worth asking for the debt to be written off or the Judgement set aside beca
  8. Hi, I have just received a letter from MC about a Black Horse debt which I believe is from around 2003/4. They are correct in stating that there was a CCJ obtained on this debt and that regular payments have not been met. The CCJ does not show on my credit file nor on my partners which makes me believe that it is over 6 years old now(how relevant this is I don't know). They are asking me to contact them within 14 days to tell them our current circumstances which I am reluctant to do. I cannot remember the exact date of the CCJ but I feel it was around 2010/11. Could anyone ad
  9. Hi All Around 2010/11 I was in heaps of debt, various cc, loans etc, totalling c £30k. I took some great advice from this site, worked hard, and managed to settle everything. Finally debt free by summer of 2016, credit score still not great, but heading in the right direction. And now I receive a letter from Mortimer Clarke (Cabot): ‘As you are aware a County Court Judgement has been entered against you under Claim Number QWERTY123 and we ask you to pay the outstanding sum of £2244 direct to this office within 14 days.’ The letter encloses an income and expenditure for
  10. Hi All Received a letter 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 Court 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
  11. Hi all. Right so I had a Vanquis credit card, it defaulted in 2015 with about 3k owing. Ive had various letters about it from Cabot (whom the debt was assigned to at some point) and Dydens. In 2016 I recived a latter from Drydens, threatening legal action and also making lots of inaccurate statements about the CPR and legal process, etc...I replied to Drydens asking for the usual stuff, letter of assignment etc, they replied saying they were halting any legal action. In 2017 I received a letter from cabot again saying no legal action would be taken. Then last week I re
  12. I need a little help with this claim form please: Name of Claimant : Cabot Financial Ltd Date Of Issue : 5th April 2018 What is the claim for : By an agreement between SAV credit Re Aqua & the Defendant on or around 11/04/2016 (The Agreement) SAV Credit Re Aqua agreed to issue the defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1300 2.Costs I have not received prior notice of a claim to be issued. Value of the claim i
  13. Morning all, Just wondering if anyone can see anything wrong with this agreement which might render it unenforecable? Thought i had read something a while back regarding the ppi needing to be outlined seperately as opposed to being set out as here. If there anything else anyone can see is not right also, please say. This might be a bit of a tricky one if is not enforecable (long story) will fill peeps in at later date once know basics of where stand with it. Many many thanks as always, Mpols x im very aware how busy the forums are at the mo, so just going
  14. hey all i'm once again finding yorkshire bank causing me a troubling time. i had an overdraft of £500 with my YB current account. they wanted me to pay it back when i was in financial difficulties (the best timing). i made an arrangement of £20 a month but i paid £30 a month into the current account with the £10 covering interest. this all whilst on jsa too. i struggled paying that along with other arrangements i made with them. ..i was really naive about what i could offer them but once i got advice on it, i simply told them that i could no longer afford the a
  15. Hello need some help with a CCJ letter received today from Mortimer Clarke, for what they say is a 2012 mobile phone account with EE that I can not remember ever having. I have had previous letters but not knowing what they were for just ignored them. It say I have 14 days to reply to the court letter or pay in full with their 75 pound charges on top what can I do. Regards Jdene
  16. Hi, Received two letters today: One from Mortimer Clarke Solicitors (dated 28/01/2016) Re: Cabot indicating that they have received no response to the claim form issued.( I was going to ignore it until I looked at the second letter...) Letter Two: Judgment for Claimant (in default), from the County Court, dated 28/02/2016 Claimant: Cabot Financial (UK) Ltd. I checked my credit file using Noddle: It shows one active credit card which is OK and currently active. Then .. Starting from Oct 2015 to Dec 2015 there is an entry for Cabot with a Default
  17. Morning, folks. I'm in a particularly odd and confusing situation so any assistance in clarifying where exactly I stand would be greatly appreciated. In 2010 I took out a credit card with Virgin Money. In 2012 I defaulted on this due to financial difficulty and depression. I do not remember receiving a default notice from Virgin Money. It's possible I received a default notice from MBNA, but I closed an account with them in 2006 (I have the letter) so would have discounted it. In January of 2017 I found out a CCJ was registered against me with Hillesden Securities as the clai
  18. I have just received a letter from Mortimer Clarke stating that they act on behalf of their client Marlin Europe II Limited asking for details of my financial circumstances for a debt that they say a county court claim was issued on April 2014. It also has a claim number at the top of the letter and if I don't respond they will lift the stay and request Judgement. I have never had any claim form for this debt and I have logged on to MCOL and there is nothing on there with that claim number. I also went on to my credit file and it says the debt they are talking about is w
  19. Name of the Claimant ? ME III Limited Date of issue – 12 Dec 2016. What is the claim for – 1.By an agreement between WELCOME FINANCE SERVICES LTD & the Defendant on or around 21/11/08 ('the Agreement') WELCOME FINANCIAL SERVICES LTD agreed to loan the Defendant monies. The defendant did not pay the instalments as they fell due & the Agreement was terminated. The Agreement was assigned to the claimant. 2.THE CLAIMANT THEREFORE CLAIMS 5930.89 What is the value of the claim? £6440.89 Is the claim for a current account (Overdraft) or credit/loan account
  20. Hi All, I'm sorry to return but I again need a little bit of advice regarding a letter from Mortimer Clarke in relation to an alleged debt with capital one... I received a claim form from Cabot Financial via Mortimer Clarke.... Details below Claim Form Issue....18/11/2016 Received.... 21/11/2016 AOS Submitted... 29/11/2016 Defend all AOS Received... 30/11/2016 CCA request sent to Cabot...28/11/2016 CCA request received by Cabot and signed for.....30/11/2016 CPR request sent to Mortimer Clarke... 28/11/2016 CPR request received
  21. Hi All, Received so much help and support way back in 2005-2008 which turned my life around. Unfortunately a DCA (CABOT) has re-surfaced issuing a CCJ Claim chasing what I believe to be a Statute Barred debt for Vanquis they have bought. I will post all details in the relevant place and look forward to your much appreciated assistance. Regards
  22. I am currently trying to get information from Hillesden regarding a HP agreement I took out in 2001 with Associates Capital for a car. This agreement was taken over by Welcome Finance. Prior to this change I contacted Associates and told them I could no longer afford the car due to personal circumstances at the time, and asked them to collect as I had the car for 2 years which was half the HP agreement timescale. They never collected the car. I contacted Welcome after the change and told them the same, that I could no longer afford the car and to collect. Again they
  23. Apologises in advance if this comes across as a little vague but I am asking the question on behalf of my sister who is not a CAG member and as such I don't necessarily have all the facts. She received a letter from Mortimer Clarke Solicitors who are acting on behalf of M E III in regards to a debt of £1000 that they claim went the way of CCJ and remains unpaid. She has looked at her credit report and can see no sign of a CCJ and says she has never had one on there after I pointed out to her that if it was over 6 years ago it wouldn't appear on her report anyway.
  24. Hi.. Good afternoon everyone, I really hope someone is able to help me. This morning I've received a County Court claim. The perusing claimant is Mortimer Clarke Solicitors acting on behalf of Cabot Financial. The debt of £413 is from a Capital One card from 2004 (£213 of this is interest charges). The last payment I believe I made to (Aktiv Kapital) was back in December 2009, although I can't confirm this as I have a different bank account now, and I've made no contact or acknowledgement since. I checked my credit file in late December (screen shot attached) and seen
  25. Name of the Claimant ? MARLIN CAPITAL EUROPE LTD Date of issue – 27 MAY 2015 What is the claim for – By an agreement between Egg Banking plc (EGG) & the defendant on or around 29/10/2005 (the agreement ) EGG agreed to issue the defendant with a credit card. The defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the claimant on 31/01/2013. THE CLAIMANT THEREFORE CLAIMS 1. 4000 2. interest pursuant to section 69 of the county court act 1984, namely 1400 & continuing until judgment
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