Hi all, I need some help re my problem. I am now at the stage where Morgan Solicitors are threatening that if I do not contact them with an offer of payment on the Charging Order on my property, they will apply for an order of sale. A bit of history..... I have never responded to any letters or proceedings (my fault, nasty divorce and burying head in sand). Can I start the original process of CCA, then SAR, then CPR? If so, could it work at this stage should no-one have the requested documents? Please advise and many thanks.

MBNA have confirmed to me that they only have page 1 of my application form from 1993. They have nothing else relating to my application. They quote the Carey case and say that not having all the paperwork is not an issue and that I must continue to pay. I do not want a bad mark on my file but surely I can reclaim all the charges and interest and ask them to stop all interest and charges from this point on? What is my best course of action? thank you.

Hello all. I've not been around here for a few years so I'm a bit rusty and can't find my way around. Its all changed Is it still ok to post pictures of letters received etc? This should be straight forward... In April 2011 a Tomlin Order was put in place between Cabot (Morgan solicitors) and me. The 'Schedule' stated monthly installments of £10 each month, and the payment plan may be reviewed annually by the parties on the anniversary of the order. This has been paid regulary each month on time by standing order. On wednesday (1st Aug.) I had a phone call from 'Quantum', a company I've never heard of before, asking me to go through some security questions. I asked them who the hell 'Quantum' was and they said they were Debt recovery working for Cabot. They asked if I'd received any correspondance from Cabot yet - answer, No. I mentioned we'd been to court last year and there was an Order in place; I'll check my paper work and get back to them. I got another call from them in the afternoon but to save time I told the person they'd already rung today, check your records. He did, apologised, and that was that. On thursday (2nd) the correspondance from Cabot arrived - dated 1st Aug - with two letters inside. One was from Cabot and it said.. 'This is to notify you that as we have not come to an agreement to repay your account, Cabot Financial will be passing your account out to Quantum Debt Recovery Limited, a debt collection agency. If further legal action is required,,,,,they'll pass it on to Wright Hassal LLP, a firm of solicitors'. (ironic name ) The second was a 'Get in touch we want to help...' letter from Quantum. As there is a Tomlin Order in place which has been paid regular as clockwork, what are Cabot playing at and how do I deal with Quantum? Thanks.