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Hi All,

First post here and im hoping you can all help as im a little rattled.

I've been back to my parents this weekend and they've handed me a letter from Mortimer Clarke working on behalf of Cabot on behalf of welcome.

There's been a CCJ against me for approx £510, and my month to settle it period runs out on the 19th.

The address they have been using is my parents that i haven't lived at for over 2 years (although i do have banking etc registered there)

What should i do with this?

I've read a lot about excessive PPI etc from welcome so should my first port of call be writing to them about this?

I know im not going to be able to pay in full before the deadline, and i have suspicions that the debt may have been statute barred prior to the CCJ.

Should i offer to set up a payment plan with Mortimer Clarke or would that be seen as accepting the debt?

Apologies for my general ignorance on this and my slightly rambling post.



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