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Mortimer Chasing an old Egg credit card CCJ/CO


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Hello

 

First time here and hoping you can help.

 

Around 2003 having been made redundant, I had a debt for an Egg credit card for around £3.5k.

 

 

I barely recall the details as it was so long ago

but vaguely remember it being passed to a solicitor as started getting letters from them. I

 

 

was not aware of any CCJ being issued at the time but don't use credit since I was made redundant

so if it went on my credit file it must have gone off again.

 

In 2006 I got a letter from Land Registry stating that a charge had been made on my property for the amount of just over £4k,

the charge was to Egg as far as I can remember, s

o I assume a CCJ must have been obtained to take this action?

 

I understood that this meant that if I ever sold my house,

I would need to pay this off to Lowells/Cabot as well.

 

 

I have a very small mortgage of only £100 per month and manage this,

the Egg debt was entered as a second charge and as I had no income or means of paying it

the Egg debt at the time, I let this charge happen.

 

I have never sold the house so the charge has just lain dormant for all of that time

and have never heard a single thing from Egg or any debt collection company in all of that time.

 

Out of the blue,

I have today received a letter from Mortimer Clarke solicitors stating that they are enforcing the CCJ of £4,465

and want payment, no mention of how they are connected to Egg but they quote a CCJ number.

 

Is my home at risk here?

I'm upset that I have been very careful not to get any debt secured on my home to make sure that it is not at risk as I cannot afford to with having children, yet it now seems that it is at risk or can they not do this?

 

Your help would be much appreciated.

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Very unlikely.

 

 

You need to demand info on who they claim to be chasing the CCJ for.

 

 

Also if lowells and cabot had the debt,

then its pretty sure its a bad debt that really should never have ended in a CCJ.

Thats likely why nobody has ever chased you.

 

Also, if theres a charge on the house and theyre chasing a CCJ, laugh at them.

Hard. As the charge was the enforcement of the CCJ.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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who got the CCJ? [claimant]

and whos name is against the charge on LR please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

Thanks for the response.

 

The charge on the LR is for Egg.

 

I didn't know that there was a CCJ so not sure who got it

but assume it was Egg as they did the charge on my property at the LR?

 

I still have the original letter from the LR and the charge says "Direct Legal & Collections, Northants, on behalf of Hillesden Sec Ltd (Egg Banking plc)"

 

Hope that helps.

 

Incidentally, the house at the time of the charge was jointly owned and is now only owned by me following divorce, so assume a joint debt now becomes mine alone even though it was never mentioned as part of the divorce?

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either of you would be jointly liable for the whole debt

 

you have the CCJ number

no harm in ringing northants and seeing if they still have a record of the CCJ they can send

or atleast get the name of the claimant.

 

in 2006 there were a lot of EGG debts that were farmed out to these players to litigate for EGG.

 

Hillesden dlc mortimer Clarke are all the same group.

 

who are Mortimer stating are their client in the letter?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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