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Mortimer Clarke claiming judgment issued - no trace of judgment vanquis - *APOLOGY & COMP RECEIVED*

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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 received a letter from Mortimer Clarke saying that they were now the solicitor AND also including form N434 - Change Of Legal Representative but on this form it staytes Claimant = cabot, Defendant = Me, Claim Number is blank.

 

The actual letter claims judgment was made against me on .... (yes that what it says, there is a blank space !).

 

I have not received any letters about this claim, I suspect there is no claim, I phoned Mortimer Clark who said the claim was performed by previous solicitors Drydens and that they didnt have the claim number..hhhmmm

 

Ive phoned cabot who know nothing about this so it look very like;ly there is no claim.

 

Im surprised though that MC are prepared to lie in this manner, it appears to be it could have serious repercussions.

 

An obvious give away is the form N434 they sent me, this is required to be sent to all the parties and the court, are they seriously saying they sent this to the court without a claim number !!???, as I found out this couldnt be a admin oversight as they dont actually know the claim number.

 

Any thoughts on what next ?.

 

I intend to phone Drydens to hear what they have to say.

 

Phone Northampton Court, not sure if they can help with a claim number but Ill double check there hasnt been claim.

 

Write complaint to Mortimer Clark, why are they misleading me, is this fraudulent ?, they are after all trying to pressure me to pay what hasnt been adjudicated on yet. Follow up this complaint to SRA

 

Andy

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Check if you have any ccj against you.

Then laugh at them.

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Nope..I checked the CCJ system and it says no......credit report shows nothing (now there could be delay but I doubt it).

 

Just spoke to Drydens..they closed account and have no involvement since 2017 and didnt take legal action.

 

So its not good enough to laugh at MC, I want to make things seriously bad for them..many people might of seen letter received and paid up believing judgement had been issued.

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I'd begin with an SAR.


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Ive just popped complaint across to them asking them to explain and compensate me before I write to SRA.

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There is a procedure where you can complain about such abuses of process and telling porkies like that to the courts service. Admittedly when I have done this it didnt result in anything visible but if you can get the courts service to even comment on it then you have somehting to take to the SRA with a complaint abiut MC telling lies, abusing the court forms and so forth. Best you can hope for is a slap on the wrist but if they get a bundle of complaints like in the CEL/Shwartz case they may well take further action

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Thanks..Ive looked at SRA site, it says complain to solicitor in first instance..done that..asked for some comp too.. I spent quite a while phoning the various companies and £6 to check CCJ....

 

Ill let you know what happens :)

 

I find it hard to believe that the court form went anywhere near the court..there is no claim number on it..Im pretty sure a court wouldn't accept it even if they did send it.

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I remember sending my complaint and a copy of the fake form to Northampton CC but cant remember how I had to address it. I know it got lost in their internal system for a while because it didnt have a claim ref number (duh!) and it all died a death as far as went regarding communicating with me but there again if they are going to do someone for abusing their copyright or forms then it isnt necessary to inform the person complaining.

I suspect as said they will get a ticking off, promise to never do it again and be back at it on monday

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I spent quite a while phoning the various companies and £6 to check CCJ....

 

Unless you are recording these calls, stay off the telephone. Get a paper trail going where they are telling the porkies, and then you can bury them in the proverbial when the time comes.


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moved to the provi forum.

make sure ALL your old addresses are showing on your credit file andy


..

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Good outcome..full apology from them..plus going to pay compensation :)..not convinced it was just an error as they stated....the alleged judgement date was missing plus they would never send communication to MCOL with no claim number..seems to me a crap attempt to obtain money from people by scaring them.

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So final outcome is all good.

 

Compensation received.

 

Plus I think its given Caboot a boot up the backsides..as Ive just received 2 letters from them, one is about this debt where they state they cant provide the agreement and therefore wont be taking any further action as they acknowledge they'd lose in court AND another letter about another debt with them which I reminded them is stat barred..they said this one is now closed completely.

 

So 2 debts now gone (one technically still there but nothing they can do) and some compensation :)

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