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Cabot/Mortimer PAP Letter - 2015 HFC Marbles card debt

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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 and use my cards to gamble and pay for a drug habit i didn't know about

 

i was subject to mental torture for an extended period of time,

if i didnt let him do this he would threaten to tell my job lies to get me sacked which made me feel sick as i love my job and i am good at it,

 

now he is finally out of my life i have a shed load of debts that will be chasing me like this one.

What is the best thing for me to do.

 

Thanks in advance.

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can you pop all those into ONE multipage PDF please

so we wont be here all day rotating and reading single files./

 

read upload


..

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second thought s

its a PAP letter we know what it looks like already

don't bother with the upload

 

in answer to what you need to do

 

follow post 4 here

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017


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thankyou ill take a look

 

what is likely to happen when i have done in relation to the post 4? ive just taken a look?

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very little I expect

I gather you ex forged forms etc etc?

 

dx


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no. i had the cards already, he just became very controlling etc and it took a long time to get my life back with him not in it and get control back on everything, now with a whole heap of debt in tow.

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when do you think you stopped paying?


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Towards the end of last year beg autumn time roughly i think without digging out old paperwork

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ok so nowhere near SB

 

when was it sold to them do you know?

or have you not seen any letters to date?

 

when was the card taken out please?


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sold to them i believe around may this year, card was taken out a few years ago 3/4 years?

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Ok well could get sticky

But i expect these debts are the least of your worries...


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It's a pap letter but it's likely not compliant as it doesn't state what it is


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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Also even if they file a claim most times they don't bother after you file a defence leaving the claim to be stayed


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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Do you mean that it does not give the full details of my account debts with Marbles as Cabot dont have them?

 

When you say file a defence do you mean sending them the pap letter asking them for the full details of my account and debt?

 

Sorry i am a little new to this

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Its an alleged pap letter but they disguise it as just another threatogram. The only reference to letter of claim is a small subheading on another page. They do this to try and say they complied with protocol and you ignored it.


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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no it was a pap letter and it had the relevant title.

twas in a scan in post 1 now removed


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They must have updated it, when me and my partner got one, the only reference to it being one was a tiny title on 2nd or third page.


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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not sure why the pics have gone as i have not removed i shall try and re post them . Sorry

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we don't need to see them unless you scan as a multipage PDF please

read upload

 

thread retitled and moved to the HFC forum.


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Hiya, as i said i am not sure how to do that. I am still unsure what exactly to do as if i send this pap letter what is likely to happen next as once i send it i cant unsend it ifkwim. Sorry, but thanks for the advice it is greatly appreciated

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read this thread

follow post 4 in that thread

cant see whats confusing about that.

100's have follow it without problems already

you must reply within 30days of that letter

else you run the risk of a claimform.


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Hiya, and thanks for all the help and advice, apologies for not understanding previous replies.

Sorry it took a while to reply but had a death in the famly.

 

I am sending everything advised off tomorrow,

but can i ask,

on the other thread i was directed to it says at the end (post 4) to get a £1po and then send the PAP document to the solicitors (Mortimer Clarke)

 

However i have read on another thread on here that i should send the PAP document etc to CABOT and a letter confirming i have done this or something to this affect to the solicitors. Can you advise to confirm which place it should be sent to?

 

Thankyou again

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read that post 4 properly...


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