Jump to content


candiceaton

received a letter before claim and reply form

style="text-align:center;"> Please note that this topic has not had any new posts for the last 308 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Cabot purchased a debt, the original debt was either m&s credit card or tesco credit card,i think. I have ignored all letters. I suspect its almost (if not) statute barred by now. (need to dig out files to check this)

 

I now have received a letter before claim and reply form, from Cabots solicitors, mortimer cooke.

 

Not sure whether to reply, is it bonafide? a scare tactic, or will no response get me a ccj?

Any guidance will be very appreciated.

Share this post


Link to post
Share on other sites

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

the letter before claim is not headed as such, but i think that is what it is.

Share this post


Link to post
Share on other sites

It's a masked letter of claim designed to mislead you. Be aware that if you don't do something with it they will issue a claim. They seem to be issuing claims like confetti lately as they've bought a bunch of old debts and hope to get judgement by default.


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

Share this post


Link to post
Share on other sites

but you got a response pack as per our attachment?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you very much for your fast reply, dx100uk, much appreciated!

 

Yes i did get a response pack, as per your attachment, I have printed it off to use, just now, but just wondered, why do i use yours and not theirs, (reply )form. NB I will use yours...but was curious as to why its better to do...

 

Thanks renegadeimp, for your reply. That has answered my doubts about things...

Share this post


Link to post
Share on other sites

we have seen the response pack 'customised' to ask loaded questions, and we've also seen on that to put it bluntly, if by signing, you admitted the debt.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Aha! I see, thanks very much for that info, dx100uk, very enlightening, you are a mine of information, and I am very grateful to you, thanks everso much for your help, it makes a massive difference, :-) I will keep you posted on any developments.

Share this post


Link to post
Share on other sites

Oh no!

 

I have today received a reply from mortimer clarke,,

 

"we confirm that we have requested copies of the original agreement and other relevant documents relating to this debt from our client and will forward these upon receipt...your account has been placed on hold until those documents are obtained...

 

So now, I am unsure what to do and what this now means for me...? thanks.

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Why oh no?

What else did expect them to say..ignore you..run away???

 

As it stands theyve tried to fleece you without holding any cards

 

Been here since 2010 you should know cag is self help..

Youve not bothered to read any in the downtime since getting the pap letter


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Oh I'mm really sorry if i have offended you, dx100uk....I just panicked as have had a few horrible issues to deal with lately, (bereavements) and I havent read any other peoples cases, although now I will go and look, really sorry to be a nuisance...but i will now go and look at the other posts...

Share this post


Link to post
Share on other sites

Your not being a nuisance...but your post suggests its all doom and gloom whilst in reality its simply part and parcel...which you would know if you had familrised yourself candiceaton.

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...