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received a letter before claim and reply form


candiceaton
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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.

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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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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

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but you got a response pack as per our attachment?

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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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...

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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 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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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.

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  • 2 weeks later...

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
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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 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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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...

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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

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