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Backdoor Cabot/Mortimer CCJ - old Vanquis Card debt - old AEO now +6mts old and struck out..keep chasing me


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Hello All - hope you can help

Cabot Financial - Mortimer Clarke Solicitors

 

I have been contacted over the last 10 days by both companies regarding an outstanding credit card debt of around £3500 from about 2012.

I'm living on my own, fell into a financial black hole around 2011/12 and have been struggling ever since

- I'm now trying to survive on Universal Credit. 

 

Mortimer Clarke Solicitors contacted me by letter about a week ago with an income/expenditure form giving me 14 days to reply.

The letter stated they are acting on behalf of Cabot Financial and also said - 

'We have been told that a CCJ was obtained in relation to this debt but you have not been repaying this on a regular basis.

We would like to talk to you about this because payments now need to be made to us.'

 

Then I received a letter from Cabot Financial today -

'Welcome back to Cabot'

- Your account has been returned to us from our solicitors where a CCJ was obtained.
It then gives some information about CCJs and credit file recovery and asks me to contact them to arrange a payment plan.

 

I'm not sure what to do next about these letters.

I haven't made a payment or contacted the credit card company since around 2012 (just buried my head in the sand).

I've read that there is a time limit of around 6 years on this type of debt but not sure.

Would appreciate any advice thanks

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Have you checked there is a ccj

we've seen several letters by this lot whereby it was an admin error.

There was no ccj.

 

Check your credit file

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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Ok

- thanks for the advice

- I will apply for a credit report and check that there is one for this company.

 

Any idea what I do next if they are correct and there is a CCJ  on my account?

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do it online now for free

noddle

clearscore

etc etc

they are all now free

 

dx

 

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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Thanks for your update 

- I've just signed up with Clearscore

- looking at my April 2019 report option now

- can see only 1 CCJ on my account.

 

It is for £3393 - dated 10 November 2015 and is 'Discharged - undefined'  - not sure what that means. 

 

The letters suggest that the CCJ has just been obtained

- maybe it hasn't been added yet or are they not telling the whole story?

 

Any advice as to what to do next thanks ? 

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are all of your addresses old and new showing under linked addresses etc etc.

sounding like another admin error on their behalf

 

 

dx

 

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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Thanks dx - have lived at same address for over 10 years

- checked and no other addresses on report

- not sure what to do now

- just ignore letters and hope that's the end of it as at the moment I am unemployed/universal credit and have no way of paying this debt 

- thanks again 

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who says you need too?

 

you could try trustonline.org

using your current address

 

that's the definitive court listing

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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Thanks dx

- Have looked at trustonline as suggested

- looks like £6 to search your records

- money I don't have at the minute.

 

Had a look around this site this morning

- as I haven't made a payment or contacted the company since around 2012

- they may have ran out of time to claim money from me.

Will have to sit tight and hope for the best 

- thanks again dx

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Hello ericsbrother

- the CCJ awarded in 2015 is for exactly the same amount that they are claiming for in their recent CCJ awarded letters

- it can really only be for the same credit card.

Unfortunately, I just ignored any letters received in 2015. 


I've checked my credit file again today and no new CCJ's have been added and there are no new upcoming changes

- so not sure how they can claim they have recently obtained a CCJ. 

 

I'm not sure what to do next when trying to fight my corner.

I've read if I contact these companies then the clock starts ticking again and they have a further 6 years to chase me.
I would appreciate any advice

- thanks

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no it cant 'start again' you have a CCJ it cannot be statute barred.

 

pers id do nothing yet.

 

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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Thanks for the update dx

- I was panicking about these 2 letters

- rather than ignoring them like a few years ago

- I thought I would try and be more proactive and sort them out much earlier.

 

Will take your advice and wait for any further letters 

- thanks dx 

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a dca has no more legal powers than you or I...…………………..

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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Share on other sites

The CCJ, was issued in Nov 2015, so they still are within the 6 years to enforce.

 

It doesn't seem very much like any CCJ enforcing letter that I have received before eg threatening taking control of goods etc.

 

I think it's best to ignore, wait and see if anything else comes through.Then run it past here.

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

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Hello all

- I've received another letter from Mortimer Clarke Solicitors over the weekend asking me again to complete an income/expenditure form within the next 14 days and to include an offer of payment.

 

Letter states:
We wrote to you recently regarding your outstanding balance with 'credit card company'

We were hoping to talk to you about your circumstances and arranging a repayment plan but we have not heard from you.

It's important that you address the outstanding balance and we want to give you an opportunity to tell us about your current circumstances and agree an affordable payment arrangement.

 

What does it mean to me?
A CCJ was made and it's important that you do not ignore this.

We want to help you address this debt so please contact us in the next 14 days.

If we don't hear from you, we will ask our client what they want to do next.


I've checked my credit file again and nothing new has been added

- just the 1 CCJ from 2015.

 

Not sure

' we will ask our client what they want to do next.'

means - would appreciate any advice

- thanks

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could be anything ..more scary letters.

 

pers i'd let this run.

 

 

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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Share on other sites

Let ir run. Youd get a letter from the court if they actually applied for an AOE. 

Theyre trying to bluff you and negotiate out of court, as they always do, to try and get things on THEIR terms, not the right ones.

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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Thanks for your replies dx and renegadeimp

 

Since posting this morning I have managed to find a couple of Court letters related to the CCJ awarded against me in 2015 (the case references match up.) I had contacted the court to state I was unemployed via a N56 statement of means form.

 

The last letter dated Sept 2016 from the court is a General Form of Judgement or Order it says :

It is ordered that:
The application for attachment of earnings is adjourned generally with liberty to restore, but if there is no application to restore within 6 months it will be and is hereby struck out.

 

Not 100% sure what the above means but could it mean that they have missed their chance to enforce anything? - thanks

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so AEO is struck out , not a lot more they can do to yo u

hence the repeated begging letters.

 

 

what was 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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  • dx100uk changed the title to Cabot/Mortimer - old AEO now +6mts old and struck out..keep chasing me

topic title updated

moved to legal forum

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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Share on other sites

who was the OC?

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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  • dx100uk changed the title to Backdoor Cabot/Mortimer CCJ - old Vanquis Card debt - old AEO now +6mts old and struck out..keep chasing me

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