cabot/mortimer old CCJ not paid since march 2014 now being chased

[hugo1963]

Hello,

About 16 years ago i hit a bit of a sticky patch, jobless etc,

 

i had debts i could not afford, these ended up as 4 x ccj's, nominal payments of £1 per month where ordered on each of these.

 

I set up direct debit payments to pay the orders and made regular payments for 10 years,

about march 2014 i changed banks,

i contacted all debtors to set up new direct debits all but 1 was successful,

this has remained unpaid since way back in 2014 when at the time i offered them new direct debit mandate details.

 

I am now being chased by Mortimer Clarke solicitors who have threatened to send representatives to visit my home,

these are from "Engage" a Marstons regulated service company (are these bailiffs? if so what powers do they have?)

 

on the letter it states debt owed to Cabot financial (UK) LTD i have never had dealing with these so i cant really acknowledge the debt. 

 

The original debt was a bank which no longer exists and went out of business/changed names around the time i gave them my new direct debit details,

so i'm guessing they got lost somehow.

 

Any help or advise would be much appreciated.

 

 

[AndyOrch]

Which Bank was it and who was the original claimant ?...names please then we will know if it was likely assigned to Cabot.

 

Andy

[hugo1963]

yorkshire bank or allience and leicester cant be 100% sure until i get home.

 

Ta

[AndyOrch]

If you could check...as its only been a break of 5 years and not 6 the new Judgment claimant as we must expect it has been legally assigned is allowed to request payment.

Its simply a case of checking it has been legally assigned and then arranging payment to commence to CAbot.

 

Deal with MC/Cabot direct.

[hugo1963]

Thanks 

Do i contact mortimer clarke to get all details and set up new arrangements/payment etc or go by original order.

 

[AndyOrch]

You want proof first that they have been assigned the judgment debt...did you never receive notification from the original claimant or Cabot of the assignment ?

 

Ask MC for proof of assignment and also their banking details or cabots.....you will be paying them what was agreed by the the court on the original claim. 

[dx100uk]

Thread title amended for clarity 

 

and just to reassure you

no ..engage are not part of marstons bailiff wing 

they are a side DCA business

have no legal powers at all.

[dx100uk]

just spotted this is almost outside 6yrs, so no wonder they sent it to an outside DCA of their group.

have you moved since the CCJ was granted? and not updated them of your current address since?

 

 

[hugo1963]

Ive lived at same address all time, ive heard nothing since i gave them my bank details to set up a direct debit when i changed bank. until mortimer clarke about 2 month ago and certainly 1st time ive heard of cabot

Thanks Hugo

[dx100uk]

I would suspect the CCJ is in another of cabots trading names

is it on your credit file? should be?