Mortimer Clarke/Vanquis Letter...... I'm confused!

[codecheka]

Hello,

 

I'm hoping that someone can help me out of my confusion.

 

Yesterday I received a letter from Mortimer Clarke Solicitors re Cabot, ( I have uploaded a copy), concerning a request I made for documentation.

They have enclosed a digital application form,

a default letter from Vanquis dated 10/04/2015  (I don't remember receiving this originally, but I probably did). 

A copy of a letter asking for application information, again from 05/01/2018 ( I have no record of ever asking for this and I keep copies of everything) 

and two pages of transactions for a credit card I had with Vanquis years ago.

The dates on these letters are over 2 years old, and the last payment I made on the card appears to have been January 2015

 

(Long story short, I stopped paying on this card back in 2015. when my then partner left, and I was unable to pay a lot of bills and got into a right mess)

 

my confusion stems from the fact that I have never had any contact with Mortimer Clarke or Cabot.

I have never requested any information from them!

 

As you can see,

they have not put a date of my (alleged) original correspondence on the letter,

the digital signature application has a lot of info missing, like

my previous address,

my job title and how long I had been working at my job.

The email address they have on this form is one that I haven't used for years either.

 

The question now is, how do I respond to this letter.

 

Thank you in advance for any help xx

 

docs 1.pdf

[fkofilee]

One of the team will be along shortly. I find it odd that suddenly this has turned up and something must have prompted it. 

Have you had any contact with Vanquis recently? 

 

[codecheka]

Hi there,

 

no, nothing at all. It's very odd

[fkofilee]

Hmmm thats bizarre... Have you ever had any letters from them in the last couple of years? 

Check your Credit Files - Have any searches been done?

[codecheka]

Just checked my credit file, and the only searches on there are for 2 insurance quotes last year. As for letters, I can’t remember the last time I had anything from either Vanquis or a DCA. I had forgotten about the Vanquis card, it had been so long since I had heard from them. x

[dx100uk]

have you moved since taking this card out?

so you applied for it at 06:28AM one morning??

seems weird to me.

 

also as vanquis state its an APPLICATION and does prove you were successful.

 

did you OH go this?
take out lots of credit in your name?

 

 

[codecheka]

No, I've been at the same address now for 11 years.

 

I noticed the time on the application too, I would have been leaving for work at that time in the morning, or asleep! 

 

The card was mine, and as far as I'm aware the ex had cards in his own name, I was never a secondary user on any of them, but he didn't get credit in my name as far as I know. x

[dx100uk]

but this card is showing on your credit file as defaulted?

and obv showing as the owner now being cabot.

 

pers i'd wait and see if you get a letter of claim and an I& e pack inline with the recent pre action protocol regs they must abide by if they are sniffing to court.

 

dx

 

[codecheka]

Hi,

 Yes the card is showing as defaulted and is owned by Cabot.

 

So, if I had requested this information (I know I didn't), and the letters they have sent me date back to 2018, then surely they are outside the time limit to provide it to me anyway?

 

Funny, there's no mention of court in their letter, they've just sent an expenditure form for me to fill out. x

[dx100uk]

there is no time limit for return, other than when the initial letter is sent they have 12+2 working days to provide it, then if fail, were you paying, you could cease, till/if they comply.

 

what is reported defaulted date on the credit file?

 

dx

 

[codecheka]

The last missed payment is recorded as august 2015, but the last payment on the statement is a debit card payment in January 2015 x

 

[dx100uk]

defaulted date from youe credit file please?

and where are you are you getting these statements from ...who sent them?

and on whose headed paper are they from?

 

[codecheka]

The credit file date is the August 2015 one.

The statement is a printout that was enclosed with the letters that I have uploaded here,  it’s just says Vanquis bank at the top of one of the sheets x

[dx100uk]

I think you need to SAR vanquis to be 100% safe here for the future.

if you do get a letter of claim soon.

being prepared is a good thing.

 

dx