Cabot/MFS/Mortimer chasing 2008 CCJ/CO - property with CO was repo'd

[TCFB]

Hi

 

not sure if this is in the right place.

 

I received a letter and a call from Mortimer Clarke regarding a debt for MFS Portfolio.

 

The debt is approximately £4k.

 

I wrote to them on numerous occasions asking for details and they never sent any.

 

Mortimer Clarke called me this morning and I had to prise the information from them -  the debt is for a scooter purchased in 2004.

 

They told me that a CCJ was obtained in 2008 and was registered as a charge on the house I lived in at the time.

 

In 2011 I got into financial difficulties and as a result the property was repossessed

I assume at that time that the purchaser would have been aware of the charge. 

 

Would a copy of the judgement they obtained in 2008 still be available. 

I got the feeling even though they don't have a copy of the judgement. 

I asked them to send me what they have and we agreed they would get back to me in a month. 

I told them I would be seeking advice on the matter.

 

There's nothing on my credit file relating to this or the reposession of the property.

[dx100uk]

shouldn't ever be talking to a dca or their wolves on the phone.

they'll say anything to con money out of you.

 

the charge is dead, and the CCJ is more than 6yrs old.

it would take a very unfair judge to allow further enforcement outside of 6yrs.

 

have you written the the debt owner from your present address?

 

dx

 

 

[TCFB]

I emailed them and Mortimer Clarke some time ago and they never responded. 

They have my current address. 

I have received their standard contact letter. 

 

The mortgage was with Kensington and the house was sold. 

There's no record of the reposession on my credit file either. 

 

When they get in touch should I ask them for the County Court case number so I can chase that up?

[dx100uk]

in what way have YOU communicated your correct address to either Kenny's or cabot (MFS/Mortimer as par of the Cabot Group) since your move?

[TCFB]

Nothing to Kensington but verbally to Mortimer Carke

Mortimer Clarke sent standard letters so they have got my address from somewhere

[dx100uk]

yes but not officially, probably harvested from your credit file, which in a court of law is not deemed as a legal service address

CCA MFS

[TCFB]

Mortimer Clarke have emailed me a letter and attached

a copy of the original agreement signed on 29th June 2004 and

a reconstituted copy of the notice of assigment dated 30th November 2007.

The letter also states that the county court judgement was obtained on 6th March 2008.

 

Should I email them back and ask for the case number for the county court judgement? 

Will MFS Portfoli have to provide the court with a valid reason why enforcement of the judgement was not undertaken within the 6 year period and apply to the courts to have the judgment enforced.

 

Is there a standard letter I could reply to Mortimer Clarke with?

 

 

[dx100uk]

Will MFS Portfoli have to provide the court with a valid reason why enforcement of the judgement was not undertaken within the 6 year period and apply to the courts to have the judgment enforced.

 

it is extremely rare for a judge to allow further enforcement on a CCJ outside of 6yrs .

 

I'd simply send them one further email stating.

your current and correct address.

stating that any further emails to xxxx from xxx will be blocked and bounced back unread and that all further communication needs to be sent by royal mail letter only.

 

dx

 

[TCFB]

Thanks I've replied to them. Will they start sending letters now?

[dx100uk]

dunno but whatever they do I can't see this going anywhere fast.

 

dx

 

[TCFB]

Hi

 

Original post form 341 days ago

"

"Hi

 

not sure if this is in the right place.

 

I received a letter and a call from Mortimer Clarke regarding a debt for MFS Portfolio.

 

The debt is approximately £4k.

 

I wrote to them on numerous occasions asking for details and they never sent any.

 

Mortimer Clarke called me this morning and I had to prise the information from them -  the debt is for a scooter purchased in 2004.

 

They told me that a CCJ was obtained in 2008 and was registered as a charge on the house I lived in at the time.

 

In 2011 I got into financial difficulties and as a result the property was repossessed

I assume at that time that the purchaser would have been aware of the charge. 

 

Would a copy of the judgement they obtained in 2008 still be available. 

I got the feeling even though they don't have a copy of the judgement. 

I asked them to send me what they have and we agreed they would get back to me in a month. 

I told them I would be seeking advice on the matter.

 

There's nothing on my credit file relating to this or the repossession of the property."

 

Mortimer  Clarke Have sent a letter (attached).  Could someone please advise?  I need to be prepared for when engage visit..............................it could be anytime.

 

Mortimer for Engage letter.pdf

[AndyOrch]

Topic merged....please keep to one thread per issue.

 

Andy

[dx100uk]

so marstons are now doing fake doorstep visits...

and ofcourse during a covid lockdown...

i wonder how many rules they are breaking here...

oh well.

 

if someone ever does appear

film them with your mobile phone

tell  them to leave your property and never return else you'll call police 101and send them the video.

do not engage 

 

they are not bailiffs 

and any DCA be them at your door, on the phone, via email or by letter

have ZERO legal powers on any debt no matter what it's type.

 

 

[TCFB]

Well Mortimer Clarke are persistent if nothing else.  

David from Engage dropped this through the letter box before scuttling away.

 

Exchange Marstons.pdf

Edited February 3, 2021 by TCFB

[dx100uk]

stuff and all they can do

 

dx

 

[honeybee13]

Thread reopened.

 

HB

[TCFB]

Thanks for re opening

 

This is now passed onto Cabot who are constantly sending letters  and calling (which I don''t answer). 

 

Should I ignore them given that the original ccj was 2008? 

 

It's really getting to me now and I think the worrying was definitely  a contribution to my blood pressure going through the roof and suffering a TIA last weekend.

 

I spent years getting my credit level sorted out and now have a high score with the CRA's (not that I want to get into any more debt). 

 

 They sent me another this morning saying they would appreciate if I would call them to discuss at a convenient a time.

 

I expect another letter next week.  It's bordering on harassment.

[dx100uk]

So you've not got a hamster that needs bedding?

 

Nothing anyone can do 

 

Dx

[TCFB]

Thanks.  My granddaughter has.  

 

[AndyOrch]

Quote

They sent me another this morning saying they would appreciate if I would call them to discuss at a convenient a time.

 

Return to sender not known at this address