Cabot/mortimer Claimform - old newday Marbles Credit Card debt

[DontLetThemDoIt]

Thanks DX 

 

I actually knew that from reading other threads on here i just didn't realise that amount of time had passed already (weeks seem to pass so fast since covid).

 

Do they ever apply to lift the stay if they find any documents?

[dx100uk]

they require all and they must be enforceable and not fakes...not the only issue they would need to overcome i would suspect either.

cabot are fleecers united ..

 

when did she take this card out?

whats the defaulted date on her credit file?

 

[DontLetThemDoIt]

Im really not sure (I'll dig a bit deeper).

 

If there is anything on the credit file, would this still take the 6 years to drop off?

[dx100uk]

6yrs from the defaulted date regardless to any payments.

if a judgement were obtained CCJ shows for 6yrs against regardless to being paid or not (unless within 28days of judgement) in the public judgement section.

 

[DontLetThemDoIt]

In your opinion do you think this is the last I will hear about this from them now?

[dx100uk]

answer the q's....

[DontLetThemDoIt]

Just to keep this thread updated.

 

I received this letter from Mortimer Clarke today:

 

We refer to the above matter. 

Due to an administrative error a letter was  sent to you through an automated service dated 06/04/2021, we would like to apologise for this letter being sent out to you. 

 

We can confirm the account is currently on hold awaiting our client's instructions on your Defence. 

 

We trust this is of assistance. 

 

Thanks 
Yours faithfully

Mortimer Clarke

[dx100uk]

On 18/04/2021 at 01:06, dx100uk said:

when did she take this card out?

whats the defaulted date on her credit file?

 

 

5 minutes ago, DontLetThemDoIt said:

Due to an administrative error a letter was  sent to you through an automated service dated 06/04/2021, we would like to apologise for this letter being sent out to you. 

 

what letter?

 

dx

 

[dx100uk]

whats the status of the claim on MCOL?

i suspect it doesn't say N180 DQ issued.

so the claim is stayed.

[DontLetThemDoIt]

I don't know what letter they are referring to as i upload all the letters here.

 

Unless they mean the one that said it may take some time to reply to my defence.

 

 

I just logged in to the MCOL site but i cant see anything about the status as it just shows the documents that have been added.

[dx100uk]

should be a section that details the claim actions to date 

like claim issued date

defence received date. 

 

etc 

what is the last entry.

 

 

[DontLetThemDoIt]

At the bottom of the webpage it does say:

 

Applications

Set Aside Applications entered electronically (most recent at the top)

None

[DontLetThemDoIt]

on the claim history the last thing that's on the list is "Your defence was received".

 

 

Maybe they are hoping that i contact them by sending me a random letter

Edited April 27, 2021 by DontLetThemDoIt

[dx100uk]

then the claim is autostayed

go enjoy your life 

 

they will now have to pay £255 to lift the stay and send you and the court an N244

[DontLetThemDoIt]

Brilliant.

 

But then if they manage to find a original agreement then they may think it's worth their while to un-stay it.

[dx100uk]

pigs might fly too.

 

dx

[honeybee13]

Thread reopened.

 

HB

[DontLetThemDoIt]

 

I knew I wasn't imaging that pig I saw sitting in that tree....lol

 

I just received this letter from Cabot:

 

"

Dear xxxxx
Information under the Consumer Credit Act 1974
Please find enclosed all of the relevant information following your request for
information under section [77-78] of the Consumer Credit Act 1974.

In the event that we have provided a reconstituted true copy of your credit
agreement, for the avoidance of doubt this complies with the Consumer Credit
(Cancellation Notices and Copies of Documents) Regulations 1983 and
therefore complies with the obligations set out in section 77-78 of the Consumer
Credit Act 1974.

What happens next?

We consider that the agreement is now enforceable and therefore we are
entitled to obtain a County Court Judgment against you. However, we would
prefer that you work with us to sat up a repayment plan to settle your
outstanding balance.

The status of your account
The outstanding balance is currently £2,325.14.

 

Please make contact with Mortimer Clarke Solicitors on 0333 121 4454 as soon as possible to discuss the
options available for this account.
If you have any queries, please do not hesitate to contact us."

 

There is then pages and pages of what looks like those agreements you need to accept when installing something on a computer.

 

 

All those pages end with a page that says " signature of customer" and just has a box with a tick in it.

Also please ignore any spelling mistakes in the letter as I'm using an ice scanner and it's not the best.

Edited August 17, 2021 by dx100uk
unnecessary previous post quote removed

[dx100uk]

Need to see all the pages as jpg pix in one mass pdf please

No good telling us

Read upload carefully

 

Dx

[DontLetThemDoIt]

Ok I'll try and put it all together tomorrow.

 

So do you think they will be able to un-stay it or would that be difficult for them as they still didn't comply with the requests in time?

Edited August 17, 2021 by dx100uk
unnecessary previous post quote removed

[AndyOrch]

Not difficult at all...out of time to comply with your requests are irrelevant....the claimant simply makes application with fee (£100) and attaches a statement to its application as to why they are now making application to lift the stay. The court will inform you if such application is made and copy you in.

 

Andy