Court threat from Cabot/Mortimer Clarke Solicitors

[sara2]

Hi all,

I have revived this letter out of the blue. I have sent CCA request when I first started in this forum but I didnt get anything, and it has been passed around debt collectors. I have moved address but I received this now. Do I send CCA request now? and to who? vanquis or cabot or mortimer?

Thank you in advance

[Never-In-Doubt]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

Has a claim been issued or just that letter?

[sara2]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

Has a claim been issued or just that letter?

Hi,
Just this letter so far. Thanks

[PlanB]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

What's the date on that letter - it's not showing.

What does the second page say - you've only posted up the first page.

We need to see whether it's a formal Letter Before Action (with a deadline) or an introductory scare letter. Either way it needs a reply which we can't suggest until we have your answers.

How much is the debt?

Also give us a bit of history of this account please.

Plan B x

[sara2]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

What's the date on that letter - it's not showing.

What does the second page say - you've only posted up the first page.

We need to see whether it's a formal Letter Before Action (with a deadline) or an introductory scare letter. Either way it needs a reply which we can't suggest until we have your answers.

How much is the debt?

Also give us a bit of history of this account please.

Plan B x

Thank you, the date is 14/05 I just noticed the date now, and I am now scared. Our letters are in communal area with two other flats, and sometimes, the letters slip behind the counter, It happened before or I think sometimes neighbors pick it up by mistake, and then put it back, Theses are the rest of the letter

[sara2]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

Also below the status of the debt. Although they are now asking for £1800 I haven't paid in more than two years, I have sent CCA but that was ignored, and I did ignore my debts for a while, and moved address. This the first time I heard of them

• Type of account- Credit card
• Date commenced-2008
• Approx balance- 1500
• Date last paid- 1/11/2012
• Are you on arrangement or not paying- not paying
• Status- in arrears
• Account- owner Vanquis

After a day of missed payment, they have been calling me from 5 different numbers so far, all blocked!

13/12/12 CCA sent

[PlanB]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

the date is 14/05 I just noticed the date now, and I am now scared.

You've no need to be scared. It's a letter not a man-eating shark!

It reads like an LBA to me and it comes from a solicitor. It says you must reply within 14 days from the date of the letter which was 14th May, so they're expecting a reply from you by the 28th May.

It then says "if you do not contact us proceedings will be started."

I can't say whether they are bluffing or not, but knowing their reputation I think they may mean business.

In which case it would be wise to send our LBA Response letter to Mortimer Clarke solicitors asap i.e this afternoon if you can by recorded delivery.

We don't know anything about the history of this debt or what you have received from or replied to Cabot in the past.

If you have not already done so then I would think sending a CCA request would be sensible. That should go to Cabot with a copy to Mortimer Clarke so they know it's outstanding.

Plan B x

[PlanB]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

I have sent CCA but that was ignored

When did you last send a CCA request and exactly what response did you get?

This matters because our LBA response letter refers to any previously sent CCA request.

Was your CCA request "ignored" as in 'no acknowledgement at all' or did they (Cabot?) write to say they couldn't come up with the documents? Have you kept a copy of that CCA request with any proof of posting?

When was this Vanquis account opened?

Plan B x

[sara2]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

When did you last send a CCA request and exactly what response did you get?

This matters because our LBA response letter refers to any previously sent CCA request.

Was your CCA request "ignored" as in 'no acknowledgement at all' or did they (Cabot?) write to say they couldn't come up with the documents? Have you kept a copy of that CCA request with any proof of posting?

When was this Vanquis account opened?

Plan B x

Thanks Plan B for your reply, to be honest as I moved the paper is somewhere but I didn't send anything to Cabot it was Vanquis, and I don't remember receiving anything but can't be sure. but was sent on 13/12/12.

[PlanB]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

I've had a look back through your diary and can see the first and last post you made about this debt was in December 2012 with no updates since which is why I'm asking you all these questions, so sorry if I appear nosey

http://forums.all-about-debt.co.uk/s...l=1#post267120

What I can see is the account was opened in 2008 which means it's unlikely to be "UE" due to CCA request non compliance or errors etc but there may still be flaws which you can use to your advantage if you are issued with a claim. Right now you haven't been so let's try to keep it that way.

Get that LBA response letter sent off to Mortimer Clarke solicitors asap and send a CCA request to Cabot who may not have a clue when the account was opened.

Plan B x

[sara2]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

Thanks Plan B, I will send it today

[Deepie]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

Thanks Plan B, I will send it today

asap......

[sara2]

Re: Court threat from Cabot/Mortimer Clarke Solicitors

Thank you guys, I have sent it yesterday, special delivery, and the CCA signed for delivery.