Meepatme Diary - Start of the long path

[Colin G Quinn]

Hi Meepatme,

No problem, it was a pleasure working with you and a great result. Thanks for instructing Joanna Connolly Solicitors.

Kind regards,

[PlanB]

Mortimer Clarke discontinued court proceeding after what seems like 6 months. Well done to Jo/Di/Colin and the team once again.

You're welcome

I see it as a privilege to be able to help people in debt through no fault of their own.

You won and Cabot lost - a Discontinuance is a *WIN* in my book.

Di

[nightwatch]

well done to all the team xx

[Meepatme]

Don't let the bad guys win

[Meepatme]

Mortimer Clarke discontinued court proceeding after what seems like 6 months. Well done to Jo/Di/Colin and the team once again. 42k Debts pretty much now 0. Have to sit tight for 2 years for Statute Barred but jobs pretty much done .

[Meepatme]

Indeed last two with Mortimer Clarke. I suspect the active one in claims will be defeated, then there dare not take the other to court i suspect.

R

[Joanna Connolly Solicitors]

Just updating record for 2021 belated 2021 guys.

From 42k debts now sitting at around 10k on the books open for 2 HSBC debts both with Mortimer Clarke one pending actions waiting for another win .

Hoping to end this journey in 2021 .

Hold out, 3 official years for my golden 6 years.

You've reached the halfway mark for the debts to become Statute Barred, but you may not have to wait another three years to be free of this situation if everything goes according to plan

(I've read through your recent post updates at the start of this thread.)

Di

[Meepatme]

Just updating record for 2021 belated 2021 guys.

From 42k debts now sitting at around 10k on the books open for 2 HSBC debts both with Mortimer Clarke one pending actions waiting for another win .

Hoping to end this journey in 2021 .

Best tips change your mobile number if they have your mobile. For my LandLine SkyShield blocked all of that lovely calls. Hold out, 3 official years for my golden 6 years.

Hold the faith

R

[Meepatme]

Hi Di,

No formal court paperwork yet. Its against the current account, but they do have the current and loan. The letters at this stage are contact us within 30 days.

So I guess 6 weeks before they issue a court claim if they are going that far.

R

[Joanna Connolly Solicitors]

They have two HSBC accounts one a loan and another a current account. I had my first letter from Mortimer Clarke for one of the accounts. Asking for me to get in-touch in 30 days. I assume they be sending the same letter for the other account also. I assume therefore in 30-60 days they may raise papers for court action. We will see. Could well be another case coming your way Di therefore after.

Was that letter from Mortimer Clarke a formal Letter of Claim? If so email it to me.

Was it for the HSBC loan or current account overdraft?

Your previous claim from Hoist was won, so let's get the paperwork for these debts together now in case Cabot Financial (UK) Ltd decide to issue on these ones.

Di

[Meepatme]

They have two HSBC accounts one a loan and another a current account. I had my first letter from Mortimer Clarke for one of the accounts. Asking for me to get in-touch in 30 days. I assume they be sending the same letter for the other account also. I assume therefore in 30-60 days they may raise papers for court action. We will see. Could well be another case coming your way Di therefore after.

R

[Meepatme]

Hi Di,

There doing a count down to when they pass to there legal team 14 days to go said the last test.

Yes its Cabot Financial (UK) but yes it looks like they gearing up to have a go at the two accounts, loan and current account.

[Joanna Connolly Solicitors]

HSBC LOAN

• Type of account (credit card/loan): Loan
• Date commenced (ideally before Apr 2007) 10/11/2014
• Approx balance:£4700
• Date last paid (approximate date you last made a FULL payment) July 2017
• Are you on arrangement or not paying Not Paying
• Status (default/in arrears/up-to-date) Up-to-Date
• Account owner (who is writing to you, a DCA or the lender)Lender

. . .

15/08/2017 Phone call from HSBC Financial Management team on mobile did not answer.
17/08/2017 CCA sent recorded delivery (forum copy)
01/01/2020 moved to cabot
19/03/2020 letter warning may move to solcitors

Did Cabot carry out their threat to instruct solicitors last month?

I can see you sent a CCA Request in August 2017 but I can't see what response you received from HSBC (if any).

My apologies if that's posted elsewhere on your thread.

Was the account assigned to Cabot Financial (UK) Ltd which is not authorised by the FCA to issue legal proceedings ?

Di

[Meepatme]

Warning letters from cabot this week. Updated page 1 with latest infos also:

SAINSBURYS BANK LOANS
Type of account (credit card/loan): Loan
Date commenced (ideally before Apr 2007) 06/09/2015
Approx balance:£21700
Date last paid (approximate date you last made a FULL payment) July 2017
Are you on arrangement or not paying Not Paying
Status (default/in arrears/up-to-date) Up-to-Date
Account owner (who is writing to you, a DCA or the lender)Lender
11/08/2017 DD cancelled, letter sent:My circumstances have changed considerably, resulting in I cannot now afford the agreed monthly payments due to debts spiralling out of control my outgoing are now far higher than my income.I have been speaking to Step Change at length regarding my situation reference number xxxx and I intend to enter into a DMP in December 2017. If interest or other charges are being added to the account, I'd be grateful if you would freeze these so that the debt does not increase. If the interest can freeze it would certainly help these very stressful times.Should my circumstances improve, I will contact you immediately. Expect to hear from Step Change in November regarding the December DMP. If you could please address any communications going forward in letter format ONLY. As this is affecting me emotionally with the stress of debt and challenging times ahead.Thank you for your assistance, I look forward to hearing from you as soon as possible.
17/08/2017 CCA sent recorded delivery (forum copy)
22/08/2017 letter received acknowledging CCA copy enclosed in thread.
25/08/2017 Appears to be just statement. Enclosed copy on thread. No agreement assume sending separate.
30/08/2017 Letter received with agreement on copy. Appears to be valid copy will send here for to see whats what
30/08/2017 Niddy confirms enforceable too new
06/09/2017 Annual Loan Statement received today assume part of the cca request. Will file and wait
13/03/2020 Moved to intrum intrsting balance has dropped by 1k.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
16th August 2017, 16:27
HSBC LOAN
Type of account (credit card/loan): Loan
Date commenced (ideally before Apr 2007) 10/11/2014
Approx balance:£4700
Date last paid (approximate date you last made a FULL payment) July 2017
Are you on arrangement or not paying Not Paying
Status (default/in arrears/up-to-date) Up-to-Date
Account owner (who is writing to you, a DCA or the lender)Lender
11/08/2017 DD cancelled, letter sent:My circumstances have changed considerably, resulting in I cannot now afford the agreed monthly payments due to debts spiralling out of control my outgoing are now far higher than my income.I have been speaking to Step Change at length regarding my situation reference number xxxx and I intend to enter into a DMP in December 2017. If interest or other charges are being added to the account, I'd be grateful if you would freeze these so that the debt does not increase. If the interest can freeze it would certainly help these very stressful times.Should my circumstances improve, I will contact you immediately. Expect to hear from Step Change in November regarding the December DMP. If you could please address any communications going forward in letter format ONLY. As this is affecting me emotionally with the stress of debt and challenging times ahead.Thank you for your assistance, I look forward to hearing from you as soon as possible.
15/08/2017 Phone call from HSBC Financial Management team on mobile did not answer.
17/08/2017 CCA sent recorded delivery (forum copy)
01/01/2020 moved to cabot
19/03/2020 letter warning may move to solcitors
Last edited by Meepatme; 23rd March 2020, 17:15.
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[Meepatme]

Thanks yes thats the one.