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  • Mortimer Clarke

    AAD user name - Sezzalenny

    Amount of Debt - 5313

    Creditor - Cabot Financial UK LTD

    Legal - Mortimer Clark Solicitors

    Letter of claim details dated 13.04.2018

    No action taken as yet
    Last edited by sezzalenny; 21st May 2018, 13:45.

  • #2
    Hi

    On your diary thread, in response to a question, you said that the current creditor is Cabot Financial UK Ltd. I don't want to appear pedantic, but this tiny detail may be important in the longer term.

    Comment


    • #3
      thank you :0)

      Comment


      • #4
        Originally posted by sezzalenny View Post
        AAD user name - Sezzalenny

        Amount of Debt - 5313

        Creditor - Cabot Financial UK LTD

        Legal - Mortimer Clark Solicitors

        Letter of claim details dated 13.04.2017

        No action taken as yet

        I can see from a new post on your Diary thread that Cabot have written to tell you that they cannot comply with your s 77-79 CCA Request.

        They may have told Mortimer Clarke solicitors the same, or they may not have told them.

        This matters because you say you've received a Letter Before Claim dated 13th April (2018 not 2017 I presume?) where the deadline (30 days) will have now expired.

        Have you responded to that LBC?

        Di
        Legal Disclaimer

        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

        Comment


        • #5
          Yes sorry my mistake. - 2018.

          I returned the form just before the 30 days and ticked the box for incomplete information - I haven't heard any more as yet.

          Thank you,

          Comment


          • #6
            Originally posted by sezzalenny View Post
            I returned the form just before the 30 days and ticked the box for incomplete information

            Do you mean you ticked Box C and asked for further information?

            Di
            Legal Disclaimer

            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

            Comment


            • #7
              It was box I - I need more information or documents. I stated CCA

              Comment


              • #8
                I'm sorry to jump on your post but I'm unsure how to start a new one. I had a Tesco credit card taken out in 2001 defaulted, no longer on my credit file and today I have just received a CCJ form from Mortimer solicitors. Any advice would be really appreciated

                Comment


                • #9
                  Originally posted by floppy29 View Post
                  I'm sorry to jump on your post but I'm unsure how to start a new one. I had a Tesco credit card taken out in 2001 defaulted, no longer on my credit file and today I have just received a CCJ form from Mortimer solicitors. Any advice would be really appreciated

                  Hello floppy

                  I've posted on your other thread here > https://www.all-about-debt.co.uk/for...-and-clark-ccj

                  Di
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                  Comment


                  • #10
                    Letter received from Mortimer Clarke with a Notice of Assignment - we will deal with your document request and come back to you asap. Account is being placed on hold and there will be no further action at this time

                    Comment


                    • #11
                      Hi
                      Should you receive a claim. and i do mean IF - It will be worth your while I think if you talk to Diana - you said the claimant is Cabot Financial (uk) ltd?

                      Hopefully they will be unable to produce the cca requests as has been the case with at least two of my accounts

                      Comment


                      • #12
                        Originally posted by sezzalenny View Post
                        Letter received from Mortimer Clarke with a Notice of Assignment - we will deal with your document request and come back to you asap. Account is being placed on hold and there will be no further action at this time
                        Good, so now youíll have to hold your breath while Cabot either source the credit agreement from Tesco, or gather enough information to reconstitute one.

                        You can send your Subject Access Request to Tesco next week to see what information and documents they have on file. Youíll need that to compare notes if/when Cabot or Mortimer Clarke produce something.

                        Di
                        Legal Disclaimer

                        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                        Comment


                        • #13
                          Received a reply from Tesco dated 17th July. Basically saying, youíve requested information but your information doesnít match our records. Please send relevant previous addresses and correct signature

                          Comment


                          • #14
                            Originally posted by sezzalenny View Post
                            Received a reply from Tesco dated 17th July. Basically saying, youíve requested information but your information doesnít match our records. Please send relevant previous addresses and correct signature
                            As Cabot have apparently not yet sourced a copy agreement from Tesco, I think I would be wary of providing Tesco with a sample of your signature at this time, or indeed address history.

                            How did you sign the SAR request?

                            Comment


                            • #15
                              Was this a SAR or a Cca request ?

                              Comment

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