Announcement

Collapse
No announcement yet.

Mortimer and Clark CCJ

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Mortimer and Clark CCJ

    Please help I defaulted on a Tesco credit card with I took out in 2001 . This is not even on my credit file anymore. Today I have recieved CCJ papers . What can I do

  • #2
    Originally posted by floppy29 View Post
    Please help I defaulted on a Tesco credit card with I took out in 2001 . This is not even on my credit file anymore. Today I have recieved CCJ papers . What can I do

    If Mortimer Clarke are the solicitors (your thread title) would I be correct in thinking that Cabot now own the debt and they are the Claimant?

    Have you ever sent a s 77 - 79 CCA Request to the current owner, because that may be the next step once I know a little bit more about the claim.

    When was the last time you paid anything towards this old Tesco credit card? If it's not showing on your credit file that should mean it was defaulted more than six years ago because the whole file would be removed from the CRA files six years to the day it was added. But could you have made payments after it was defaulted through a Debt Collection Agency or via DMP

    Di
    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 0151 254 6986. Our initial advice is always free.

    Any posts I make on the All About Debt 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


    • #3
      When you say you have received CCJ papers? was this just out of the blue or have you had contact about this account since 2001
      To be able to help we need a bit of information on what has happened since then
      Who was it passed to to collect? Has it been sold? who is the owner of the account Now? is there a link to this account on a diary on here?
      May I suggest you contact Diana Mayhew, you can PM her by clicking on her account link or email her at. di@joannaconnollysolicitors.co.uk
      she will be able to point you in the right direction

      OK Di was on the ball x
      Last edited by nightwatch; 23rd May 2018, 15:28. Reason: Sorry Di beat me to it xx
      I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username or send me an email direct: nightwatch@all-about-debt.co.uk

      Comment


      • #4
        Originally posted by nightwatch View Post
        May I suggest you contact Diana Mayhew, you can PM her by clicking on her account link or email her at. di@joannaconnollysolicitors.co.uk
        she will be able to point you in the right direction

        OK Di was on the ball x



        Di


        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 0151 254 6986. Our initial advice is always free.

        Any posts I make on the All About Debt 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 I think Cabot do own the debt now by looking at the paper work, and yes the are the claiment. I haven't paid anything against this card for 6-7 years it was removed from my file about 7-12 months ago. Thank you for your quick response it's really appreciated. I have had no contact with Cabot apart from the letter I uploaded which it dated from March, then today I received the CCJ paperwork.

          Comment


          • #6
            I have uploaded a copy of the credit agreement that came with the letter in march

            Comment


            • #7
              Originally posted by floppy29 View Post
              I have uploaded a copy of the credit agreement that came with the letter in march

              I wouldn't upload any documents on the forum in order to protect your identity, but I'm happy to take a look at them for you. My email address is in my signature.

              Di
              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 0151 254 6986. Our initial advice is always free.

              Any posts I make on the All About Debt 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


              • #8
                Originally posted by floppy29 View Post
                I haven't paid anything against this card for 6-7 years it was removed from my file about 7-12 months ago.

                Then there's hope it may be Statute Barred depending on when it was defaulted and/or whether you unwittingly acknowledged the debt somehow afterwards.


                Di
                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 0151 254 6986. Our initial advice is always free.

                Any posts I make on the All About Debt 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


                • #9
                  I have emailed you.

                  Comment


                  • #10
                    Originally posted by floppy29 View Post
                    I have emailed you.

                    And I've replied

                    You have 19 days from the claim Issue Date to file your Acknowledgement of Service stating that you intend to defend all of the claim. And then you have 33 days from the claim Issue Date to file your Defence.

                    You're at the research stage at the moment so a Subject Access Request to Tesco to get the full history of the account will be your next step. It will be free from Friday (no more 10) so wait until then.

                    Di
                    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 0151 254 6986. Our initial advice is always free.

                    Any posts I make on the All About Debt 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

                    Working...
                    X