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Mortimer Clarke - letter before court claim

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  • Mortimer Clarke - letter before court claim

    Hi all!

    I have received a letter demanding money for a very old loan or they will issue a claim against me. can anyone advise the best way to deal with this?
    Tags: None

  • #2
    Re: Mortimer Clarke - letter before court claim

    I can't even find this account on my noddle - does this mean it is statue barred?

    Comment


    • #3
      Re: Mortimer Clarke - letter before court claim

      Hi helpmeplease123 & welcome to LB

      Originally posted by helpmeplease123 View Post
      Hi all!

      I have received a letter demanding money for a very old loan or they will issue a claim against me. can anyone advise the best way to deal with this?
      How old is the loan, is it regulated by the Consumer Credit Act & when did you pay into the account or acknowledge it in writing?

      Originally posted by helpmeplease123 View Post
      I can't even find this account on my noddle - does this mean it is statue barred?
      Not necessarily; it might just mean it hasn't been reported, or that it is reported via another credit reference agency.
      CAVEAT LECTOR

      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

      You and I do not see things as they are. We see things as we are.
      Cohen, Herb


      There is danger when a man throws his tongue into high gear before he
      gets his brain a-going.
      Phelps, C. C.


      "They couldn't hit an elephant at this distance!"
      The last words of John Sedgwick

      Comment


      • #4
        Re: Mortimer Clarke - letter before court claim

        Hi!

        Thank you for your reply.

        In all all honesty I have no idea. I stopped paying it around 2008 - it is with welcome finance for £960. I don't even know where to find any information on it. It's been a long time since it has been acknowledged, I don't believe I have acknowledged it since then.

        Comment


        • #5
          Re: Mortimer Clarke - letter before court claim

          Originally posted by helpmeplease123 View Post
          Hi!

          Thank you for your reply.

          In all all honesty I have no idea. I stopped paying it around 2008 - it is with welcome finance for £960. I don't even know where to find any information on it. It's been a long time since it has been acknowledged, I don't believe I have acknowledged it since then.
          Imho, reply with an SB letter. (Credit to @Debt Camel for the info).
          http://debtcamel.co.uk/statute-barred-debt/
          CAVEAT LECTOR

          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

          You and I do not see things as they are. We see things as we are.
          Cohen, Herb


          There is danger when a man throws his tongue into high gear before he
          gets his brain a-going.
          Phelps, C. C.


          "They couldn't hit an elephant at this distance!"
          The last words of John Sedgwick

          Comment


          • #6
            Re: Mortimer Clarke - letter before court claim

            Originally posted by charitynjw View Post
            Imho, reply with an SB letter. (Credit to @Debt Camel for the info).
            http://debtcamel.co.uk/statute-barred-debt/
            Send the 'prove it' letter to the solicitors? Thanks again

            Comment


            • #7
              Re: Mortimer Clarke - letter before court claim

              Or just go
              for the full SB letter?

              Is email sufficient? I might be running out of time to reply.

              Comment


              • #8
                Re: Mortimer Clarke - letter before court claim

                Originally posted by helpmeplease123 View Post
                Send the 'prove it' letter to the solicitors? Thanks again
                The 'prove it' letter is more general.
                http://debtcamel.co.uk/prove-it/
                CAVEAT LECTOR

                This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                You and I do not see things as they are. We see things as we are.
                Cohen, Herb


                There is danger when a man throws his tongue into high gear before he
                gets his brain a-going.
                Phelps, C. C.


                "They couldn't hit an elephant at this distance!"
                The last words of John Sedgwick

                Comment


                • #9
                  Re: Mortimer Clarke - letter before court claim

                  Originally posted by helpmeplease123 View Post
                  Send the 'prove it' letter to the solicitors? Thanks again
                  I would send the claimant a request for copy of the Welcome agreement. (CCA request) there's a template in the green box above.

                  You need a £1 postal order "marked for statutory fee only" send it by signed for post .

                  This is a backup to your SB statement.

                  nem

                  nem

                  Comment


                  • #10
                    Re: Mortimer Clarke - letter before court claim

                    Originally posted by charitynjw View Post
                    The 'prove it' letter is more general.
                    http://debtcamel.co.uk/prove-it/
                    Can I send this via email? I think I will miss the deadline if I do it via post

                    thanks again for your help

                    - - - Updated - - -

                    Originally posted by nemesis45 View Post
                    I would send the claimant a request for copy of the Welcome agreement. (CCA request) there's a template in the green box above.

                    You need a £1 postal order "marked for statutory fee only" send it by signed for post .

                    This is a backup to your SB statement.

                    nem

                    nem
                    Thanks I shall do this too

                    Comment


                    • #11
                      Re: Mortimer Clarke - letter before court claim

                      Lol!

                      You will be sending 2 letters to the same people.

                      So.........

                      CAVEAT LECTOR

                      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                      You and I do not see things as they are. We see things as we are.
                      Cohen, Herb


                      There is danger when a man throws his tongue into high gear before he
                      gets his brain a-going.
                      Phelps, C. C.


                      "They couldn't hit an elephant at this distance!"
                      The last words of John Sedgwick

                      Comment


                      • #12
                        Re: Mortimer Clarke - letter before court claim

                        Originally posted by charitynjw View Post
                        Lol!

                        You will be sending 2 letters to the same people.

                        So.........

                        Ok I'm lost! What letters am I sending to who?

                        Comment


                        • #13
                          Re: Mortimer Clarke - letter before court claim

                          A CCA request & either a 'prove it' or a SB letter. ( I would simply instruct them to inform their legal representative, MC, in both letters, re the contents).
                          CAVEAT LECTOR

                          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                          You and I do not see things as they are. We see things as we are.
                          Cohen, Herb


                          There is danger when a man throws his tongue into high gear before he
                          gets his brain a-going.
                          Phelps, C. C.


                          "They couldn't hit an elephant at this distance!"
                          The last words of John Sedgwick

                          Comment


                          • #14
                            Re: Mortimer Clarke - letter before court claim

                            Originally posted by charitynjw View Post
                            A CCA request & either a 'prove it' or a SB letter. ( I would simply instruct them to inform their legal representative, MC, in both letters, re the contents).
                            Ok so I sent a CAA request and a prove it letter to ME III (who has bought the debt) and they can deal with MC?

                            sorry if I'm just rerepeating you - I just want to get it right!

                            Comment


                            • #15
                              Re: Mortimer Clarke - letter before court claim

                              As things stand at the moment (as there is no actual court claim issued yet), I personally would view MC's current status as a debt collection agent acting on behalf of the alleged owner of the alleged debt.
                              In such circumstances I would want to deal with the engineer, not the oily rag.
                              However, you could copy in MC with CC's of both letters (but without the £1 fee for the CCA request) if you would prefer 'belt & braces'. A covering letter - 'Please find enclosed copies of a CCA request, & a statute-barred letter, sent to your client on (date)' would be ok.
                              CAVEAT LECTOR

                              This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                              You and I do not see things as they are. We see things as we are.
                              Cohen, Herb


                              There is danger when a man throws his tongue into high gear before he
                              gets his brain a-going.
                              Phelps, C. C.


                              "They couldn't hit an elephant at this distance!"
                              The last words of John Sedgwick

                              Comment

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