Originally posted by Rumandcoke
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Do not get distracted by Mortimer Clarke solicitors' letter. If they produce documents then post on your thread.
The POC state that the account was opened in May 2012. Is that right? If so the s.78 CCA request may not be massively helpful but at least it will flush out any contract/agreement they say you signed.
You've said the account was long ago and you haven't paid or acknowledged the debt for ages either, but if it only opened in 2012 it won't be statute barred.
Di
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