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Hello all,
Im brand new here. Hoping you can help me?
I have had a DMP in place for a good few years. Last week I received a CCJ letter from Morton Clarke Solicitors for a debt that I understood to be part of the DMO. Upon further discussion, it turns out this debt was not included in the original DMP. I had received but letters re
payment, but I haven't been very well, so I hadn't quite grasped the severity.
Anyway, I called both the solicitors and Cabot Financial and neither are very helpful. I am not denying that I owe this money, I am just asking to enter into a payment arrangement. Morton Clarke wouldn't allow the arrangement, and said they could offer me a 20% discount if I paid in full, and Cabot said it was too late as the debt had been sold on.
Ive followed your advice in the help section, and I have also contested the validly of Mortimer Clarke issuing CCJs on behalf ofCabot Financial (UK) as they are not licenced.
I just wondered if there is anything else I can do? I don't dispute owing the money, I just want the opportunity to pay in instalments.
Received a claim? Yes/No: Yes
Issue Date: 14th Aug
Have you Acknowledged the Claim?: Yes, asked for extended time
Total Amount Claimed: £820.43 (£690.43 plus costs)
Claimant’s Name: Cabot Financial (UK) Limited
Solicitors Firm:Mortimer Clarke
Original Creditor: Capital One
Original Debt (eg. Credit card/Loan/Overdraft) :Credit Card
Particulars of Claim: Please type out in full excluding names/account numbers:By an agreement between Capital One bank (Europe) PLC & the defendant on or around 16/07/2014 ('the agreement') capital one bank (Europe) PLC agreed to issue the defendent with a credit card. The defendant failed to make the minimum payment due & the agreement was terminated. The agreement was assigned to the claimant. The claimant therefore claims £690.43
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ) CCA and CPR. Also emails re Cabot Financial services not having a licence.
Any Other Information or Background Details:as above
Thankyou in advance
Im brand new here. Hoping you can help me?
I have had a DMP in place for a good few years. Last week I received a CCJ letter from Morton Clarke Solicitors for a debt that I understood to be part of the DMO. Upon further discussion, it turns out this debt was not included in the original DMP. I had received but letters re
payment, but I haven't been very well, so I hadn't quite grasped the severity.
Anyway, I called both the solicitors and Cabot Financial and neither are very helpful. I am not denying that I owe this money, I am just asking to enter into a payment arrangement. Morton Clarke wouldn't allow the arrangement, and said they could offer me a 20% discount if I paid in full, and Cabot said it was too late as the debt had been sold on.
Ive followed your advice in the help section, and I have also contested the validly of Mortimer Clarke issuing CCJs on behalf ofCabot Financial (UK) as they are not licenced.
I just wondered if there is anything else I can do? I don't dispute owing the money, I just want the opportunity to pay in instalments.
Received a claim? Yes/No: Yes
Issue Date: 14th Aug
Have you Acknowledged the Claim?: Yes, asked for extended time
Total Amount Claimed: £820.43 (£690.43 plus costs)
Claimant’s Name: Cabot Financial (UK) Limited
Solicitors Firm:Mortimer Clarke
Original Creditor: Capital One
Original Debt (eg. Credit card/Loan/Overdraft) :Credit Card
Particulars of Claim: Please type out in full excluding names/account numbers:By an agreement between Capital One bank (Europe) PLC & the defendant on or around 16/07/2014 ('the agreement') capital one bank (Europe) PLC agreed to issue the defendent with a credit card. The defendant failed to make the minimum payment due & the agreement was terminated. The agreement was assigned to the claimant. The claimant therefore claims £690.43
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ) CCA and CPR. Also emails re Cabot Financial services not having a licence.
Any Other Information or Background Details:as above
Thankyou in advance
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