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To cut short a long story, I have made an lower full & final settlement offer to Mortimer Clarke for an old credit card debt, via email, they haven't replied to me for months, and I have sent 2 chase emails. How long do they have to reply to me? And why would they stop replying all of a sudden?
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Is this to do with the account Cabot have that you posted about in another thread?
Did you ever send a CCA request?
How did you phrase your letters, were they headed without prejudice ?
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In answer to you questions, it may be because MC are no longer dealing with it or it maybe they do not accept official communication via email. I know when I have sent letters by email to other firms they have come back wanting name address DOB, Inside leg measurement, what I had for tea last night...you get the pictureComment
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Yes it is the same claim. CB have passed it to MC, MC sent me a pre action letter, I replied saying I needed more detail, then send a copy of the original agreement. I made a partial settlement offer, they replied saying no, I sent another, they haven't replied almost 3 months later. I am getting calls all the time, but no reply to my emails. The account is still with them as far as I know as I can still log into my account online with them. I mean what more can I do? I am worried they are just going to take it to court now and not reply.... can they do that?Comment
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When you made the offers, how did you head the letters- did you use the phrase without prejudice ?
However, if they issue a court claim you can still use mediation to agree at settlement which would leave you without a ccj
Do you want Kati to merge the threads so people can read it allComment
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
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If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
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Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
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