County Court Claim - Cabot Financial / Mortimer Clarke Solicitors

[Amethyst]

That's a no xx Have a lovely ( sunny ) Easter weekend too xxxxx

[Jellard86]

Hi Guys. So I haven't heard anything back regarding my defence other then a letter acknowledging that they have received the defence and it is on hold their end. What happens now? Newday (Aqua) have sent the SAR documents. Thanks

[Jellard86]

Amethyst - I still have not had anything other then the above, do I just wait?

[Amethyst]

Anything interesting in the SAR ? ( default notice : agreement etc ?)

You could give court a ring after the month from filing your defence is up to see if they have heard back from the claimant and check the status of the case.

[Jellard86]

Hi Amethyst Sorry for the delay, I received last week a letter from Cabot Financial stating,

"We have been unable to get the information requested from the original lender. If this information ever becomes available to us we will complete your request, but until we are able to supply this your account is unenforceable. This means we are not permitted to obtain a judgement or decree against you in Court, but we can still request that you repay your outstanding balance. We will still try to contact you to help you repay this outstanding balance. If this account is on your credit file it can affect your ability to get credit, obtain a mortgage or a mobile phone contract. Repaying this account could have a positive effect on your credit file as it will show that you are making regular payments. We would like to talk to you about a Personal Payment Plan where you can arrange to repay your account at a rate that you can afford. For more information on what could happen now that we've been unable to reply to your CCA request there is further information available on the National Debtline website on their 'Credit agreements - getting information' factsheet."

What are the next steps now? Should they have advised the court of this and this claim should now be closed? If I repay could they still give me a CCJ or is that now not possible?

Thanks