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Completely understandable and often the way... hopefully you can help him see this isn't a reason to sink under again xxx
A court isn't going to order he pay any more than is affordable, and even if he got an attachment of earnings against him, it isn't the end of the world and there's strict rules on what can be taken, and it is again set by the court.
So a Subject access Request to NRAM is a very good idea to find out what happened to the debt. Potentially it might be an idea to get the info off of his building society regarding the repossession too ( again just a standard Subject Access Request ) - so he knows what went on and where he stands. He can just obtain the info and you can have a look through it if he doesn't want to face it all again, but it might be an idea to check he's not going to have other issues to deal with as we get near 12 years ( mortgage shortfall debt for example has a 12 year limitation period )
It may be that NRAM actually obtained the judgment originally and then sold it on to Marlin in 2013. If so the Judgment should have been amended too, which I suspect hasn't been done, so Mortimer Clarke would have to evidence the sale and apply to amend the judgment holder as well as asking for permission to apply to enforce the debt after 10 years.
They have a long way to go and he can deal with it
xx
A court isn't going to order he pay any more than is affordable, and even if he got an attachment of earnings against him, it isn't the end of the world and there's strict rules on what can be taken, and it is again set by the court.
So a Subject access Request to NRAM is a very good idea to find out what happened to the debt. Potentially it might be an idea to get the info off of his building society regarding the repossession too ( again just a standard Subject Access Request ) - so he knows what went on and where he stands. He can just obtain the info and you can have a look through it if he doesn't want to face it all again, but it might be an idea to check he's not going to have other issues to deal with as we get near 12 years ( mortgage shortfall debt for example has a 12 year limitation period )
It may be that NRAM actually obtained the judgment originally and then sold it on to Marlin in 2013. If so the Judgment should have been amended too, which I suspect hasn't been done, so Mortimer Clarke would have to evidence the sale and apply to amend the judgment holder as well as asking for permission to apply to enforce the debt after 10 years.
They have a long way to go and he can deal with it
xx
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