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Hi All I did post about this before finding this thread*
long story short my partner & I lost our jobs just before our wedding in 2012*
we continued to make payments till December on our credits cards till we ran out of savings*
fast forward to 2018 & I start getting letters about a dept. I though I had payed off over the last 5 years or so (we payed everyone else off over this time)
I ignored the letters after a quick google saying the company are scammers EG: Cabot finance*
I get a court letter in August 2018 re this debt I reply saying its status bared & they had 6 years to contact me (I thought I had last paid them in August 2012)*
in May 2019 my Husband died suddenly after a long illness after a few months I pay off all my debts with my inheritance
*
now December 2019 I get a letter from Mortimer clart saying they have evidence of my last payment of 03/06/2013 and that because I applied for a new credit card with Vanquish in 2018 I acknowledged this debt from 2012 & they will take me back to court if I don't pay*
I reply asking for evidence of this payment as its not a payment its a charge on the credit card of 0.49p from EVANQUIS
Saturday I got a letter*
Now Today I spoke to the court they said the case is Stayed as MC didn't reply within the 28 days (Back in September 2018)
& they can apply to reopen the case or I can apply to close it*
I have found a letter from MC dated 11-09-2018 that they have evidence that my last payment was on the 03-12-12 and there for not statute barred*
this was within the 28 days &*
*
long story short my partner & I lost our jobs just before our wedding in 2012*
we continued to make payments till December on our credits cards till we ran out of savings*
fast forward to 2018 & I start getting letters about a dept. I though I had payed off over the last 5 years or so (we payed everyone else off over this time)
I ignored the letters after a quick google saying the company are scammers EG: Cabot finance*
I get a court letter in August 2018 re this debt I reply saying its status bared & they had 6 years to contact me (I thought I had last paid them in August 2012)*
in May 2019 my Husband died suddenly after a long illness after a few months I pay off all my debts with my inheritance
*
now December 2019 I get a letter from Mortimer clart saying they have evidence of my last payment of 03/06/2013 and that because I applied for a new credit card with Vanquish in 2018 I acknowledged this debt from 2012 & they will take me back to court if I don't pay*
I reply asking for evidence of this payment as its not a payment its a charge on the credit card of 0.49p from EVANQUIS
Saturday I got a letter*
not acknowledging my last letter*at all saying that if I don't pay they will lift the stay on the proceedings and request a judgment*
Now Today I spoke to the court they said the case is Stayed as MC didn't reply within the 28 days (Back in September 2018)
& they can apply to reopen the case or I can apply to close it*
I have found a letter from MC dated 11-09-2018 that they have evidence that my last payment was on the 03-12-12 and there for not statute barred*
this was within the 28 days &*
they didn't proceed*
So my big question now is can I apply to close the case on the evidence that MC had the evidence within the 28 days & chose not to proceed*
& that they are now harassing me threatening me with court action again*on lies (eg the 49p payment & 2018 card application)*
I can afford to pay MC but I do not like they way they have been practising & don't want them to get a pay out for this behaivour*
Thanks*
So my big question now is can I apply to close the case on the evidence that MC had the evidence within the 28 days & chose not to proceed*
& that they are now harassing me threatening me with court action again*on lies (eg the 49p payment & 2018 card application)*
I can afford to pay MC but I do not like they way they have been practising & don't want them to get a pay out for this behaivour*
Thanks*
*
