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Please can someone help me. I had a lot of debt many years ago when I was very mentally unwell. I had a CCJ against me under Cabot (2014) which I paid for a while then became unwell again and couldn't pay. Out of the blue they sent a letter from Mortimer Clark to say they were closing my case with no further action. However Cabot then started sending letters chasing the debt, calling multiple times a day and increased letters. I've ignored all of this. Today I've had a letter to say they are sending Orbit to my home within 7 days unless I contact them. I know with a Ccj over 6 years old they would need to go back to court. What should I do? I feel physically and mentally unwell at the thought of them turning up at my home. I have around £800 I could offer them should I do this? The debt is around £30k so seems unlikely. Although a lot of that is interest as the original debt was £18k. Can I send them the harassment letter telling them not to visit my home? (I found this on another website) any help would be appreciated thanks
Please can someone help me. I had a lot of debt many years ago when I was very mentally unwell. I had a CCJ against me under Cabot (2014) which I paid for a while then became unwell again and couldn't pay. Out of the blue they sent a letter from Mortimer Clark to say they were closing my case with no further action. However Cabot then started sending letters chasing the debt, calling multiple times a day and increased letters. I've ignored all of this. Today I've had a letter to say they are sending Orbit to my home within 7 days unless I contact them. I know with a Ccj over 6 years old they would need to go back to court. What should I do? I feel physically and mentally unwell at the thought of them turning up at my home. I have around £800 I could offer them should I do this? The debt is around £30k so seems unlikely. Although a lot of that is interest as the original debt was £18k. Can I send them the harassment letter telling them not to visit my home? (I found this on another website) any help would be appreciated thanks
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