Judgement for Claimant (in default) Cabot/Mortimer Clarke

[Jluke91]

Hello Beagles,

I'm in a bit of a situation here in an old credit card debt, It was originally with Cabot Financial and was then taken over by Mortimer Clarke who sent me out a claim form, of which I replied to and sent off. However they're saying they haven't received it and I returned from a family wedding week away to a Judgement for Claimant (in default) letter saying I owe them the full amount and fees, however the letter itself doesn't have anything else attached. Its just the Claim No. from Civil National Business Centre saying I need to pay Mortimer and Clarke within a month from the date of the 1/11 or I'll get a CCJ.

I'm a little afraid and admit I've been sticking my head in the sand about this, I can't afford to pay it all within the month and I'm not sure where to go from here, especially since I did reply to the paper work then sent the month before.

What info do I need to provide here to get some help? Or am I better off just calling the courts directly? I'm very out of my debt here and want to avoid the CCJ as I'm a current sponsor for my wife going the legal route for remain to leave in the UK.

Thank you!

[echat11]

Hi JLUKE91

Welcome to LB

If you are disputing the debt i.e. for example you are saying it's statute barred or you know nothing about the debt, you could set the Judgement aside, because of your financial situation you would get help with the Court fees. What the set a side does is 'restart' the process allowing you to defend the claim with a defence etc. At this moment in time you have a CCJ against you. You need to act quickly.

https://legalbeagles.info/library/ho...-judgment-ccj/

The other option is to fill in an income and expenditure form, see if the Creditor / Courts will allow you to pay a monthly amount, but that doesn't remove the CCJ against you.

https://nedcab.cabmoney.org.uk/