Cabot/Mortimer - Court Claim received

[lolarose]

Received a claim? Yes/No: YES

Issue Date: 14/06/2025

Have you Acknowledged the Claim?: NO

Total Amount Claimed : £700

Claimant’s Name: Cabot Financial

Solicitors Firm: Mortimer Clarke

Original Creditor: JD Williams

Original Debt (eg. Credit card/Loan/Overdraft) : Store Credit

Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): NO

List any letters you have sent (eg: CCA/ CPR ): NONE

Any Other Information or Background Details: Have misplaced the court letter but have access to the online portal where I can see the claim ref no.


Hi All,

I'm hoping you can help!

I received a court claim this week, I would like to avoid getting a CCJ against me, and would like to know the best way to go about this.
I read that if I admit to the claim and ask to pay in installments that I would automatically get a CCJ?

I'd like some advice on how to respond to the claim? Do I start a defence or do I admit to part of the claim?

Many thanks

LR

[echat11]

Hi Lolarose

Welcome to LB

a) First Acknowledge Service of the Claim, you can do this online via MCOL, this will give you 28 days (plus 5 days postal) in total to work on your defence.

https://legalbeagles.info/library/gu...ledge-a-claim/

b) Send a SAR request to JD Williams, they have 30 days to provide all the data they hold on the account. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...ccess-request/

c) Send a CCA request to Cabot Financial they have 12 days to provide a copy of the agreement. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...etter-example/

d) Send a CPR 31.14 request to Mortimer Clarke, they have 7 days to provide all the documents they are relying on to make the claim against you, again get Proof of Postage.

https://legalbeagles.info/library/gu...-of-documents/

e) This is an example Defence, start looking at it, don't fill or file it with the Court.

https://legalbeagles.info/library/gu...-court-claims/

You are a long way off from getting a CCJ, the only way you get a CCJ is if you ignore the Judgement from the Court.

Don't speak to creditors, solicitors etc over the phone, everything in writing. Keep on top of this, especially dates for filing defence etc. Workout when your Defence is due, 28 days from the date on the claim form. If you can post on the thread 5 days before it's due we can help with your Defence.