Need help regarding a old debt , Mortimer Clarke Solicitors.

[echat11]

Hi , they got me back to me saying
https://gyazo.com/69679393f645ecff1c37629d94cf6379

Update when they comply with your request.

[Dayjax7]

Hi so the update is this,

They say they've been instructed to close the account , but somebody else will be contacting me after I requested that information.


https://gyazo.com/20baf4dfea0274842a78f470cb69dcf0

[echat11]

Hi so the update is this,

They say they've been instructed to close the account , but somebody else will be contacting me after I requested that information.


https://gyazo.com/20baf4dfea0274842a78f470cb69dcf0

Update when (if) they make contact.

[Dayjax7]

Update when (if) they make contact.

Cabot Reference: XXXXXXX
Original lender: Aqua

Original account number: XXXXXXXXXX
Account type: Credit Card

Date account opened: 04/02/16

Termination date: 24/10/18
Outstanding balance - £415.99
Current payment plan details: N/A


Thats all they emailed me from cabot.

[echat11]

Until they provide compliant documentation, the account is 'unenforceable'.

Remember even if they provide documents, they need to be 'compliant'.

[Dayjax7]

Until they provide compliant documentation, the account is 'unenforceable'.

Remember even if they provide documents, they need to be 'compliant'.

So do I just reply with , can you provide me with the subject access information as requsted?

[echat11]

So do I just reply with , can you provide me with the subject access information as requsted?

I would leave the Subject Access Request for the time being.

You made a formal request for a copy of your agreement. To date they haven't complied. They sent a irrelevant email. You are still waiting for them to comply. What can you do other then wait?

[Dayjax7]

I would leave the Subject Access Request for the time being.

You made a formal request for a copy of your agreement. To date they haven't complied. They sent a irrelevant email. You are still waiting for them to comply. What can you do other then wait?

They have replied and sent me over a massive folder with all the information from the subject access request , what steps do I need to take now?

[echat11]

They have replied and sent me over a massive folder with all the information from the subject access request , what steps do I need to take now?

Find the agreement, default notice and letter of assignment, look for anomalies.

Look for prescribed terms and has the terms been 'varied'.

[Dayjax7]

I cant really find anything that says varied. I did come across some payments that i made over the span of 2016-2018 actually , totaling up to £404 out of a £450 debt.

I'm not really sure on what to do now , I guess I have no option but to start paying it off in full again?

[echat11]

I cant really find anything that says varied. I did come across some payments that i made over the span of 2016-2018 actually , totaling up to £404 out of a £450 debt.

I'm not really sure on what to do now , I guess I have no option but to start paying it off in full again?

Have you found any of the following?

Agreement, default notice and letter of assignment.

https://lawzone.legal/when-is-a-cred...unenforceable/