Claim form received from Cabot..

[echat11]

UPDATE

Hi, received a letter containing the following from MCS today…



Dear Ferdi

Thank you for your letter dated 05/10/2024.

We acknowledge your request for documents pursuant to Section 77/78/79 of the Consumer Credit Act 1974.

For the avoidance of doubt, this firm acts on its client's instructions. This firm does not hold the documentation you have requested. We have asked our client to provide them and will come back to you as soon as we can.

In the meantime, the matter has been placed on hold and no further action will be taken.

Yours faithfully

Mortimer Clarke

Mortimer Clarke Solicitors

Update when you get the requested documentation.

[FERDI]

Hi, I never received any documentation from Mortimer Clark or Cabot, despite this Cabot have taken to calling me daily, I don’t answer, and this morning I’ve had a letter from them saying they NEED to speak to me regarding this account and they’ll keep trying to contact me until I have a payment plan in place.
Are they allowed to do this despite the debt being unenforceable?
Thanks in advance

[echat11]

Hi, I never received any documentation from Mortimer Clark or Cabot, despite this Cabot have taken to calling me daily, I don’t answer, and this morning I’ve had a letter from them saying they NEED to speak to me regarding this account and they’ll keep trying to contact me until I have a payment plan in place.
Are they allowed to do this despite the debt being unenforceable?
Thanks in advance

Yes, but they are wasting their time.

You could send the following letter, but write 'Without Prejudice' on the letter. Make sure you get Proof of Postage.

Before the following write 'alleged' 'debt is unreasonable and could be considered to be harassment.'

Add dates / times they've called you.

https://nationaldebtline.org/get-inf...sment-warning/

[FERDI]

Thank you so much ECHAT11