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I have just joined and I'm looking for a little advice.
Basically I'm being pursued by Mortimer Clarke Solicitors on behalf of Cabot. They have been chasing me for an apparent old credit card debt. I have denied the debt several times and done the usual requesting of signed original agreement, copies of statement and dates of last payment, which I have never received from them. I haven't heard from them for quite a while and presumed that the matter was over. I received a letter from Mortimer Clarke saying they were threatening court action and a couple of days later I received a court claim pack dated 1/5/2015. Today I have completed the Acknowledgement of Service with the intention of defending the claim which will go in the post first thing. I have also prepared a letter for Mortimer requesting a CPR31.14. I'm concerned they'll drag there feet and I will run out of time.
The last correspondence I had with Mortimer after I received their threat stated that the debt relates to a credit card with Capital One which bore the agreement number xxxxxxxxxxxx and the agreement was entered into on the 18/04/2008. The agreement was terminated on the 03/03/2010 and the last payment made was on 29/10/2009. These were just typed details on Mortimer's letter headed paper not the supposed original documents.
Please advise, I am getting really worried now as I have been working hard to get my credit back on track and this will set it right back if I get a CCJ. Thanks.
Basically I'm being pursued by Mortimer Clarke Solicitors on behalf of Cabot. They have been chasing me for an apparent old credit card debt. I have denied the debt several times and done the usual requesting of signed original agreement, copies of statement and dates of last payment, which I have never received from them. I haven't heard from them for quite a while and presumed that the matter was over. I received a letter from Mortimer Clarke saying they were threatening court action and a couple of days later I received a court claim pack dated 1/5/2015. Today I have completed the Acknowledgement of Service with the intention of defending the claim which will go in the post first thing. I have also prepared a letter for Mortimer requesting a CPR31.14. I'm concerned they'll drag there feet and I will run out of time.
The last correspondence I had with Mortimer after I received their threat stated that the debt relates to a credit card with Capital One which bore the agreement number xxxxxxxxxxxx and the agreement was entered into on the 18/04/2008. The agreement was terminated on the 03/03/2010 and the last payment made was on 29/10/2009. These were just typed details on Mortimer's letter headed paper not the supposed original documents.
Please advise, I am getting really worried now as I have been working hard to get my credit back on track and this will set it right back if I get a CCJ. Thanks.
