CCA never sent

[Diana M]

Re: CCA never sent

There seems to be some conflicting advice on what to do next. I'm really not sure on my next move.

It's not really conflicting advice. In fact it's not even advice.

It's options for you to consider and then you make up your own mind what would work best for you.

Di

[charitynjw]

Re: CCA never sent

Last question of the evening I promise. Ignore and hope they're just pushing their luck or offer to pay a reduced amount?

It really does have to be your choice.
I think you know what I would do in the circumstances.

[ajl75]

Re: CCA never sent

Last question of the evening I promise. Ignore and hope they're just pushing their luck or offer to pay a reduced amount?

[charitynjw]

Re: CCA never sent

I have written to them and they've asked me to tell them why I believe the debt is unenforceable. There seems to be some conflicting advice on what to do next. I'm really not sure on my next move.

Lol!
So are they paying you to do their job for them?
Or jump through their hoops?
The next significant move is theirs to make, anyway........
The choice is yours, of course, but if they sense any signs of weakness they may well go for the jugular regardless, in the hope that you'll fold.

[ajl75]

Re: CCA never sent

I have written to them and they've asked me to tell them why I believe the debt is unenforceable. There seems to be some conflicting advice on what to do next. I'm really not sure on my next move.

[charitynjw]

Re: CCA never sent

".....we will refer this matter to our client for further instruction."
Imho it doesn't amount to a letter before claim; it doesn't even mention prospective litigation.
Me? I'd just file it; I guess you've already written to them re the non-compliant documentation; what more can you say?
Playing letter tennis is just a waste of time & money.

[ajl75]

Re: CCA never sent

So, what is my best course of action next?
Ignore or reply?

[charitynjw]

Re: CCA never sent

I posted a larger image too (post #63) xx

I can't open the 2nd version. :smash:

- - - Updated - - -

The letters from Mortimer are crystal clear. The t's and C's are really that bad. Both taken by the same camera.

If that's the best they've got, imho it's nowhere near compliant.

[ajl75]

Re: CCA never sent

The letters from Mortimer are crystal clear. The t's and C's are really that bad. Both taken by the same camera.

What are your thoughts Diane?

All feedback is hugely welcome.

[Kati]

Re: CCA never sent

I'm not sure it's come out Kati?

Seems to open ok for me.

Much clearer than the document in post #51; is that as unintelligible in real life?

Update
Now it doesn't open!
(Too late, @Kati, I've already accessed it)! :taunt:

I posted a larger image too (post #63) xx

[charitynjw]

Re: CCA never sent

I'm not sure it's come out Kati?

Seems to open ok for me.

Much clearer than the document in post #51; is that as unintelligible in real life?

Update
Now it doesn't open!
(Too late, [MENTION=49370]Kati[/MENTION], I've already accessed it)! :taunt:

[Kati]

Re: CCA never sent

[ajl75]

Re: CCA never sent

I'm not sure it's come out Kati?

[Kati]

Re: CCA never sent

....

[Diana M]

Re: CCA never sent

Mortimer Clarke sent the letter on behalf of Cabot. No claim issued yet. I have about 10'days to respond to the most recent letter or they claim it will go to court.

That sounds a bit like a Letter Before Action which may require a response asking them to send you the documents which they intend to rely on in court such as the Default Notice etc.

Post up the solicitor's letter with your personal details removed.

Di