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Hi there.
I have zero experience of this type of forum, so apologies in advance if I do not use it correctly in the first instance.
My issue is that I have received an 'LBC' letter from Mortimer Clarke Solicitors, relating to an old debt with Northern Rock. The debt is now owned by Marlin, though I have been chased by Cabot and now Mortimer Clarke (MC).
The LBC (dated 22/3/17) says that I have 14 days to pay the balance in full or MC will issue a claim against me in the County Court for the full balance, on the instruction of their client (Marlin).
I have had a look around on the internet at various forums but have found the various instances and responses confusing, as to the whole process of what to do and when. My worrying hasn't helped me in organising what to do either! On this site I have seen a response to a similar issue a while back.. it said:
Firstly, don't panic.
Secondly, many of these Consumer Credit debt based Court Claims are issued through the County Court Business Centre and are rather lacking in detail and information. The are often claims bought by debt purchasers who don't have the paperwork to back them up to hand and who wing it on the hope that they obtain a default judgment.
So, first steps (within 14 days of receiving the claim)
1: ACKNOWLEDGE THE CLAIM - you can do this online usually at www.moneyclaim.gov.uk
You'll need your claim reference and password from the front of the claim form
2: Send A CCA REQUEST to the CLAIMANT ( see here )
This applies to all credit cards / loans / hire purchase / store cards type debt. It doesn't apply to Mobile Phones / Utilities or Overdrafts.
3: Send a CPR request to the CLAIMANT'S SOLICITORS ( see here )
This applies to everything unless they happen to have supplied you with a bunch of paperwork to back up their claim (v. unlikely)
If you are unsure of any of those steps then please make a new thread on the forum (you must be registered to do this)
Once those letters have been sent off you should make a new thread on the forum (you must be registered to do this) and make a post titled the claimants name v your username, and containing the date of issue from your claim form, date of service (ie when you received the claim form), type out the Particulars of Claim (exclude account numbers) and tell us the approx amount of the claim. Also tell us any specific disputes or background to the claim you may have. If you know please also tell us the last time you made a payment towards the debt or acknowledged the debt in writing, and confirm you have acknowledged the claim, and what letters you have sent off.
Is this the route I should take? I have registered with MCOL, but on the LBC letter there aren't any details of a claim number or password so I can't register my defence there yet. Should I be waiting for the 14 days to pass and the actual court papers to arrive. I am so confused.
Thanks for any advice anyone can give.
I have zero experience of this type of forum, so apologies in advance if I do not use it correctly in the first instance.
My issue is that I have received an 'LBC' letter from Mortimer Clarke Solicitors, relating to an old debt with Northern Rock. The debt is now owned by Marlin, though I have been chased by Cabot and now Mortimer Clarke (MC).
The LBC (dated 22/3/17) says that I have 14 days to pay the balance in full or MC will issue a claim against me in the County Court for the full balance, on the instruction of their client (Marlin).
I have had a look around on the internet at various forums but have found the various instances and responses confusing, as to the whole process of what to do and when. My worrying hasn't helped me in organising what to do either! On this site I have seen a response to a similar issue a while back.. it said:
Firstly, don't panic.
Secondly, many of these Consumer Credit debt based Court Claims are issued through the County Court Business Centre and are rather lacking in detail and information. The are often claims bought by debt purchasers who don't have the paperwork to back them up to hand and who wing it on the hope that they obtain a default judgment.
So, first steps (within 14 days of receiving the claim)
1: ACKNOWLEDGE THE CLAIM - you can do this online usually at www.moneyclaim.gov.uk
You'll need your claim reference and password from the front of the claim form
2: Send A CCA REQUEST to the CLAIMANT ( see here )
This applies to all credit cards / loans / hire purchase / store cards type debt. It doesn't apply to Mobile Phones / Utilities or Overdrafts.
3: Send a CPR request to the CLAIMANT'S SOLICITORS ( see here )
This applies to everything unless they happen to have supplied you with a bunch of paperwork to back up their claim (v. unlikely)
If you are unsure of any of those steps then please make a new thread on the forum (you must be registered to do this)
Once those letters have been sent off you should make a new thread on the forum (you must be registered to do this) and make a post titled the claimants name v your username, and containing the date of issue from your claim form, date of service (ie when you received the claim form), type out the Particulars of Claim (exclude account numbers) and tell us the approx amount of the claim. Also tell us any specific disputes or background to the claim you may have. If you know please also tell us the last time you made a payment towards the debt or acknowledged the debt in writing, and confirm you have acknowledged the claim, and what letters you have sent off.
Is this the route I should take? I have registered with MCOL, but on the LBC letter there aren't any details of a claim number or password so I can't register my defence there yet. Should I be waiting for the 14 days to pass and the actual court papers to arrive. I am so confused.
Thanks for any advice anyone can give.
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