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Hi, I have been advised by a really helpful lady at Debt Camel to post my issue here so here goes... Received a letter from mortimer clarke sols saying that I owed in excess of £8k. I think this may be from a LTSB loan I took out in 2009 which I stopped paying when I fell pregnant in 2010 as was in a really bad position financially back then. I stopped receiving letters pretty quickly and heard nothing until after I got married in 2018. The most recent one (sept this year) I sent them a statute barred letter which I found on your website. They then came back and said that it is not statute barred as in Sept 2016 a CCJ was served. There is no CCJ on my file for this. Turns out that they applied for a CCJ, I never received any documentation about a CCJ and so obviously could not respond to it & for whatever reason after the two week period, they never lifted the stay and never actually completed the CCJ. Although they said in the letter if I didn’t pay in full they would lift the stay and register the CCJ (5 years later). I responded with a subject access request and they are now saying they want certified copies of my ID before they will provide this information to me. Can they even do this? It has been approx 10 years since I ceased making payments for this and didnt start receiving letters until early 2019?
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Hi Claire
They can ask for ID, but it doesn't need to be certified.
What I would do is speak to the ICO via their online chat. They should be able to confirm that is not the case or when certified documentation would be needed. I would then email them telling them that if they don't comply with the SAR then you will lodge a complaint with the ICO.
https://ico.org.uk/ -
Thank you!Comment
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