Just a further update. Mortimer Clarke have been in touch and their words have been quote: "We enclose an income and expenditure form for you to complete in order for our client to assess offer of repayment. Should we receive no response it is our instruction to issue a County Court Claim." I have just sent back a notification of address change. My thought is the as advised on hear earlier, the next move is not mine.

I'm changing address in a week and a half. How do I protect myself against a backdoor CCJ. Cabot and Mort Clark have been very quiet so far, no news from them at all since telling them their documents did not pass the test. Do I need to get a certified copy address change letter.

Just an update. Please see attached. So Mortimer Clarke have not come back with anthing but my phone has been ringing at least 3 times every single day to no avail. Cabot have written back after CCA request saying I have not specified what's wrong with what the sent and they have the right to enforceable the debt and they can obtain a CCJ bla bla but they would rather to speak to me etc. see attached letter extracts. The also sent the same pack as before which they claim is the CCA but that was already called out on this forum to be an Application/decleration. cabot .pdf

Thank you DX !

Ahh got it. I will send one out first thing tomorrow. Mortimer want it sent to them, however I believe the guidance says send to the DCA not the Solicitor (I appreciate they are the same company). should I ignore them. With regards to the 30 day to reply to PAP. where do I stand is it just a case of waiting to see where they go next.

Thanks for reply DX, no didn't hand write or sign anywhere, everything on the CCA request and PAP reply was typed. I had Royal Mail make the Postal Order out to Cabot Financial as I had done couple of years ago. After they tried to concoct a CCA I've been staying away from writing anywhere. They sent the PO back I will post attach it on here when I get home.

Just a follow on from the above, I sent the PAP reply downloaded from here to MClarke. I had also inclosed a CCA request for Cabot Financial. per the attached, MC have now come back with a letter requesting me to send them a revised £1 addressed to them. I didn't think the CCA request needed to be addressed to them. I'm I obligated to reply to their letter or should I wait for then to address the PAP reply. Many thanks for advice as always. Mortimer response 0523.pdf

Thanks DX, I have downloaded the PAP reply which I will type in and print PDF to send. I will however not provide and emails or signature as it says on there. Would there be a need to say what information doesn't meet the Consumer Credit Act or should I just let them figure it out. or should I send another CCA request.

Thanks DX as you predicted, they have sent across what appears to be a letter of claim. They have also send a summary of payments (not attached) made up until I sought advice on here. Please advise on best course of action. many thanks Mortimer - Letter of Claim.pdf

Just an update, per the attached Cabot have now upped the threat level and passed the case onto their other firm Mortimer Clarke. Just waiting to see what they come up with. Mortimer Clarke.pdf

Cabot are now escalating their pursuit, I have today received a letter saying I have 22 days before the hand my account to their Solicitor who will the send me a "Letter before action". I think I have read on hear that the letter has to called "Notice of Claim" and not anything else, Im I correct in thinking that Cabot action notice.pdf

Many thanks for opening Andyorch. Hi , I have today received a letter from Cabot saying that they are going to appoint a solicitor. and and have also sent a letter called Notice of Sums in Arrears which they say will lead to a CCJ if I don't respond within a month. Is this letter the same as a Notice of Claim which I understood was the process before a court application is make. please see the attached letters. Leagal action notice.pdf Notice of Arrears.pdf

I thought to update my thread in case someone else is experiencing the same. Cabot have come alive again, I have not responded to any letters or calls since cabot sent through an Application declaration claiming its CCA. Cabot have now written to me saying they are instructing Resolvecall to visit my home and get me to talk. Should I ignore Resolvecall? I gather from other posts on here that thats the best thing to do. Are Resolvecall able to send me a "letter of claim" and if so should I CCA them before they do. My initial thought is if Cabot are failing to enforce the debt by sending a letter of claim it could mean, as rightly pointed out on this site that they know the CCA they provided doesn't hold water.

Just an update on this thread. I have been receiving relentless texts and phone calls from C@b0t about twice a day asking for me to call them back. I however have not received any correspondence in writing.

Thanks both, I will post on here when I hear from them.

Thanks for the help on this. In the event I get a letter of claim from the DCA, what should be my next action? Would I be able to call out the document received as an "Application/declaration" and not an agreement or would the document as received be admissible in court?

Thanks and DX and Andyorch, So would it be wise to just hold tight and see what they do next, or would it be prudent to reply saying to them they have not satisfied the prescribed terms with the "application/decleration" . Im watching my mailbox so I don't miss anything.

Hi Dx Please see the merged file. thanks. CCA from DCA.pdf

Thanks DX, I have checked the CCA is indeed legit. The attached is 1 of two covering letters that was attached. A real pain. cov letter.pdf

Noted thanks Andy, I will get in touch with them and work out some kind of one off payment. I wouldn't want it to jeopardise my mortgage application.

I have had correspondence from the DCA and they have provided what looks like a CCA and confirmed the debt is now enforceable. what should I do now? I know they missed their 12+2 but that does not mean anything once they provide the CCA.

Thanks DX ! for calling it out as "bogroll". I will sit tight and allow them to check their drawers and files for the appropriate documents.

Thanks DX, Just an update on the CCA request Cabot have come back to me with no reference to the text in the CCA request. They have sent what looks like a statement of account. I don't believe it meets the CCA document test. My first thought was to not reply and await a CCA but hoping to hear other views. cabot pdf.pdf

Got it, thanks DX I will carry on with life and let the DCA have a rummage for the CCA and make sure I upload whatever they send on here for validation. Cheers! I will keep you posted.

Thanks Stigman, I will hang fire and wait for their next move. I have been doing some research and gather that the wait can take a long time in some cases. So moving forwards at say the end of the year would I be able to apply for a mortgage without this hanging over that process. I read on another forum someone being advised to offer 5% to get the DCA to close their pursuit.