Yes this was my plan, I suspect it’s because the previous letter stated paid in full by the 29th so they are extending that date to 5 days before whatever date the hearing is. I’ll send £500 on Tuesday and inform them of my plan to clear it before the hearing.

Just received this email from solicitors in response to my request to pay over 3 months. ------ As you are aware, an application has been made requesting Summary Judgment and the matter has been transferred to Warwick County Court, however, we have not yet received notice of the hearing date. Our client is still happy for you to pay the settlement offer; however, it needs to be made prior to the yet to be listed hearing. Should the settlement set out in our previous letter not be received in full prior to 5 days before the court hearing then we remain instructed to conclude court proceedings. We can confirm that we are not instructed to halt proceedings on the basis of instalments, but if the total settlement sum is received in advance of the hearing due to be listed (whether made in one payment or several payments) then it will be accepted as settlement. We enclose a copy of our information sheet which includes our bank details and information on how to pay. For the avoidance of doubt, our client does not intend to ask you to pay more than you can afford or to put you into financial difficulties, it simply needs to protect its position with regards this outstanding debt, and these Court proceedings need to reach a conclusion. If the debt is secured by way of a County Court Judgment, a new and affordable arrangement can be discussed. If you have any questions, you are welcome to contact our offices on the details within this letter. If you are unsure as to the court proceedings, we suggest you seek independent legal advice. ---- Any thoughts on this? I plan to just make a payment next week and stick to my reasonable offer. Should I tell them this? Any ideas on the timeline here?, its 2 weeks since I got the letter from the court. I just want to keep the due amount where it is and avoid the ccj at this point.

True but I assume at this point they hold all the power and have done the digging so no need for them to be too generous. + a day ago I thought it was going to be £1800+ so dont wanna push my luck. Also I know how I am and having a strict target will motivate me more than it becoming another monthly payment.

Honestly I would like it out of the way asap, it might not even take the full duration. I can do this for a short duration and honestly 2 or 3 large chunks suits me better than an ongoing smaller chunk every month

Ive just received an email from them offering a settlement figure of £1448.22 by the 29th of this month but they also state they would listen to alternative offers. I honestly cant find that much by that date but ive offered back with 500 + 500 + 448.22 spread over 3 months. Hopefully that might just do it. Something strange, that is actually less than the original claim?, honestly that this point id take the original amount over 3 months but will see what they say.

Just had a surprisingly nice chat with them. she says wait for the claim form from the court as its too late to do anything else now but also that they will likely work with me and to call back then. I'm a bit confused still tbh, court stuff is always so vague. The way she was talking was like I'll get another claim form to fill in again and defend or admit, in that case what is all the summary judgement stuff about? surely that means judgement against me with no grounds to defend? Obviously she wasn't the solicitor and did put me on hold while checking some stuff so hopefully wasn't a total fob off. Hopefully broke some ice. I think my best bet now is going to be to get as much cash together as possible asap in the knowledge worst case I have some time even after judgement to avoid a ccj. I'll update here as and when.

Oh yes thats right. Is there a specific way to approach them?, I assume an email would suffice at this stage given time is an issue?

Yeah I thought so. Can they add the £275 + any other costs to the claim or is this just to literally restart the original claim?. So annoyed that they didn't post the SAR to me along with that last letter. Surely on such an important subject post should be essential. Any thoughts on how long this is likely to take and what will happen now? Is it worth trying to negotiate repayment or has that ship sailed?

Right, sorry for the delay, couldn't get scanner working so just had to do images. Had to split into 2 and make it black and white, any lower quality was unreadable. Everything looks crisp and bright in real life. If I missed deleting anything let me know but I think I got all personal details. Having had a read its making a bit more sense. Something I should say is that I moved address again in April but did have Royal Mail redirecting hence I got the court letter but absolutely did not get anything from the Solicitors meaning that the one contact from them in June including my SAR was via an encrypted email to an old email address which I didn't even know about until I saw the copy in here which clearly states Sent to Email. Seems a bit underhanded to me. Obviously my defence is no longer relevant if everything is in order and I would have been willing to negotiate at that stage. Seems like they are a bit annoyed at being challenged and having to do some work rather than winning by default and now again trying to sneak it. Still cant believe they didn't put the account number on the claim form. Anyway current situation I can probably find the funds to clear this, not today but certainly within 30 days of a ccj. I dont want to go to court, my situation now is better than is was in November 2021, I was on Universal credit and in bed with covid when the claim came through and its a relatively doable amount to find for me at this point so if it only delayed things for 2 years that was a result. I am aware of the original 2 x £80 charges but are they able to be adding more?. There is no way to respond to the court so I assume I wait? I do need to update my address with the court though either way just to ensure no delays so will call them about that. N244 bundle.pdf

Yes that’s it

I did post late 2021 about a claim from Mortimer Clarke on behalf of Cabot. At the time the claim was vague and didn't even have an account number on. I sent an SAR to th solicitor and CCA to the credit neither of which were fulfilled out of the blue ive just had a massive pile back from Northampton stating its a Notification of Proceedings along with the Application made by Cabots solicitor to lift the stay and a what looks like a full SAR. I presume this means they wanna go for it. The Letter states The claim has been transferred to the county court at *******for that court deal with the claimants application to lift the judgement and summary judgement be entered I think as first route of call I need to get onto the court and update to current address as ive moved, was probably lucky this got here as ive moved but did have re routing set up with Royal Mail. I'm on the assumption the judge will lift the stay but is there anything else I can do at this point or am I pretty much screwed? The SAR looks to all be there and good but the fact remains there was no account number listed on the original claim but we'll assume the judge will see past that when backed up with an agreement, default and notice of assignment? Can someone just advise me as to where we actually are with this?, it says about asking the court for a summary judgement which I presume means that is where the ccj is awarded?. My worst case scenario is that I try and clear it and avoid the ccj but this is so confusing. Can any more be added to the original claim? Is it beyond any negotiation?

Great thanks, I did think this.

Hi. Ive been on Universal credit for the last 12 months since missing out on the 3rd self employed grant and after careful consideration have decided to come off it, I feel its limiting me subconsciously and ive been getting the bare £320ish minimum + the issues being caused by covid have cleared up and my stock levels are such I feel I can come off. I know I should see how it goes but honestly im a cold turkey type of person. Ive sent them a message stating i'd like to come off and they have come back saying I need to give them a date that cant be in the future. I consciously waited till today as I was getting a payment yesterday and now im concerned I might end up having to repay some if I dont get the dates right. I'm sure it took ages to get a penny and its calculated from the previous months earnings so I presume it is paid in arrears, do I have anything to worry about here? I'm happy to not receive another penny from here on but just dont want to end up liable for anything.

Yeah exactly. I guess you can at least trust the court toplay fair, I was half expecting Cabot or M&C to send the stuff requested to an old address. I guess as long as I deal with everything as received from the court then that angle is covered.

Great. Yeah I know its def nothing to take serious but at least I know they cant do anything on the sneak and i'll enjoy the holiday for now. They wrote to the new address also so def have the correct details now. I did have a letter from the court last week actually but that literally acknowledged the defence hence I didnt post it up.