Hi Guys, A friend has received a letter, which I suspect is a fishing one, from the above. The debt is for £1700ish and it was a Sainsbury's credit card, taken out in the middle of 2004. The default date is January 2009. The correspondence they've sent contains lots of if's, maybe's etc. and that if it goes to court, ''our client will request that the Courts grant a Judgement in default by instalments of £50 per month''. It then goes on to state the consequences of a CCJ and also enclosed is an Income and Expenditure form, as well as a rather convenient Direct Debit form. My friend is certain, but not 100% that she stopped paying around 2009 due to her own circumstances back then. How can she find out when she made the last payment without going through Mortimer Clarke or Cabot?? Going by what she says, this is Statute Barred, but how can she find out for definite? Regards, Buncrana

Hi caggers, I have received a letter from Mortimer Clarke which I originally thought was to do with an alleged Barclaycard debt but now realise relates to an alleged Egg debt. The letter contains income and expenditure forms and a Direct Debit mandate for me to complete and states that if no reasonable offer if made within 14 days then they will issue a claim in the County Court. I sent a s.77/78 request to Egg in 2010 and received nothing so assumed they had no agreement form to support the demands they were making of me for payment. Should I reply to this Mortimer Clarke letter and if so how? Any help much appreciated. Cheers.

Hi, I'm not sure if anyone has any advice on this: I took a Welcome loan in 2008, which was refinanced. I then defaulted and did not hear anything for a few years. I did not follow up as heard they had gone into administration. Last summer I received a County Court Summons via Cabot/Mortimer Solicitors. I sent one of the CPR request letters, from this site and needless to say, they missed the deadline. This morning, I received a letter from the fore-mentioned Mortimer Solicitors, who have included all the info I requested in the CPR letter. They have stated that their client is happy to settle out of court and have offered a 50% reduction to settle. The question is: 1. is there anything further I can do? 2. Can they issue another County Court Summons, when first one timed out? Many Thanks talkback

Hello guys it's been a long time since I have been on here but im in a bit of a pickle. I have received a claim form from County court for a debt from 2002 with The AA. In 2006 I sent a CCA Stating that I do not acknowledge any debt from them to The Bank of Scotland who I asume owned the Debt at the time. I was wondering what to do and whether this debt may be Statute barred, I have not made a payment of this debt in over 10 years. Please help im panicing a bit here.

Cabot have been persuing me for a Halifax Credit Card Debt (pre 2007) of around £3,000. I was previoulsy paying them around £12 per month, but now cannot afford this due to being out of work. My Experian credit file strangely does not even show the original Halifax debt or any money owning to Cabot, who I assume have now purchased this. Under these circumstances should I now ask for a copy of the CCA? Thanks

Hello there, I have a problem with Cabot/Mortimer Solicitors. 6 years ago I had an agreement with cataloque cimpany, the last payment I made was in July 2009. It was the time when I split with my husband and moved out abroad. My (now ex) husband has moved out as well to another part of England. I wanted to pay the debt and even asked The company to send me details of their account and how can I pay from abroad (the last letter was in November 2009) but my husband has lost his job and did not pay me any maitenance for our son. I have started a new job but I had to rent a flat, pay bills and nursury. It was really hard time to me so I gave up for a while and.. forgot about debt. They company hasn't contacted me since January 2010. I came back to UK in Autumn 2011. At the end of May 2015 I received first letter from Cabot asking me to pay over £900. First I was in shock and than I started to remember that I had a debt in the Company but for ca £300. I really want to pay the debt but not in the amount they ask me to. I've received few more letters from Cabot and haven't answer them so they have passed the case to Mortimer Solicitors. I received a letter threatening court action and a CCJ. I have 10 more days to respond and here is my question: should I send them CCA Request first or send them my offer? Thank you in advance for all your answers.

Good Afternoon Hopefully I have posted this in the correct place I recently return from a job abroad since getting a new place started receiving mail from Cabot re an supposed out standing balance which they have bought (under 500) today I returned home to a letter from Mortimer Clarke telling me their client (cabot) has instructed them to start legal proceedings which would lead to a ccj they have recently added to my credit file a default but it also states this was default in 2011, some one has advised me to send a cca request but i am not familiar with this and whilst there is so much great information on this site, it has me a little info-dizzy. so I was hoping someone can assist thanks in advance

Received a claim form this morning from cabot. Last thing we need at the moment as we are struggling as it is. I have put all details below. Can i still go for unfare charges from vanquis as we had never done this? Please any help and some nice easy step by step help as i'm not to good with this sort of thing. Name of the Claimant ? cabot financial Date of issue – . 02-07-2015 What is the claim for – by an agreement between vanquis and the defendant on or around 11/08/2010 vanq agreed to issue the defendant with a credit card. The defendant failed to make the minimum payments due & the agreement was terminated. The agreement was assigned to the claiment, the claiment therefore claims £613 What is the value of the claim? 613+court fee/solicitor's costs £743 total Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? after 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? out of work What was the date of your last payment? unknown Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no, hid head in sand!!

Can anyone help me with letter I got today? Last thing I remember about this Egg debt was when I sent Egg the CCA letters for my contract back in 2009, send both letters since they failed to respond and thought that was the end of it.

Damn! Another one has been snapped up. Cabot Have just bought MCS - Mortimer Clarke. They have now bought all of Marlin Group. Worrying! HERE Marlin Group Own Marlin Financial Services Mortimer Clarke Solictors They were subject to the Channel 4 Documentry on Debt Collection Practices through Dispatches.

Hi really hope someone can advise me.. I received two court claims on the same day from Cabot through County Court Business Centre. Dated 29th April 2015. They relate to debt from 15 years ago. One in my old name and one in my current name I wish to defend both of them. Particulars of claim are: Claim 1) By and agreement between Royal Bank of Scotland ( ) & the defendant on or around 03/06/2000 ('the agreement') agreed to issue the Defendant with a credit card upon the terms & conditions set out therein. in breach of the Agreement the Defendant failed to make the minimum payments due & the Agreement. The agreement was assigned to the Claimant. The claimant therefore claims 3479.86 Claim 2) By and agreement between Royal Bank of Scotland ( ) & the defendant on or around 08/09/1999 ('the agreement') agreed to issue the Defendant with a credit card upon the terms & conditions set out therein. in breach of the Agreement the Defendant failed to make the minimum payments due & the Agreement. The agreement was assigned to the Claimant. The claimant therefore claims 4969.80 I submitted the acknowledgement of service and requested a copy of the agreements from Mortimer under CPR 31.14 and copies of the CCAs from Cabot. Mortimer replied on 13th May regarding claim 2 saying , they are willing to the extension, and I must notify the court in writing of the agreement. It also says they believe i have already inspected the documents. They want me to confirm what documents I have to avoid duplication and then they will take their clients instructions. Mortimer replied on 19th may regarding claim 1 just saying they are taking their client’s instructions and will come back to me, again I need to notify the court Question 1) do I need to notify the court and what do I say? In between the two letters I got two further letters from Mortimer both the same but relating to each claim separately (see below) We were instructed recently to issue proceedings for an outstanding sum owed by you to our client Cabot Financial (UK) limited. The particulars of clai referred to an agreement between you and Equidebt. We have however been informed by our client that the original creditor is RBS. This does not affect your liability to repay the outstanding balance to our client. It would be possible for our client to seek to formally amend the particulars of claim; however we do not propose to do this. We suggest that the parties focus on addressing the outstanding balance rather than the procedural aspects. If you take different view, please let us know, and provide your consent for our client to file and serve amended particulars of claim. If you have responded to the proceedings please let us know in 7 days if your position has changed. If you have not responded we have been instructed to provide you with an additional 7 days to respond to the court proceedings. If we do not hear from you within this time we are instructed to request judgement by default without further notice to you Question 2) What is this all about and what do I need to do!? I have also received from Cabot on 18th May two letters both the same saying: Thank you for your request for information under the CCA. We currently do not have this information on file, however have requested it from the lender. We anticipate that we will be able to provide this information within 40 days. In the event we are unlikely to obtain this information within those time limits we will write again Question 3) What do I do now? I calculate I have until 1st June to file the Defence but without any documents what do I do? This debt is soooooo old that I have no idea if this amount is right or not either. Many thanks in advance for your help

Hi guys, I have been lurking on these excellent forums for a while now (wow do I wish I'd found them sooner!) but now it's time to ask for some help on behalf of the wife who has received a claim form. Name of the Claimant: Cabot Financial Date of issue: 05 May 2015 What is the claim for: By an agreement between ROYAL BANK OF SCOTLAND (RBS) & the Defendant on or around 14/04/2005 ('the Agreement') RBS agreed to issue the Defendant with a credit card upon the terms and conditions set out therein. In breach of the Agreement the Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 650. What is the value of the claim? £770 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? Before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Unknown about NoA Did you receive a Default Notice from the original creditor? Unknown Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that we can remember Why did you cease payments? Redundancy and financial difficulties What was the date of your last payment? Unknown as was in a DMP for a while around 2011 Was there a dispute with the original creditor that remains unresolved? Not yet Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - CAP around 2011 Would I be right in thinking the first steps would be to acknowledge the claim on MCOL, CCA Cabot and CPR to Mortimer Clarke?

Got a court letter from them for Northampton. Name of the Claimant Cabot Date of issue –17th April 2015 What is the claim for – Credit Card POC By agreement vaquis bank THE DEFENDANT ON OR AROUND 17/12/2008 vanquis agreed to issue a credit card upon the t&cs In breach defendant failed to make minimum payments and agreement was terminated. The agreement was assigned to the claimant.. The claimant therefore claims 382.32 My card was for about £200 maybe £250 at most.. The rest of the claim is court fee 35, Costs 50 Total claim 467.32. What is the value of the claim 467.32 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account, Credit Card Vanquis When did you enter into the original agreement before or after 2007 AFTER Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No. I have received no paperwork until claim forms Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments. Couldn't afford at the time with my grandmother becoming ill. What was the date of your last payment. No idea. I don't recall ever paying it. Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No I had a Vanquis card many years ago. Never paid it after about the first payment. Moved house 4 years ago never heard a thing from them until this arrived last week how they suddenly chose i am here i have no idea.. Glad i am or i wouldn't even know about it. I went online acknowledged and ticked the i will defend. Thanks in advance.

Name of the Claimant ? Cabot Financial (UK) Limited Date of issue – 12th August 2014 Date of issue 12.08.14 + 19 days ( 5 day for service + 14 days to acknowledge) = 30.08.14 + 14 days to submit defence = 13.09.14 (33 days in total) - What is the claim for – the reason they have issued the claim? By an agreement between CitiFinancial ("CFE") & the Defendant on or around 24/02/2005 ("the Agreement") CFE agreed to issue the Defendant with a credit card upon the terms and conditions set out therin. In breach of the Agreement the Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant on 02/09/2010. THE CLAIMANT THEREFORE CLAIMS 70XX.XX What is the value of the claim? £70xx.xx (~£7,000, exact figures disguised for forum post) Is the claim for a current or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? 24/02/2005 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Cabot and issued by them. However, Mortimer Clarke have signed as the Claimant (not sure if this matters?). Were you aware the account had been assigned – did you receive a Notice of Assignment? I do not have a notice of assignment. I have kept a few letters from Cabot, one dated 13/10/2010 asking for £6,4XX and advising of a home visit which didn't happen, follow up letter 17/12/2010 asking me to call them and 07/06/2012 advising me they had passed the account to Robinson Way with a letter attached from Robinson Way requesting payment. Nothing received from Mortimer Clarke prior to the Claim Form. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No. Why did you cease payments:- Was made redundant October 2008 and couldn't afford payments. Remained unemployed until September 2009 when I became a full time student for 3 years. Stupidly, I ignored all correspondence and buried my head! Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No. I have checked my credit report this morning (Noodle) and the account is listed under defaults. Lender- Cabot Financial (UK) Limited {Note: no mention of Citi Financial Limited} Opening balance £64XX.XX (Default balance the same). Current balance £70XX.XX with a default date of 31/07/2009. I do not have history of my last payment made to Citi Financial, although due to the timeline of my redundancy I believe my last payment would have been towards the end of 2008. I will now log on to Moneyclaim to acknowledge receipt and request the full 28 days to prepare a defence. In the meantime, I would really welcome some help. 1. Should I now send a CCA1974 request to Cabot Financial Limited? 2. And a CPR31.14 request 1 (credit card/loans) to Mortimer Clarke? 3. Should I send anything to Citi Financial Limited? Thanks for reading.

Hi all, New member, first post, so please be gentle with your replies I need sound advice on my next course of action. I have an alleged debt of £2.5k approx relating to a credit card. As a lurker on these forums for some time, I know a little about this process, so I wrote to Mortimer Clarke Solicitors previously and said the alleged debt is statute barred. To quote their reply: "You have alleged that the claim is statute barred. Section 5 of the Limitation Act 1980 provides that an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued." "The six year limitation period runs from the latest date on which:" "1. A payment was made towards the debt, or" "2. The agreement was terminated, or" "3. You acknowledged the debt in writing" "We are instructed that in this case the cause of action accrued when the agreement was terminated on 08/08/2009. Therefore the claim is not statute barred. If you disagree please explain why. Alternatively please find enclosed an income and expenditure form for you to complete and return". That's it. I don't know if the 2009 date is correct or not. What are your suggestions as to my next move? I have never acknowledged this debt in any way, and in my previous letter to them I asked them for a signed copy of the credit agreement which I have not received. So should I go back and repeat this request, and how should I word it? Any help will be greatly appreciated. Thanks.

hello everyone, i have had a county court from cabot and mortimer clarke regarding a JD williams account and have done the AOS, i have sent a cca request to cabot and allowed them the 12+2 days to reply and they have failed to do so, i also sent a cpr request to mortimer and they did reply saying that they will allow a 28 day extension. i have notified the courts and sent a copy of the extension letter via email which they confirm they received. My worries are about my defence. i got defaulted in june 2009 according to my credit file but am 90% sure this debt is statute barred but i cannot find any paper work to help back this up. now when i issue my defence i will initially state that cabot have failed to comply with the cca request and that i do not aknowledge this debt, but could i also add in the fact that i believe this debt is statute barred or would that contradict the fact i am saying i do not aknowledge the debt. any advice would be greatly appreciated Name of the Claimant - Cabot Financial (UK) Limited Date of issue - 27/02/2015 What is the claim for - By an agreement between JD williams T/A The Brilliant Gift Shop (BRIT) & the Defendant dated 21/03/2008 ('the agreement') BRIT agreed to issue the Defendant with a credit account upon the terms & conditions set out therein. In breach of the agreement the Defendant failed to make the minimum payments Due & the Agreement was terminated. The Agreement was assigned to the claimant. THE CLAIMANT THEREFORE CLAIMS 1.1119.31 What is the value of the claim - 1168.21 the claim is for a jd williams account(catalogue) When did you enter into the original agreement before or after 2007? After 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Cabot, Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? do not recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? not sure, 90% sure its statute barred What was the date of your last payment? see above Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? no

Hi Everyone I am new to the group and I need some help with a problem, please. By way of background my husband & I ran into financial difficulty in 2008. We closed our business (which was failing due to the recession) and put our house up for sale as we couldn't afford to pay the mortgage on my husband's new salary working for someone else. Our family were homeless for over 4 months before finally being given a local authority house where we are still living at the moment. We have had some letters from debt collection agencies but due to me having depression & anxiety I buried my head in the sand and rightly or wrongly I ignored them. We left our previous property in June 2008 and whilst I have always resided here and I have tried to keep up with most of my creditors and make payment arrangements my husband has not always been here. He has had to take work wherever he could which was all over the country (due to this we separated for some time) and he hasn't had any contact at all with any creditors. By no contact I mean no phone contact, no contact by letter/post & he has not made any payments in more than 6 years. We are trying to get back on our feet and have started a different business which is going well, our children are doing well at college & school despite the troubles we have encountered as a family and we are now looking to get a mortgage and hand this house back to the council for another family to use that is in need, like we were. Everything was going ok. I have joined Equifax some time ago to get in control of my finances and my husband more recently joined and there was nothing at all on his. No CCJ's, No Defaults, Nothing. However last week he received a CCJ Form from Mortimer Clarke Solicitors on behalf of MEIII who apparently have bought an old overdraft debt from Yorkshire Bank which belonged to my husband. So far we have been online to moneyclaim.gov.uk and have responded saying that he intends to defend the claim in full. Am I right in thinking that if there is nothing on his credit file coupled with the fact that we know he has had no contact for 6 1/2 years the debt must be over 6 years old/statute barred. I need to know how to correspond with MEIII to request any paperwork they have i.e the original agreement, default notice, assignment & formal demand for the money relating to this overdraft. Also I need to know what to put on the defence section of the form. I have some info from here and other websites but I just need to check it is correct before I respond any further. Any help & advice will be greatly appreciated, Many thanks.

I am in need of some advice if anyone can help I have received a Claim form about a debt from 2002. I took an argos card out and had difficulty paying. I just ignored letters at first as I was not in any financial position to pay ( probably not the best idea) I have made no payments or contact with anyone about this debt for at the very least 6 years. I even checked with Experian and my credit history was clean. I just thought it went away so when i was in a position to pay didn't contact them. Yesterday I received a Claim form from the County court and I am not sure what to do. It states By an agreement between argos card services Ltd (ARG) & the defendant on or around 19/06/2002 (the agreement) ARG agreed to issue the defendant with a credit card upon the terms and conditions set out therein. In breach of the agreement the defendant failed to make minimum payments due & the agreement was terminated. The agreement was assigned to the claimant there fore claims £xxxx. I have read about this statue barred but not sure if this applies now because of the Court Claim. Any help and advise how to deal with this would be a great help Thanks

In Oct,we received ccj papers for an old debt from egg. The claimant was Marlin and the solicitors was Mortimor clarke. I sent the court paper to the solicitors in Oct with a request contest jurisdiction as we had received no warning from anyone re the debt. Not even a 14day warning letter. We heard nothing until a letter dated 23 January from solicitors saying the ccj had been awarded by default. What do I do now? Should I have sent it to the court? Have I done it wrong, anyone advise? Regards

Hi, Very quick background before I ask a question.... Unfortunately back in Feb last year ME III Ltd got granted a CCJ against me to which I have been paying £25.00 per month since at the order of the Court. Today I have received a letter from MC Sols on behalf of ME III advising the following: ''You are currently making payment towards the debt owed to our client. The concessionary payment arrangement is due to be reviewed and we therefore request that you contact us within the next 7 days to discuss your current financial circumstances. It is important that you comply with this request. Alternatively, please complete and return the enclosed statement of means form and make an offer of payment within 7 days. Our client will consider reasonable offers of payment, based on what you can afford to pay from your disposable income and would not require you to pay more than you can afford. You should also note that our client may be willing to accept a reduced amount for a lump sum payment to settle the debt.'' Am I correct in saying that as the amount I am paying per month was set by the court that I can tell them to get lost? (politely of course)! I was going to email them and copy the court in to the correspondence but before I get going would someone more knowledgeable than me mind letting me know what they think / would do in this situation please? Many thanks in advance.

Hi, please help. Marlin/Mortimer Solicitors have issued a county court claim against me for a overdraft with Yorkshire Bank at least 8 years old. I`m not sure if the amounts are correct its that old and don`t know how to fight it. HELP NEEDED PLEASE

Been issued with a county court claim from Marlin, it is pre 2007 and tbh i had a few loans in quick succession from Northern Rock and i dont even know if its legitimate claim or they have mixed them up, i do not deny having loans with them but i am unsure with this claim the more i look at it 1,For a start they have sent letters and copy of the CCA the numbers are not the same 2,The statements they have sent do not add up to what they claim 3,On every apr calculator i try the amount stated on the CCA is incorrect 4,There is no terms 5, No cancellation notice 6, No credit limit I think its a balls up big time but i am after any legal advice please I have enclosed the County court letter, the credit agreement and the terms they sent separately i 100% did not get these or the cancellation letter mentioned. The statements show debt written off in 2009 and the account number in all correspondance has 2 digits more than on the actual CCA All legal help appreciated, i am going to send a cpr31.14 and acknwledge service n Monday (hopefully) ty [/url]

Wow what a horrendous few days, im in desperate need of advice and after stumbling across the site i hope and pray you guys can help me, Its a little long winded but i will try and keep to the facts and not ramble on in frustration Logged onto check my file to see a CCJ issued on the 27th nov 2014 (mortimer clarke) Called the court listed on credit file, to tell me the debt etc £3,379 from a car finance agreement through online finance (gmac) 2001, COURT LETTERS WERE SENT TO AN OLD ADRESS, when speaking to mortimer they state that is the address they have for me, so bear that in Mind Car was repossessed approx 2005 here is where it gets interesting the issue for me is in 2009 i made some payments to marlin then i moved address and updated marlin of this address to which is where i live now STILL THIS IS THE INFO I HAVE COLLECTED FROM MARLIN TODAY ON THE PHONE November 2011 i contacted marlin via post to rearrange payments, they have this on their system December 2011, letter from Marlin stating they have received my letter of offer for £10 a month again and enclosed expenditure forms, THE ADDRESS ON THE LETTER IS THE ADDRESS WHERE IM STILL LIVING NOW February 14th 2012 I posted to marlin the expenditure forms back and the completed direct debit mandate ( this was sent first class recorded, also showing on marlins system February the 22nd 2012, A computer system error at marlin has changed my address to one from 2002????, as quoted by a member of staff today it looks like a computer error in 5 days of them receiving the expenditure and mandate the address has changed on the system by itself lol March 5th 2012 a letter has been sent to the address that system has changed from 2002, to let me know there has been an error with the mandate!!! All this time ive been under the impression that the £10 a month has been paid out of my husbands account, never checked to be honest After failing to get hold of me regarding the direct debit mandate issue a letter was sent to really old address (REMEMBER SYSTEM CHANGED MY ADDRESS AND I HAVE CORRESPONDENCE FROM MARLIN WITH MY CURRENT ADDRESS ON) they passed the debt onto Advantice then onto Ruffbrige now in the hands of Mortimer clarke who issued the ccj at another old address that i have not lived at for 6 and a half years, claiming that they had no details on my current address I have been lucky enough to speak to lovely chap at Marlin who gave me all of this information If the ccj would have been issued to my current adress i would have sorted this, for as far as i was concerned it was getting paid, due to the system changing my address ive been issued with a CCJ I want to get this set aside as i feel like this is sooooo unfair Please help me

Hello, First post and I'm afraid it's for advice. I had issues in 2008 leading to me defaulting on 3 accounts in the latter half of the year. Whilst one has now dropped from my Equifax/Experian screen (so irrelevant) one remains and the other has never shown. The one that remains is for a credit card debt and is due to drop off on 23/12/14. According to my credit report, this debt (started Oct 2002) was originally valued at default to be £1000 and currently valued at £140 - though has not been serviced or acknowledged by me in any way since the default date. However, the R*tsons letter states a sum of £1000+ with a payment deadline of 12/12/14 before court proceedings are initiated. The other debt (an unsecured loan from 2006) which does not show on my report - and frankly I had forgotten I had - is for £700+via M*rtimer Cl*rke. The deadline for this is 10/12/14. Both letters arrived yesterday. I do not have any paperwork for either agreement - so in respect of the latter debt, I cannot confirm a default date. What is my path now? Do I sit on my hands and hope they are chancing their arm in a last gasp bid for recovery? Why such a discrepancy in figures for the first debt? If I contact either party, am I acknowledging the debts and risking extensions to their activity span? Can I delay any proceedings until the six year limit is up? It is so close. The latter debt is a concern as, whilst I don't have a definite default date I cannot be sure how long they have. Though as I defaulted on all debts simultaneously, it will be close to the limitation. I must confess to being a little panic struck by this as my financial record since the default has been faultless and I've actively protected what tatters remained of it, in the hope of starting afresh from my mistakes. A CCJ would be devastating. Any advice would be welcome and actively pursued.

Ok this is new, after being told that no dca will take you to court, this happens. Just received a claim form from Northampton county court regarding a aqua credit card debt 'assigned' to cabot financial (uk) limited. I have already started the defence process of acknowledge form with Mcol, cca request from cabot and cpr31.14 from mortimer. Could anyone explain why dca's are now doing this (as I am aware I am not the only one) I know that I will get all the assistance from the more knowledgeable members of this great site that has helped me before, so in advance thank you J