Cabot/Mortimer Clarke/Restons Notice of court proceedings

[exalto]

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.

Edited December 6, 2014 by exalto
security

[dx100uk]

if these are the first fleecing letters you've had

I'd not respond in any way.

 

 

sound like std threat-o-grams trying to get you to respond

 

 

don't forget all these DCA's etc etc

ARE NOT BAILIFFS

and have

no SUCH LEGAL POWERS

 

 

you can always fire off a CCA request later.

 

 

if you want

scan up the letters...

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

.

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

[AndyOrch]

Thread moved to the appropriate forum.

 

Andy

[exalto]

Thanks for your quick response DX.

 

I've attached the letters as PDF's. Hope they've come through ok.

Edited December 6, 2014 by exalto
security

[dx100uk]

those are two standard threat-o-grams

filled with if.but.might.instructed.could.minded

etc etc

they have been seen many times before.

 

 

await the next letters

then poss CCA them.

 

 

what were the original debt types and who were the original creditors?

 

 

dx

[oleg]

Post #1 : The £140 is just an admin error, surely? Someone didn't key in the final digit. And interest has - rightly or wrongly - accrued since, enabling Restons to jack it up to their stated amount.

[exalto]

I'm currently off work with a concussion, so my brain is a little addled.

 

OK, I've done some digging with the bank. I've ordered statements from 2007 - 2011 for a clearer picture.

 

The MC debt (£740) is definitely not the one listed on the CRA's.

 

It is however a debt that, it seems, i tried to maintain sporadically through to 2011 via C*bot.

 

 

This is of greatest concern as I'm unclear now about its true default date.

 

 

Would I be wise to enter a negotiation with MC now and perhaps reduce this debt with a view to paying it off.

 

If I do this, will it affect the live status of the debt?

 

 

Will it show on my credit file all of a sudden?

 

 

What should I aim for as a settlement?

 

As both debts are linked to the same DCA, will settling one trigger them into stepping up recovery of the other, larger debt? Like breaking cover.

 

Maybe I should sit on my hands until my statements arrive and root through them.

 

 

Should I wait to see which shoe drops first - the court proceedings or the default removal?

 

The main worry I have is that my credit file is almost healed and I don't want either of these to damage them.

I'm most confused that they aren't on there now.

 

It's all very distressing. I've tried so hard to pick myself up from 2008 and I'm scared I'm going to fall at the last hurdle. I was an ostrich, I know.

Edited December 5, 2014 by exalto

[dx100uk]

I hope you did an sar for £10 for all - not paid per statement?

 

 

dx

[dx100uk]

on the rest of it slow down....

 

 

there is always the CCA request route.

 

 

I certainly wouldn't go rushing into any negotiations or contact on a first letter phishing attempt.

 

 

dx

[dx100uk]

the one you paid in 2011 will not be statute barred then for a good while

regardless to the default date.

 

 

it would be nice to nail down what these debts are

and who were the original creditor.

 

 

put the headless chicken to bed too.

 

 

dx

[exalto]

Thanks to all of you.

 

Solid advice here. I know I've freaked a little. Shock etc.

 

A clearer head tomorrow. I'll regroup and get prepped before moving on anything just yet.

 

I really appreciate your help and attention. I'll see you again with a clearer picture.