Cabot / Mortimer Clark chasing cat 'debt'

[nonymouse]

Hi All

 

Advice gratefully received on this one, please.

 

I have receved a letter from Mortimer Clark this morning, threatening court action and a CCJ for a small catalogue debt.

 

 

They've inclosed an income and expenditure form for me to return and fill in.

 

The debt is set to become statute barred (and therefore drop off my credit files I assume?) in March next year,

 

 

I'm obviously pretty concerned that getting a CCJ

or starting a paymnt plan is just going to put a black mark on for yet another six years when I thought things were almost clear.

 

What do I do now?

Take the hit and pay the debt?

 

 

Ask if they'll accept a full and final?

 

 

Will this clear it from my credit file or restart the reporting?

 

 

Or should I CCA?

 

This case is further complicated in that a friend of my family works for Mortimer Clark

- I really don't want to risk him seeing my income and expenditure details

and/or finding out about my personal circumstances that have lead to the debt I'm now in

 

Thanks in advance.

[renegadeimp]

CCA them and get reclaiming.

[nonymouse]

CCA them and get reclaiming.

 

 

Ok. I'll send a CCA letter today. Assume it's still a £1 postel order?

 

Reclaiming what?!

[dx100uk]

£12 late/over letter etc.

[nonymouse]

Just to update, Mortimr Clarke has writen to me today to say they've put my account on hold while they request the required documents from the origninal creditor. So we'll see what happens when that arrives!