Backdoor Cabot/Mortimer CCJ - old Vanquis Card debt - old AEO now +6mts old and struck out..keep chasing me

[dx100uk]

original creditor.

 

if its vanquis  you'll have ROP [PPI] to reclaim here..

[Lukather]

Thanks again - I will read up on that - have always assumed I would not be able to claim because I was unable to keep up repayments and defaulted. - thanks

[ericsbrother]

they will have to go back to court to try and get any money from you and then you can offer £1 a month and the judge will probably tell them to accept it and ask you to let them know if your circumstances change.

It will cost then 5 years worth of payments to get that order so make sure that you do inform the court of your financial circumstances IF they issues a new court application

[Lukather]

Thanks ericsbrother - will bear this in mind - hopefully they will decide against going back to court - thanks

[Lukather]

Hello all
Just received another letter from Mortimer Clarke this morning stating :

We are instructed by our client to close your account.

Your account has been referred back to our client and your debt remains outstanding.

Our clients agent will be in touch in due course, as appropriate.

 

Not sure who/what the 'clients agent' is

- does this mean they are going back to County Court/Bailiffs option?

As I mentioned earlier I have a court letter from 2016 stating the attachment of earning option appears to have been struck out.

Would appreciate any ideas/advice please - thanks

[dx100uk]

if you read their letter properly...

their client is cabot.

 

not sure where you are getting this wild idea they can send bailiffs.

they LOST in court over the AEO .

 

 

 

 

[Lukather]

Thanks dx - I realised the client was Cabot - just 'clients agent' had me thinking that was a separate body and it sent the stress levels up again -  Thanks again for putting my mind at rest - thanks

[Andyorch]

Topic open

[Lukather]

Hello All - 

I have received another letter from Cabot Financial a few days ago June 2021 regarding the above debt and asking me to contact them to set up a repayment plan.

It starts

' Thanks for opening our letter you've completed the first step in taking control of your account. Taking the next step in contacting us can be scary but we know once you do it'll put your mind at ease.'

 

As far as I am concerned the debt was struck out by the court back in Sept 2016 so I'm not sure why they are trying again.

 

Is this letter just phishing for a response from me or can I send them a letter asking them to stop contacting me. 

 Would appreciate any advice

- Thank you

[Andyorch]

Quote

Thanks for opening our letter you've completed the first step in taking control of your account. Taking the next step in contacting us can be scary but we know once you do it'll put your mind at ease.'

 

File and ignore that will put your mind even more at ease.

 

Andy

[Lukather]

Thanks Andy - your advice has put my mind at rest - much appreciated - thank you

[Lukather]

Hello All

- I have just received another letter from Cabot Financial dated 14th August

- They state that because they have been unable to contact me they are instructing a company called Resolvecall to visit my home.

 

have seven days to get in touch with Cabot or I will receive a visit from Resolvecall.

It's taken five days for the letter to arrive at my home.

I thought this problem was over a couple of years ago.

 

Would appreciate any advice - thanks

 

Edited August 19, 2021 by dx100uk
spacing

[dx100uk]

std practice if you go self help and read a few cabot/resolvecall threads already here in this predominately self help forum.

 

IF resolvecall do appear.

film them on your phone.

do not engage

tell them to leave your property never to return else you'll call police 101.

 

a dca is NOT A BAILIFF and never ever can be.

 

dx

 

 

 

[Lukather]

Ok - thanks for the advice dx - will sit tight.