Help with cabot/mortimer clarke and 2 old CAT debts

[Undevoted]

Hi everyone,

 

Really hoping someone can help me.

 

I received a letter from cabot regarding 2 accounts that they have in my name for fashion world and jd Williams,

 

I had payment plans set up on these but to be honest don't remember that, when I asked them for proof they told me that as I had plans set up I was not entitled to proof as that was the proof.

 

Now these plans were last paid last year and today I received a letter from them telling me that mortimer clarke solicitors will be in contact in the next 7 days. 

 

I have severe anxiety and adhd and I'm worried sick about what to do next, please can anybody help me and give me some advice?

 

Thanks in advance.

[Homer67]

Stop worrying, there is very little the DCA can or will do, it's all empty threats. I expect the advice will be to send them a CCA request but wait for the experts to respond.

[dx100uk]

a dca is not a bailiff on any debt!! zero legal powers to demand anything!!

 

you say you last blindly paid them last year

who told you to do that?

 

when did you take the catalogue accounts out?

do they show on your credit file?

 

dx

 

[Undevoted]

I received a letter from them last year and set up a payment plan for £5 per month, I think they were taken out 2 years ago and yes they are on my credit file.

[dx100uk]

Well next time dont panic when a dca or their dogs contact you!!

 

a dca is not a BAILIFF

and have

ZERO legal powers on ANY debt - no matter what it's type

 

was this done on the phone or by letter?

 

did you have buy no pay later items from both cats?

 

Dx

[Undevoted]

I wish I hadn't panicked, easier to say than do unfortunately, they were buy now pay later as far as I remember and the last payment made to cabot was November last year 

[dx100uk]

BNPL items and the excessive interest they suddenly lump on an A/C have now all but been outlawed.

 

pers i'd just ignore everyone now unless you get a letter of claim.

 

then comeback here.

 

do a bit of reading up here too on say old cat debt threads.

 

dx

 

[Undevoted]

Thanks, I was just worried as the solicitors sounded official and I didn't want them showing up on my door step or sending bailiffs round. 

[dx100uk]

Where did you ever get those ideas from?

 

As I pointed out earlier, a DCA is not a BAILIFF and bailiff s can only ever get involved on a consumer credit debt after they have successfully taken you to court, got a ccj, (fat chance!!) And you don't settle the debt within 30 days of any judgement or fail the judges payment £pcm order  

 

And even then they would have to return to court and ask the judge to send court bailiff s, and they are powerless to all intent on consumer credit debt as there is no right of forced entry 

 

You really have been swollowing a whole load of fake DCA bs they imply in their fake threat letter s and over the phone??

 

Dx

[Undevoted]

I'm sorry but I came to this site for help and advice because I have never had to deal with this before,

 

I don't think that your replies have to be so rude, I was only looking for advice

 

as like I stated I suffer from mental health issues and yes, these things can be scary to those who do not know about them. 

 

 

[dx100uk]

Good now you know..

 

Dont trust a dca.ever they lie!! Esp on the phone!!

 

Await if/when you ever get a letter of claim then comeback here.

 

Dx

 

[Undevoted]

Hi,

 

After recieving advice I sent mortimer clarke prove it letters and this is the response I recieved today. I'm unsure of how to take this and what to do now.

 

 So far they have had 2 letters from me asking for the same things and now this letter saying that they done need to prove anything and I have no right to see private documents. 

 

Any help would be appreciated 

[dx100uk]

threads merged

we didnt advise to send a prove it letter at all, - why did you start stupid pointless letter tennis?

we said await if/when you ever get a letter of claim.....

 

have you got a letter of claim for either debt yet?

 

dx

[Undevoted]

I have not recieved a letter of claim yet, no

 

I just worry about it going that far and getting the bailiffs involved, I have mental health issues as well as being a carer and that is my biggest concern.

 

Edited October 19, 2022 by Undevoted

[dx100uk]

Bailiffs???

 

As I said before, where are you getting this stupid idea they can ever be involved 

 

Stop panicking about nothing.

 

Re read your thread carefully.

 

And other like threads here .  

 

Until you ever poss get a letter of claim, sit on your hands,!!!

 

Dx

[dx100uk]

On 30/08/2022 at 16:27, dx100uk said:

Where did you ever get those ideas from?

 

As I pointed out earlier, a DCA is not a BAILIFF and bailiff s can only ever get involved on a consumer credit debt after they have successfully taken you to court, got a ccj, (fat chance!!) And you don't settle the debt within 30 days of any judgement or fail the judges payment £pcm order  

 

And even then they would have to return to court and ask the judge to send court bailiff s, and they are powerless to all intent on consumer credit debt as there is no right of forced entry 

 

You really have been swollowing a whole load of fake DCA bs they imply in their fake threat letter s and over the phone??

 

Dx