Moriarty law today chasing CashPlus debt that was written off 21/9/19

Draususuk

Hello,
Please excuse me i suffer from PTSD, anxiety disorders and panic attacks.
Last year in July i was working with oposlimited to settle this debt, they advised due to my medical condition that I should send medical evidence to themselves and cashplus,
I then spoke to cash plus over the phone about my debt and was asked to send medical evidence to proof that i was currently unwell and unable to make payments as i only receive ESA support group allowance, i had to send a mental health assessment and my diagnostics letter, this was sent in July, 3 months later my mother passed away due to cancer which made everything impossible for me to deal with, i found it hard enough because of my disorders which i am currently undergoing treatment for. In September I received a email from opodlimited stating that the account had been passed back to the client, so i phoned cashplus again and was yet again asked to send evidence. on the 21st i received a phone call from cash plus to advise that the debt had been written off.
Today i opened a letter that was received yesterday from Moriarty law saying that they have been instructed by JC international to recover the sum of £342.36 and that this is a pre-action protocol warning me that they will begin court proceedings if the debt remains unpaid and if i do not respond within 30 days.
The letter also states that cash plus assigned the debt to JC international on the 14/12/2018 and written notice of the same was given to me on the 5/2/2020 (this i never received and the time scale there seems very strange)
The fact that the letter states that written notice of the same was given to me on 5/2/2020, but the debt had been settled with cashplus before that date (21/9/19) would this give me justification to not pay JC International?
I have spent the last 9 hours in complete panic and have searched all over the web for similar story's to try and calm me but have not been able to do so. 
I am unsure if the debt was sold to JC International on 14/12/2018 as i was never advised this, to be honest i thought it was a cash plus company so never connected the 2 until going through my manic panic attacks today. What i do not understand is if it was sold why would cash plus have asked me to send all of my medical evidence, first in july and then September, and to the phone me to say the debt had been written off, i did ask for a letter conforming this to be sent but that never came, and to be honest my mind was in a very bad state at that time and was near suicidal thoughts.
Can anyone give me advice on what the correct steps to follow should be, and if this sounds correct being asked to now pay if it had indeed been sold to JCI,  I just do not understand why cash plus would have asked me for all my medical evidence if it had been sold at that time. Sorry if i have not made this clear I am finding it very hard to focus right now.
thank you 

sourcrates

Hi,

Debts get sold all the time, these companies have many different departments, not all of which know what the other is doing.

When you were told the debt was written off, they probably told you that in error, its quite common when you phone these people as they don`t have a clue whats going on half of them.

In-fact it was not written off, it was sold, hence the letter you have now from the old Moriarty law boys and girls.
Try not to panic, its only a few hundred quid, and wear as a CCJ can be a burden, its not in-itself the end of the world,

What has gone on before is in the past, and you need to focus on the present right now, in the letter you have, there is a box to tick to provide evidence of the debt, i suggest you tick that box and deny any knowledge  of the account, that way they will have  to provide evidence of your liability, which will take some time, and give you some thinking space.

Worst case scenario, the debt is proved against you, and you repay it at a rate you can afford according to your budget, even if its just £1 a month, nothing bad can come of this, its just one of those things, try not to let it wind you up, it can be dealt with easily.

Fireflyaway

I had a similar letter from moriarty law. I think they chose their name and use this wording in their letters to make it sound a bit scary in the hope people will pay up! Try not to worry, I found them pretty easy to deal with. Just explain your situation and offer a small monthly payment. My debt was about £450 and they accepted £2 a month. Funny thing is I set up a standing order for moriarty law and moorcroft. When I logged into my bank sometime later, I noticed the auto spell had changed the names to ' mortuary law' and Moorcock group!!! Made me chuckle. 

Draususuk

thank you that helps me a lot, i know this sounds silly to most people but i have just been shaking all morning and afternoon, a few panic attacks, heart racing like mad not knowing what to do. Knowing you found them easy to deal with helps, I think i will contact cashplus first to see what they say about it, and if they are no help i will contact Moriarty and give them copy's of my medical assessments that i have recently had. 

sourcrates

Your debt has been sold, deal with the new owner, anything else is a waste of your time.

Galloglass

What has gone on before is in the past,

Yes, and the past for up to 6 years is recoverable through a Subject Access Request to the creditor. Ask for copies of the calls they claim they record around the time they call you. "Mistakes" may be detailed in your SAR.