Starting DMP

Beck50

Has anyone dealt with Cabot or Mortimer Clarke Solicitors.
My preference is email communication but they ignore and just keep ringing.
I've paid 9 of my 11 creditors by standing order this month as I take the DMP on myself, I've messaged some of them and so far ok, but not these people,  whether it's automated or not its annoying they keep ringing. 

fatbelly

Beck50 said:

Has anyone dealt with Cabot or Mortimer Clarke Solicitors.
My preference is email communication but they ignore and just keep ringing.
I've paid 9 of my 11 creditors by standing order this month as I take the DMP on myself, I've messaged some of them and so far ok, but not these people,  whether it's automated or not its annoying they keep ringing. 

So are you saying that these are the two that you haven't set up standing orders for? Or just that they keep ringing?

If you don't need to talk to them because there is nothing to discuss then you need to block their calls

Beck50

They were the first ones I paid just over a week ago, I have tried as mentioned by email to let them know but just keep getting calls and text with messages attached that must send them confirmation that I've read there letter, they sent one again the other day but won't press the attachment. 
But these are the ones that were giving me 7days to reply, then 21 days and then 35 days, threatening possible court  action/ccj against me if I didn't reply, but being solicitors I assumed this was more serious, but have made a payment and will do so every month until I can increase my payments. 

fatbelly

Beck50 said:

They were the first ones I paid just over a week ago, I have tried as mentioned by email to let them know but just keep getting calls and text with messages attached that must send them confirmation that I've read there letter, they sent one again the other day but won't press the attachment. 
But these are the ones that were giving me 7days to reply, then 21 days and then 35 days, threatening possible court  action/ccj against me if I didn't reply, but being solicitors I assumed this was more serious, but have made a payment and will do so every month until I can increase my payments. 

Generally all these deadlines and threats mean nothing.

The only thing you would need to react to is a formal preaction letter with reply form.

I can't post an image but it starts

REPLY FORM

YOU HAVE 30 DAYS FROM THE DATE AT THE TOP OF THE ENCLOSED LETTER TO FILL IN AND RETURN THIS FORM. IF YOU DON’T, IT COULD RESULT IN COURT PROCEEDINGS.

If you have any questions or would like to discuss the debt, please call the business that sent you this form as soon as possible.

SECTION 1: Do you owe the debt?

Beck50

It's states urgent action required, saying if we don't here from you within the next 26 days we have been instructed to start legal action.
Well I tried emailing and got an automated reply stating we will get back to you within the next 14 days but they don't.
So I wanted to start my payments and this gave me the nudge to do so, but it seems they will only talk and not respond to emails or letters?
The letter was dated 30/10/23, really can't understand why they aren't replying.

fatbelly

Beck50 said:

It's states urgent action required, saying if we don't here from you within the next 26 days we have been instructed to start legal action.
Well I tried emailing and got an automated reply stating we will get back to you within the next 14 days but they don't.
So I wanted to start my payments and this gave me the nudge to do so, but it seems they will only talk and not respond to emails or letters?
The letter was dated 30/10/23, really can't understand why they aren't replying.

It's a standard threat-o-gram. Means nothing.

You are making payments to them. There is nothing to discuss

sourcrates

Beck50 said:

It's states urgent action required, saying if we don't here from you within the next 26 days we have been instructed to start legal action.
Well I tried emailing and got an automated reply stating we will get back to you within the next 14 days but they don't.
So I wanted to start my payments and this gave me the nudge to do so, but it seems they will only talk and not respond to emails or letters?
The letter was dated 30/10/23, really can't understand why they aren't replying.

It`s like when companies stamp a "best before date" of April next year, on a bottle of water that`s been circulating through mountain passes for the last 20,000 years, these silly deadlines mean nothing.

The sole purpose of these timescales is to persuade you to initiate contact with them, and as it purports to invoke a sense of urgency, they usually want you to ring them, where they can have you at their mercy, that`s what it all boils down too.

They want quick, easy payments to be taken, not get bogged down in paperwork and emails, the phone is the debt collectors number one weapon of choice, as it allows them into your private world, where you feel safe, and they take full advantage of that.

As fatbelly said above, the only timescale you need adhere to, is the 30 day pre-action letter, as that is set by statute, not some dodgy debt collector.

Beck50

Thanks, even though Mortimer Clarke are a solicitor but still part of Cabot.
Would the letter state Pre Action?

fatbelly

The letter has statutory wording. Part of the preaction protocol for debt claims introduced in 2017

They are not allowed to start a claim till they've issued one