Charging Order monies being chased

loyalroyal50

Hi. I sent off my vulnerability letter via e mail and hard copy in post (posted copy on here). I received a letter from Engage services today saying if I don’t contact Mortimer Clarke within 7 days they will be visiting to put me back into n touch with MC. Not really sure what this actually means though. I think/ hope these letters have crossed paths. Can anyone advise that if there is a restriction with charging order like MC have stated would they have been able to buy this debt from the original creditor and then enforce it without going back to court. I read that engage are part of Cabot who have been taken over  by Marstons. Thanks. 

fatbelly

Depends what you mean by enforce.

If you mean an order for sale then they could apply but would have zero chance of success.

If you mean bailiffs then that is allowable, but as we have said before, they must use your friendly local court bailiff, not the Marston ones.

If Marston have taken over Cabot that is news to me.

loyalroyal50

 Maybe I read that wrong aboutCabot sorry if I misled anyone. Do you think I should just sit tight now and see what MC do next. I have given info re vulnerability and financial situation. 

fatbelly

loyalroyal50 said:

 Maybe I read that wrong aboutCabot sorry if I misled anyone. Do you think I should just sit tight now and see what MC do next. I have given info re vulnerability and financial situation. 

Yes I do !

loyalroyal50

Morning. Lo and behold just had visit from Engage. Completely unannounced and arrived at same time as my daughter and nearly got in. Did manage to speak to him. He was actually very pleasant and just asked me to get in touch with Mortimer Clarke and put letter in the door. Didn’t disclose who I was but he did want details and he took photo of Letter going into postbox. This visit took place despite me emailing and posting letter to MC. I only received letter from Engage yesterday too. 

fatbelly

What an expensive way to send a letter! Mind you the post is so expensive now,  maybe we'll go back to it.

loyalroyal50

That was a visit from Engage the letter yesterday was from Cabot saying they were going to visit too. As MC have been sent email and signed for letter should I email them to say further visit would be considered harassment. 

fatbelly

Obviously if there's a regular pattern of doorstep visits or ignoring your reasonable requests then that becomes the case.

There is a useful factsheet here that explains the rules that they may be breaking

https://nationaldebtline.org/fact-sheet-library/harassment-by-creditors-ew/

loyalroyal50

That that was a really helpful article. They sent Engage and are now sending Cabot. I’ve contacted in timeframes specified in letter. The visit this morning was stressful as they arrived at same time as my daughter so and my husband who has dementia was also in earshot so was really difficult. But as I said he was very pleasant and tactful and left after putting letter in post box. Am sure not everyone will be the same. 

loyalroyal50

Following on from my recent thread. I did get a reply from MC by email but they were asking me for reference no which was on my letter. They also wanted full name, address ( which they have as they wrote to me) previous name and addresses and my DOB. I just sent back stating that they had all information they requested. They also wanted work mobile and home phone number which I declined to send and stated that only wanted to communicate via email or letter. 

I also asked them to confirm receipt of the signed for letter. As they had already sent an agent from Engage asked them to confirm that they would not send further agent from Cabot. These were getting back from n touch visits. Asked for details of their “client” who they allegedly act on behalf of so I could send them a copy to f my vulnerability letter. Hope I covered everything.