F&F settlement letter offer or CCA . Not sure where to start. Thanks

wakeupcall

Sainsburys update - email from Cabot financial 05/02/2025 Sainsbury’s are unable to provide CCA although account is currently unenforceable, balance remains payable.
14/02/2025 letter from Westport to say client has withdrawn the account from them.
12/03/2026 letter from Mortimer Clarke Solicitors to pay amount to avoid court and be issued with a SCD.

Another letter today from Mortimer Clarke Solicitors to act now or legal action will

Commence and the balance will

Increase acting on behalf of Cabot Financial ltd
letter is also marked Zone C

Do I just ignore this.

many thanks

fatbelly

Sorry is this all one debt? How do MCS think they can enforce an unenforceable debt? And what is an Scd? Ignore everything except a formal Letter before action

wakeupcall

Thanks yes it’s all the one debt regarding Sainsbury’s. It’s been passed between, Cabot, Westcot and now 2 letters from MCS. It fell off my credit file in 2019. SCD Scottish Court Decree.
I have attached the letter from today is this a formal letter?
many thanks

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wakeupcall

The top letter from Cabot and the bottom letter from Westcot. Never heard anymore from Feb 2025 until March this year from MCS. Thanks

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fatbelly

I am not an expert in Scottish law so i am not even sure if the preaction protocol applies there. That wouldn't pass under English law. Let me check National Debtline.

Apparently it doesn't apply in Scotland

England: https://nationaldebtline.org/get-information/guides/pre-action-protocol-in-the-county-court-ew/

Scotland: https://nationaldebtline.org/get-information/guides/sheriff-court-action-s/