Mortimer Clarke chasing after many years

rose28454

Many years ago ( about 2007 ) I got into trouble with a Marbles credit card and ended up with a Ccj ( I think this was between me and HFC - who owned Marbles ) for about 8k ( no judgement please I was in a terrible place ). 

As I was in a terrible place ( drowning in debt with an alcoholic husband who drank most of our money ) it got to the ccj point. I responded to the paperwork and made an offer of a small amount each month towards the debt but they did not respond they went straight for a charging order against our house and I don’t think I made any payments ( or at least only a few - can’t remember )
as the house is jointly owned with my husband I know it’s not a charging order but a restriction and when the house is sold ( either if we downsize or upon our deaths ) it will be dealt with at that point. 

In the last few weeks they have started harassing me ( multiple calls every day ) and they sent a letter saying they would accept about 2.5k in settlement but I would still owe the rest of the money 
where do I go with this and thanks in advance for your help. 

sourcrates

Well that doesn't make sense, are they offering you a settlement or not?

To say you would still owe the balance is ridicules, who would make a deal based on that?

Honestly, as its simply a restriction, they can`t do anything with this, as the CCJ ran out of steam decades ago.

I would just ignore them, block their calls, letters make excellent recycle bin fodder apparently.

They are hoping you will crack under pressure, as far as I can see, they can`t bring any pressure to bare.

rose28454

Thanks for the reply. I’ve just dug out the second letter they sent me earlier this month ( I had forgotten this letter) where they asked me to set up a payment plan. 

I notice the current creditor is MCE Portfolio Ltd and the original creditor as HFC ( as I said ). 

Does that make a difference to them chasing me? 

Grumpelstiltskin

It doesn't matter who is contacting you the answer is just the same, do as sourcrates said block all their numbers, just look at any letters they send, if you are not happy with anything they say in a letter come back for advice.

rose28454

Grumpelstiltskin said:

It doesn't matter who is contacting you the answer is just the same, do as sourcrates said block all their numbers, just look at any letters they send, if you are not happy with anything they say in a letter come back for advice.

Thanks I’ll just keep the letter in my file and keep blocking their number. I’m made of strong stuff luckily 

sourcrates

In these situations there is nothing they can do, as the CCJ is now unenforceable, and the charge is just a restriction, legally, its not going anywhere, but they don`t want you to know that.

rose28454

After my posts last week I blocked the different numbers they called on after not answering. However I seem to get a message left everyday on my voicemail and just now I got a message from a 0345 number and it was them . How to proceed ? Continue ignoring or shall I send a cease and desist letter ?

rose28454

I’ve blocked every number that they’ve called me on but every day in my voicemail box there is a voicemail from them. It’s incessant 

RAS

GDPR??????

sourcrates

As above, write to them and inform them that under GDPR, you must now insist on contact being in writing only.

They are obliged to cooperate.

rose28454

sourcrates said:

As above, write to them and inform them that under GDPR, you must now insist on contact being in writing only.

They are obliged to cooperate.

Thanks for the advice. Would that mean I’m opening the door to them as I’m contacting them. Thanks again