Mortimer Clarke income and expenditure form

agentblackcat

Hi everyone

I have made a payment offer to Mortimer and Clarke solicitors for a MBNA debt. They are insisting I need to complete an income and expenditure form. 

I have told them in an email what I want to pay £15 per month. This MBNA debt was a debt where I won a case for unaffordable lending. In the note from from ombudsman. They say MBNA need to work with me for an affordable payment plan. I don't particularly want to fill in this sheet as it asking about my property and personal details. Can I just start paying the amount rather than complete the form? 

Thanks

Grumpelstiltskin

Yes you can, they can't force you to complete an I & E.

You can if you like fill in an I & E that isn't honest and you doctor it to arrive at only being able to pay £15

MattMattMattUK

You can, but they could also take the legal route to discover the debt if they feel you are not cooperating.

sourcrates

Remember, this is all just a game to play with them, the form is just a means to an end to get what you want.

Just fill in the bits that are relevant to you, so it looks as though you gave it some thought, and make certain it shows £15 is all you can afford, its quite easy really, you don`t have to back it up with proof, you only need tell the truth if you are in an insolvency solution, otherwise anything goes.

Just use your imagination, they have to send out these forms to show they are doing due diligence with regard to affordability, its a box ticking exercise, nothing more than that.

tigergambit

Don't overthink this - principal reason they want these forms is to prove that they have followed due care. Just make one up as Sourcrates says, but be sure to keep a copy so that you can adjust it for next year.

agentblackcat

Thank you everyone