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Is this a "letter before action" from Mortimer Clarke
Hi all.
I have received a letter from Mortimer Clarke Solicitors in which the header states:
"We have been instructed by Cabot to take legal action as you haven't paid your debt, you need to contact us to avoid a court claim being issued against you."
They "offer" two options, pay in full £2316.02 or pay by instalments.
As some of you may know, I have actively defaulted on my unsecured debts due to insufficient income and so have been dealing with the likes of Cabot, Link and Lowell for over 6 months.
Mortimer Clarke have had a recent SoA from me with explanation of my financial circumstances but it has obviously been ignored.
How best should I deal with this latest letter?
Comments
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Is there a document for you to fill in, to ask for further details etc, with a 30 day return window?
If not, its not an LBA.
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Some parking firms are just directing you to the statutory forms on their website which I think is non-compliant. But this doesn't sound like a LBA to me
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Thanks guys. So just a typical tactic as per usual. I'll respond as appropriate and see what they do.
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If this was a loan, credit card or HP agreement, I suggest you ask them to produce the CCA agreement for the debt. the law is being changed and this may not be so easy in future
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