Hi was just wondering if anyone could point me in the right direction in regards to a letter I received from Mortimer Clarke. I was sent a letter last October saying that I owed money and needed to make contact to avoid a claim being entered against me. I then sent out a cca request on October the 10th had proof and confirmation that it was received. I then sent out another letter template off another website (don't know if I can put there name)? Saying that I had still not received said cca request and that the account was unenforceable until such time this was sent and received 31st October. I then sent another template a section 10 notice I think? That was sent 15/12/14 and received. I heard nothing back apart from all information has been requested from the client which is marlin.
The debt has dropped off my credit file I defaulted around January 9th 2009 and made no payments since that.
I then receive a letter dated 19/2/15 from Mortimer Clarke with the cca and a letter stating that the clients position is that the debt is enforceable as they have complied now with section 77/78 request. They have also said that they don't agree to cease processing data in relation to 10(2) data protection act 1998 and then quote it.
They go onto say that they don't consider the processing of my data to be unwarranted and that their client has a legitimate interest in the recovery of the debt.
I know it is a bit long winded but my questions and help needed are, is it statute barred? and is the debt now enforceable or are they trying their luck with it as they didn't send the cca on time? Any help is greatly appreciated or am I best in paying to see a soliciter as it is too complicated?
The debt has dropped off my credit file I defaulted around January 9th 2009 and made no payments since that.
I then receive a letter dated 19/2/15 from Mortimer Clarke with the cca and a letter stating that the clients position is that the debt is enforceable as they have complied now with section 77/78 request. They have also said that they don't agree to cease processing data in relation to 10(2) data protection act 1998 and then quote it.
They go onto say that they don't consider the processing of my data to be unwarranted and that their client has a legitimate interest in the recovery of the debt.
I know it is a bit long winded but my questions and help needed are, is it statute barred? and is the debt now enforceable or are they trying their luck with it as they didn't send the cca on time? Any help is greatly appreciated or am I best in paying to see a soliciter as it is too complicated?
Advice needed please
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