I have received a debt recovery letter from you

I have received a letter. What should I do next?

The first step to take is to talk to our helpful Litigation Customer Consultants. We can discuss the best way forward for you and tailor a solution to help your situation. Simply Get In Touch.

I have received a Letter before Claim — what shall I do?

A Letter before Claim is a letter warning you that court proceedings will be issued in the absence of a response.

If you have received a Letter before Claim, then please contact us, to tell us about your financial circumstances and let us know if you are able to make an offer of payment, based on what you can afford to pay.

If you are experiencing difficulties, or don’t think that you can pay anything towards the debt, then please do still contact us, so that we can understand your position and help you get free money advice.

If you do not contact us, then court proceedings will be issued against you, to ask the court to grant a County Court Judgment for the outstanding debt together with court fees and fixed solicitors’ costs.

What is a County Court Judgment?

A County Court Judgment is a court order requiring you to pay the debt.

Once a creditor has obtained a County Court Judgment, the debt becomes a Judgment debt and will usually include costs and court fees.

A County Court Judgment may affect a person’s credit rating as the information appears on their credit file. This may make it difficult for them to obtain further credit.

Court proceedings have been issued against me — what shall I do?

The court will have sent you a response pack explaining how you can respond to the claim, and the timelines involved.

You should read this carefully. You can ask the court to allow you to pay the debt by instalments over a period of time, which would, if agreed by the court, result in a Judgment by instalments. You can defend the claim or part of it.

If you do not respond to the claim, we will ask the court to grant a County Court Judgment against you.

If you are unsure how to complete the response pack, you should seek independent advice. A guide to completing the forms can be found here: https://www.stepchange.org/debt-info/ccj/court-claim-form-process.aspx

Can I stop a Judgment appearing on my credit record?

If you pay the Judgment debt within one month of the date of the Judgment, then you can avoid the Judgment showing on your credit file.

If you want to do this, you should contact us to discuss payment.

How can a County Court Judgment be enforced?

Once a County Court Judgment has been obtained by a creditor, further court action can be brought to enforce the judgment debt. The enforcement action could include an application for:

An Attachment of Earnings Order: the court considers a customer’s income and expenditure information and orders that a regular amount should be taken directly from the customer’s wages to pay towards the judgment debt. This means that the employer is informed of the debt, and is responsible for ensuring that the correct sum is sent to the court each month.

A Charging Order: the creditor asks the court to make an order that the Judgment debt is secured against the customer’s property. This means that when the property is sold or remortgaged, the debt should be paid directly from the proceeds of the sale.

A Warrant of Control: a County Court bailiff is instructed to attend the customer’s property to establish contact with them, and in the absence of a reasonable repayment arrangement, may seize goods to be auctioned to pay towards the judgment debt. We want to avoid enforcement action. Please contact us to discuss your circumstances, so that we can work with you to achieve the right solution.

If you are in any doubt as to your legal position you should obtain independent legal advice.

Paying Mortimer Clarke Solicitors

Can I get a discount and save some money?

Some of our clients may be willing to reduce the amount you owe and apply a discount to outstanding balance.

There are two options:

  • Talk to one of our Litigation Customer Consultants and see if your account qualifies.
  • Make an offer to us for repayment when you Sign in to this website and visit the Make a Payment page. If you do not have an online account you will need to Register.

How do I set up a repayment plan?

Please contact us so that we can understand your situation and agree on a solution that suits you and which you can afford.

How do I make a payment?

Most people choose to pay by hassle free payment methods like Direct Debit, Standing Order or card payments. All of these can be found and more on our Make A Payment page.

If you make a payment arrangement over the phone, then our Litigation Customer Consultants will ensure we set up your plan with your preferred payment method.

Which is the best repayment method to choose?

Direct Debit is a reliable, regular payment method that ensures that your plan will not fail as long as funds are available, thus giving you peace of mind that your payments will be made on time.

It also means that you will be protected by the Direct Debit Guarantee offered by participating banks and building societies and that you will be given advance notice of the collection amounts and dates.

Is it safe to use my debit/credit card online?

Yes – we make sure that your card details are safeguarded and encrypted, and only used with your permission.

What happens if I do not keep up my repayments?

To successfully manage your account all you need to do is keep us up to date of any changes. If you are struggling with any payments then you must contact us, ideally before the payment is missed. If you do this we can help you.

If you stop making payments and do not tell us then we cannot understand why and help you. We will write to you and ask that you contact us so it is imperative that you contact us. If you do not then we may be instructed to take legal action against you. The best solution at all times is to keep us up to date.

I want to clear my balance. How can I do this?

To talk to us follow the links in our Get In Touch page, or if you'd prefer not to talk on the phone then make a payment via 'Make a Payment' section on this website.

My Account

I have received a letter. What should I do next?

The first step to take is to talk to our helpful Litigation Customer Consultants. We can discuss the best way forward for you and tailor a solution to help your situation. Simply Get In Touch.

 

How will you contact me?

We will have your contact details and where appropriate, will write to you and telephone you. At each stage we want to talk to you and find a solution. If we call you please be confident to answer the phone, and let us have the opportunity to talk to you about your account. If it is not convenient then you can book a time that is. Alternatively follow the links on our Get In Touch page.

What will happen if you are unable to contact me?

We aim to talk to you and will try hard to do that.


If you do not contact us then we may be instructed to pursue legal action against you. It is always advisable to talk to us early and find a solution that suits you.

What if I don't think I can pay this balance?

Many people are not in a position to pay their account at this time. It is important that you still contact us so we can understand this and we can offer solutions and free money advice to help.

I am receiving calls from you. Why?

If you are receiving calls from us, it’s because we’re trying to contact you about an account we have been instructed on. We are a firm of solicitors and act for debt purchasers and lenders. If we are calling you, it will be about a debt owed to one of our clients. Please do answer the phone when we call or contact us via our Get In Touch page.

My account is being managed by a Debt Management Company. What should I do?

If you are working with a Debt Management Company then please give them a copy of our letters and call us with their reference number. We will put your account on hold whilst we wait for them to contact us and we can simply arrange for them to redirect your payments to your account.

I would like to nominate a third party to deal with you on my behalf. What do I need to do?

If you would like to nominate an individual or an organisation to be able to discuss your account with us on your behalf, then we are more than happy to do this. You can do this over the phone or by completing our Authority Form.

Please note that for protection of your personal data we are required to obtain some information from you regarding your nominated third party, which may include some or all of the following: name, address, relationship, telephone number, email address.

 

Credit Record

Our clients deal with all matters relating to your credit file.  If you have any questions about this please contact our clients directly.

As a member of the Cabot Credit Management Group, we have the following memberships and accreditations:

CSA Investors In People CCTA