Though it’s true that Mortimer Clarke Solicitors may not need to be paid by everyone, brushing them aside isn’t a choice to be taken lightly, as it might trigger further enforcement action.
Are you wandering what are the next steps? Allow me to guide you through your options… but beware, things are about to take an unexpected turn with them. It can change everything by a second.
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Understanding Mortimer Clarke Solicitors
When you open your morning mail and see a letter from a company like Mortimer Clarke Solicitors addressed to you, you may get a sense of fear. You start to wonder why they would contact you and whether it’s serious.
Companies like these frequently rely on this uneasy sensation to produce outcomes. Although it takes a cynical approach to debt collection, you shouldn’t let that scare you.
As the name suggests, Mortimer Clarke Solicitors is a firm of solicitors who specialise in debt collection. Based in the UK, they work on behalf of creditors to recover debts. They act on behalf of several different creditors. For example, banks, credit card companies etc.
The company was founded in 2007. It consists of more than 100 employees. They are situated in West Sussex, and Worthing serves as its corporate headquarters.
When dealing with them, it’s essential to understand their role and function. They are not the original lender but a firm employed to recover unpaid debts.
Are Cabot and Mortimer Clarke the same company?
Actually, the Cabot Credit Management Group, which owns six such companies throughout the UK, includes Mortimer Clarke Solicitors. They adhere to a reasonably tight code of conduct because they are members of the Solicitors Regulation Authority. The Credit Services Association’s code of conduct also binds them.
All of this implies that while interacting with them, you are entitled to specific guarantees and legal rights.
They are a legitimate company registered and operates under Company Number 06211733 in England and Wales.
Whom Does Mortimer Clarke Solicitors Represent in Collection Activities?
The most frequently handled types of debts in collections firms are recovering arrears on council taxes, parking penalties, and overpayments of benefits.
Some of the most noteworthy clients of Mortimer Clarke Solicitors include Natwest, PayPal, and Santander. In the event that you don’t adhere to the conditions of your credit arrangement, these businesses could offer them the chance to buy the debt.
If you’ve defaulted on a debt, it’s possible that they could contact you on behalf of one of these creditors.
What’s the Reason Behind Mortimer Clarke Solicitors Reaching Out to Me?
There may be a number of explanations for your call or letter from Mortimer Clarke Solicitors. The most frequent justification is frequently an overdue debt that they’re attempting to recover.
Although you might not be familiar with their name, it’s probable that they will be collecting on behalf of another business, such as a bank, credit card company, or hire purchase company.
Typically, the initial creditor will make contact before referring your matter to Mortimer Clarke. The corporation will intensify its attempts or sell your debt to another company if you have not received such communications or have disregarded them. But remember, it’s not personal.
Some people discover that a County Court Judgment (CCJ) has been issued against them for the money. The debtors are required to come up with a strategy to pay back the funds if a CCJ is granted.
Or, if you haven’t cooperated, they may send bailiffs to seize your property in order to pay off your obligation. This only occurs if you disregarded earlier written notices of the obligation.
Of course, it’s possible for them to send you a letter in error on occasion. It’s possible that the person who owes the money has a similar name to you or has lived at your location in the past.
A common misconception is that Mortimer Clarke’s Solicitors are the enemy. They’re not. They’re just professionals doing their job, helping their client reclaim their due. In a way, they’re akin to a messenger, delivering a less-than-pleasant message. They don’t despise you, and you shouldn’t despise them.
Navigating the terrain of debt recovery is no easy feat. But, with knowledge and understanding, it can be a lot less daunting. Mortimer Clarke Solicitors are simply part of the process, the link between you and the creditor.
But now, with this information, you’re no longer in the dark. You’re equipped to handle the situation with grace and, more importantly, with confidence.\
But wait, there’s more to this journey. How do you respond to their communication? What if there’s a discrepancy? And how do you handle repayment? Stay tuned as we delve into these crucial aspects in our next section.
Strategies for Interacting with Mortimer Clarke Solicitors
Navigating the labyrinth of debt collection can feel daunting, especially when you’re dealing with companies as established as Mortimer Clarke Solicitors. But fear not! There’s a clear path to resolution, and this guide is here to illuminate it for you.
When confronted with a debt letter, your first instinct might be to ignore it. It’s only natural. But remember, avoidance is not a strategy. They are persistent. They will continue their efforts to collect the outstanding sum, and this could lead to more serious consequences.
If they escalate to the point of requesting a County Court Judgement (CCJ), it could significantly impact your credit score.
Upon receipt of a letter from Mortimer Clarke Solicitors, your next step should be to gather all your relevant financial documents.
Review the letter to understand the amount they’re claiming and cross-reference this with your records.
Are there discrepancies? Any confusion about the debt they are claiming? If so, keep reading to clear all your doubts.
You might be concerned about losing your belongings or even your home. However, Mortimer Clarke Solicitors are not bailiffs. They can’t directly reclaim your possessions or force entry into your home.
They also have to adhere to the Credit Services Association (CSA) code of conduct, which prohibits unsociable calls, harassment, and unwarranted pressure. Know your rights, and don’t hesitate to file a complaint if these boundaries are crossed.
I am sure now you have a crystal clear understanding of your scenario.
It’s time to contact Mortimer Clarke Solicitors and
Here, official correspondence, such as a recorded delivery letter, can serve as valuable proof in case of a dispute.
|Address:||16-22 Grafton Road, Worthing, West Sussex, BN11 1QP|
|Post:||Mortimer Clarke SolicitorsPO Box 130, BLYTH, NE24 9FA|
|Telephone:||0330 045 0779
Monday – Friday 8.00 am – 8.00 pm
Saturday 9.00 am – 1.00 pm
Mortimer Clarke Solicitors cannot legally force entry into your home. But they may try to convince you that they have the authority for that.
You always have the right to ask them to leave. If you ignore their attempts to communicate, they may resort to bailiff intervention. It’s always better to communicate and negotiate before things reach this stage.
Ask them to verify the debt. They are legally obligated to provide proof of the outstanding sum.
If they fail to do so, they must mark the debt as settled. A ‘Prove the Debt’ letter citing the Financial Conduct Authority (FCA) Consumer Credit sourcebook is a powerful tool here.
Keep in mind remember, do not sign this letter, as it can be used against you by forging.
Once the debt is verified, it’s time to consider repayment. While this might feel overwhelming, it’s a crucial step towards resolution.
The sooner you repay, the sooner you’ll be free from their persistent contact. And isn’t that a relieving thought?
Can’t repay the full amount immediately? Not to worry.
Mortimer Clarke Solicitors might agree to a monthly repayment plan. But you should remember they are not legally bound to give you this option. Giving a try to this is always worth the time.
Propose a plan that aligns with your financial capabilities and hopes for the best.
According to the Limitation Act of 1980, a debt becomes statute-barred after six years if it is not acknowledged or paid. In this situation, the debt is not anymore recoverable, and you are not required to pay it.
But beware, this doesn’t apply to all debts.
There are several choices accessible to you if you find yourself suffering from more debt. We all have to eventually make our dues. There are certain alternatives that might lessen the blow, though:
Final Thoughts on Mortimer Clarke Solicitors
Navigating the debt collection process with Mortimer Clarke Solicitors can be daunting.
Remember, they are a debt collection agency tasked with recovering money. Seeking professional advice can make the process more manageable. It’s important to act swiftly and address the debt issue head-on.
- The Cabot Credit Management Group’s Mortimer Clarke Solicitors are experts in recovering consumer debt.
- For well-known companies, including Natwest, PayPal, and Santander, they recover debts.
- If they contact you, don’t ignore them; gather your information, be aware of your legal options, and confirm the debt.
- Take into account payment schedules or look into further debt relief options like an IVA or debt consolidation.
- To check if the debt is no longer enforceable, see if it is statute-barred under the Limitation Act of 1980.
Cabot and Mortimer Clarke Solicitors are two separate entities. Cabot is a debt purchaser that buys debts from creditors when borrowers default. They are a law firm specialising in debt recovery. They may represent Cabot or other creditors to recover outstanding debts.
This number likely belongs to Mortimer Clarke Solicitors. If you receive a call from this number, it’s probably in relation to an outstanding debt they’re seeking to recover.
This is not a spam call. The number that called you belongs to Mortimer Clarke, who is a debt collector. They may have made a mistake contacting you, but you should inform them of that immediately.
Yes. Mortimer Clarke may pursue a County Court Judgement (CCJ) should you continue to ignore their requests for payment.
After all that, you might be wondering whether you can just wait it out and hope they stop chasing you. Sadly, that’s probably not going to happen. Most debt collectors are persistent.
Yes, they are. They’re registered in England and Wales under Company Number 06211733. This means that any correspondence you receive from them is real.