Receiving a letter or phone call from Mortimer Clarke Solicitors about a debt can be stressful, especially if you are unsure whether the debt is legitimate, enforceable, or even yours. Many people across the UK receive contact from debt collection solicitors each year and are left wondering what their rights are and whether they should make a payment immediately.
In this guide, we explain who Mortimer Clarke Solicitors are, what happens when they contact you, and whether you should pay them in 2026. Read on to learn your legal options, understand the risks of ignoring debt letters, and discover the steps you can take to protect yourself and deal with the situation confidently.
Who Are Mortimer Clarke Solicitors?
Mortimer Clarke Solicitors is a law firm based in Worthing, West Sussex, specialising in consumer credit debt recovery. Unlike a standard debt collection agency, they are a regulated solicitors firm, which means they have the legal authority to take court action against you directly.
What most people don’t realise is that Mortimer Clarke is the in-house legal arm of Cabot Credit Management, one of the UK’s largest debt purchasers. This means if Cabot has bought your debt, Mortimer Clarke is the firm that will pursue it legally.
They contact people about a wide range of debts including credit cards, personal loans, utility bills, and mobile phone contracts, either on behalf of original creditors or as the legal owner of a purchased debt.
If you’ve received a letter or call from them, it’s important to take it seriously and understand your options before responding.
Who Do Mortimer Clarke Solicitors Collect For?
Mortimer Clarke collects primarily for Cabot Credit Management, but also on behalf of a number of well-known organisations including HMRC, nPower, O2, EE, Virgin Media, United Utilities, and various local councils.
What Types of Debt Do They Handle?
The types of debt they handle include credit cards, personal loans, utility bills, mobile phone contracts, and council tax arrears. So if you have an outstanding balance in any of these categories, and it has been passed on or sold, there is a reasonable chance Mortimer Clarke may be the firm that contacts you.
If you are unsure which creditor they are acting for in your case, they are legally required to tell you. Always ask for written confirmation of who owns the debt and on whose behalf they are contacting you.
Are Mortimer Clarke Solicitors Legitimate?
Yes. Mortimer Clarke Solicitors is a fully regulated, legitimate law firm, not a scam.
Here are their verified credentials:
- Registered Name: MORTIMER CLARKE SOLICITORS LIMITED
- Registered in England and Wales, Company No. 06211733
- Registered Office: 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP
- Solicitors Regulation Authority (SRA), ID: 622915
- Financial Conduct Authority (FCA), Financial Services Register No. 912356
- Credit Services Association (CSA), Member No. 990
This matters more than it might seem. Because they are a regulated solicitors firm, not just a debt collector, Mortimer Clarke has the in-house legal capacity to issue court claims, obtain County Court Judgments (CCJs), and pursue enforcement action without needing to instruct an external solicitor first.
In short, if you ignore them, the escalation risk is higher than with a typical debt collection agency.
Mortimer Clarke Solicitors Reviews: Are They Trustworthy?
Mortimer Clarke Solicitors holds a TrustScore of 1.8 out of 5 on Trustpilot based on 132 reviews, and 1.5 out of 5 on Google based on 26 reviews. These scores are broadly typical for firms operating in the debt recovery sector, where the nature of the work means most people only leave a review during a stressful experience.
Looking at the feedback overall, common complaints relate to persistent contact, difficulties with the payment portal, and challenges resolving queries quickly. However, a number of reviewers also noted positive experiences with individual staff members, highlighting empathetic and helpful conversations, particularly around setting up affordable repayment arrangements.
As with any debt recovery firm, the experience can vary significantly depending on your individual circumstances and how early you engage with them. Regardless of what reviews say, knowing your rights and understanding your options before making contact will always put you in a stronger position.
Need Help To Deal with Your Debt?
There are debt solutions available in the UK that could help you take control of your debt. If you’re unsure which debt solution is right for you, fill out the online form below to get started. Once you submit the form, we’ll get back to you to help you find your options.
We’re here to support you every step of the way.
So, let’s get started…!
How much debt do you have?
Why Are Mortimer Clarke Solicitors Contacting You?
If Mortimer Clarke Solicitors has written to you or keeps calling you, there is always a specific reason. They do not contact people at random.
The most common reason is that they are acting on behalf of Cabot Credit Management, their parent company, which purchases unpaid debts from original creditors like banks, credit card providers, and utility companies. Once Cabot owns the debt, Mortimer Clarke handles the legal recovery side.
However, Cabot is not their only client. Mortimer Clarke also acts on behalf of other creditors directly, meaning the original lender may still own the debt and has simply instructed Mortimer Clarke to recover it on their behalf.
In either case, the reason they are contacting you will typically fall into one of these situations:
- You have an outstanding balance on a credit card, loan, utility bill, or mobile contract that has gone unpaid
- A debt you previously held has been sold to Cabot Credit Management, who now owns it
- A creditor has instructed them to begin formal legal recovery proceedings
- They are issuing a formal letter before action, warning that court proceedings may follow
- In rare cases, they may have contacted you in error, due to incorrect records, a case of mistaken identity, or outdated contact details
It is worth noting that just because they are contacting you does not automatically mean the debt is valid, correctly calculated, or even legally enforceable. Before you respond or make any payment, it is important to verify the debt and understand your position fully.
If you are unsure where you stand, speaking to a professional debt adviser is the best first step.
What Numbers Does Mortimer Clarke Call From?
If you have received a call from any of the following numbers, it is likely Mortimer Clarke Solicitors:
- 0330 045 0779 (main contact number, listed on their official website)
- 0333 121 4454 (complaints and general contact line)
- 0345 849 8943 and 0345 849 8947 (outbound calling numbers linked to Mortimer Clarke and Cabot)
- 0345 849 8957 and 0345 849 8938 (additional outbound numbers associated with their operations)
If you have missed a call from any of these numbers, do not ignore it. Check whether you have any outstanding debts before calling back, and never agree to any payment or share personal details until you have verified who the debt is with and confirmed it is genuinely yours.
If you are unsure, seeking professional debt advice before making contact is strongly recommended.
Are Mortimer Clarke Solicitors Bailiffs? Can They Send Bailiffs?
No. Mortimer Clarke Solicitors are not bailiffs and cannot send bailiffs to your door directly.
However, this is where the distinction between a solicitors firm and a standard debt collector becomes critically important. Because Mortimer Clarke is a regulated law firm, they can take you to court without instructing an external solicitor. If they obtain a County Court Judgment (CCJ) against you and you still do not pay, a judge can then authorise enforcement action, which can include sending certified bailiffs to recover the debt.
So while they cannot send bailiffs themselves, they have a direct legal pathway to make it happen. This is why receiving correspondence from Mortimer Clarke should be treated with more urgency than a letter from a typical debt collection agency.
If you are concerned about where your situation stands, getting professional debt advice sooner rather than later could make a significant difference to the outcome.
How Mortimer Clarke Solicitors Collect Debt: The Process
Unlike a standard debt collector who can only write letters and make calls, Mortimer Clarke can escalate through a full legal process. Here is how that typically unfolds:
- Initial Contact: The process usually begins with a letter or phone call informing you of the outstanding debt. This is their opening attempt to resolve the matter without court involvement. At this stage, you still have the most options available to you, so responding early is always in your best interest.
- Letter Before Action: If you do not respond or engage, Mortimer Clarke will issue a formal Letter Before Action. This is a legally significant step that standard debt collectors cannot take on their own. It serves as an official warning that court proceedings will follow if the debt is not resolved within a specified timeframe, typically 30 days. Taking this letter seriously is critical.
- County Court Claim: If there is still no resolution, Mortimer Clarke can file a County Court Claim using an N1 form. This formally begins legal proceedings against you and you will receive a claim pack requiring a response within 14 days.
- County Court Judgment (CCJ): If you do not respond to the court claim or the court rules against you, a County Court Judgment will be issued in your name. A CCJ can seriously damage your credit rating for up to six years, making it harder to obtain loans, mortgages, or even certain tenancy agreements.
- Enforcement Action: If the CCJ remains unpaid, Mortimer Clarke can apply to the court for enforcement action. This can include sending certified bailiffs to recover assets, applying for an attachment of earnings order to deduct payments directly from your wages, or placing a charging order on your property.
At any stage in this process, taking professional debt advice can help you understand your options and potentially stop the escalation before it reaches the next step.
Do You Actually Owe the Debt?
Just because Mortimer Clarke Solicitors has contacted you does not automatically mean you owe the debt they are claiming. Before making any payment or entering into any agreement, it is essential to verify whether the debt is genuinely yours, correctly calculated, and legally enforceable.
How to Check
Start by reviewing your own financial records. Check old bank statements, credit agreements, and any previous correspondence from the original creditor. You can also check your credit report through agencies such as Experian, Equifax, or TransUnion, which will show any debts registered against your name.
Requesting a Prove It Letter
If you are unsure about the debt, you have the right to request written proof before paying anything. This is commonly known as sending a Prove It letter. You are not obliged to pay until they have provided satisfactory evidence that the debt is valid and that they have the legal right to collect it.
Documents They Must Provide
When you request proof, Mortimer Clarke should be able to provide:
- The name of the original creditor
- The original credit agreement
- A full breakdown of the amount owed, including any interest or charges added
- Evidence that the debt has been legally assigned to them or that they are authorised to collect on behalf of the creditor
- A record of any payments previously made toward the debt
If they cannot provide these documents, you are under no obligation to pay.
Is the Debt Statute Barred?
In England and Wales, most unsecured debts become statute barred after six years from the date of the last payment or acknowledgement of the debt. In Scotland, this period is five years. A statute barred debt is not legally enforceable through the courts, meaning Mortimer Clarke cannot obtain a CCJ against you for it.
For a debt to be considered statute barred, all three of the following conditions must be met:
- No payment has been made toward the debt within the relevant time period, six years in England and Wales, five years in Scotland
- You have not made any written acknowledgement of the debt within that same period
- No court action, such as a CCJ, has already been obtained against you for the debt
It is also worth noting that not all debts fall under these time limits. Mortgage shortfalls, certain benefit overpayments, and debts where a CCJ has already been issued are among those that may not be covered by the standard statute barred rules.
If you believe your debt may be statute barred, do not make any payment or written acknowledgement before seeking professional advice, as doing so can restart the limitation period entirely.
Need help with debt?
Use our online debt form to explore options that may suit your debt situation.
Need help with debt?
Use our online debt form to explore options that may suit your debt situation.
Do You Have to Pay Mortimer Clarke Solicitors?
Whether you are legally obliged to pay Mortimer Clarke depends entirely on the circumstances of your specific debt. Here are the four key scenarios to consider:
If the Debt Is Valid
If Mortimer Clarke can provide all the required documentation, the debt is within the limitation period, and the amount is correctly calculated, then yes, you are legally obliged to pay. Ignoring a valid debt will only lead to escalating consequences including court action and a CCJ.
However, you do not have to pay the full amount immediately. You have the right to negotiate a repayment plan that fits your financial situation, and in some cases, a reduced settlement may be possible.
If the Debt Is Statute Barred
If the debt meets all three conditions for being statute barred, Mortimer Clarke cannot enforce it through the courts. You are not legally required to pay, and they cannot obtain a CCJ against you for it.
That said, they may still contact you requesting voluntary payment. If you believe the debt is statute barred, do not make any payment or acknowledgement without taking professional advice first, as this could unintentionally revive the debt.
If They Cannot Prove the Debt
If Mortimer Clarke fails to provide the required documentation following your Prove It request, you are under no obligation to pay. A debt that cannot be evidenced cannot be enforced. Write to them confirming that you consider the matter closed until satisfactory proof is provided, and keep a copy of all correspondence.
If the Debt Is Not Yours
If you believe the debt belongs to someone else, perhaps due to mistaken identity, fraud, or incorrect records, you should dispute it in writing immediately. Provide any evidence you have that supports your position and request that they investigate and update their records.
Do not make any payment toward a debt that is not yours, as doing so could be interpreted as an acknowledgement of liability.
In any of these scenarios, if you are unsure of your position or the amount involved is significant, seeking professional debt advice before responding to Mortimer Clarke is strongly recommended.
What Mortimer Clarke Solicitors Can and Cannot Do
As a regulated solicitors firm operating under SRA and FCA rules, Mortimer Clarke has specific powers, but there are also clear boundaries on what they are permitted to do. Having a good understanding of both sides can help you respond with confidence.
| What They Can Do | What They Cannot Do |
| Contact you by letter, phone, and email regarding an outstanding debt | Harass, intimidate, or contact you excessively or at unreasonable hours |
| Issue a formal Letter Before Action as a legal precursor to court proceedings | Threaten court action they have no genuine intention of pursuing |
| File a County Court Claim (N1 form) and pursue a CCJ against you | Add unlawful fees or inflate the debt beyond what is legally permitted |
| Apply for enforcement action after obtaining a CCJ, including bailiffs and attachment of earnings | Instruct bailiffs without first obtaining a court order and a valid CCJ |
| Purchase debts from original creditors and pursue them as the legal owner | Contact third parties such as family members or employers about your debt |
| Request payment in full or negotiate a repayment arrangement | Ignore a valid dispute or Prove It request and continue pursuing payment |
| Report unpaid debts to credit reference agencies, affecting your credit file | Misrepresent their identity, legal powers, or the consequences of non-payment |
If you feel Mortimer Clarke has crossed any of these boundaries, you have the right to complain formally to the SRA, the FCA, or the Financial Ombudsman Service.
Are Mortimer Clarke Solicitors Threatening You?
Knowing what Mortimer Clarke can and cannot do is one thing, but recognising when they have actually crossed the line is another.
Legitimate legal warnings, such as a Letter Before Action or notice of court proceedings, are not threats. They are lawful steps in the debt recovery process. However, if they are calling you repeatedly at unreasonable hours, using aggressive or intimidating language, misrepresenting their legal powers, or pressuring you to pay a debt you have disputed, that crosses into conduct that is not permitted under SRA and FCA rules.
How to Make a Complaint Against Mortimer Clarke Solicitors
If you believe Mortimer Clarke has acted improperly, you have the right to make a formal complaint. Here is how:
- Mortimer Clarke directly: Write to them at 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP or email complaints@mortimerclarke.co.uk. They are required to respond within eight weeks.
- Financial Ombudsman Service (FOS): If you are unsatisfied with their response, or they fail to respond within eight weeks, you can escalate to the FOS at financial-ombudsman.org.uk or call 0800 023 4567.
- Solicitors Regulation Authority (SRA): For concerns about professional conduct, contact the SRA at sra.org.uk, SRA ID 622915.
- Information Commissioner’s Office (ICO): If your complaint relates to misuse of your personal data, contact the ICO at ico.org.uk or call 0303 123 1113.
What Happens If You Ignore Mortimer Clarke Solicitors?
Ignoring Mortimer Clarke is one of the most costly mistakes you can make. Unlike a standard debt collector who has limited options if you do not respond, Mortimer Clarke is a law firm with a direct pathway to court action. Here is what typically happens the longer you leave it:
Short Term: Escalating Contact
Initially you will receive more frequent letters and calls. These will become increasingly formal in tone, culminating in a Letter Before Action. At this stage you still have time to engage and resolve the matter before it becomes a legal issue. Most people who engage at this point can still negotiate a manageable repayment arrangement.
Medium Term: Court Action
If the Letter Before Action is ignored, Mortimer Clarke can file a County Court Claim against you. Once this happens, you have only 14 days to respond. Missing this deadline means a CCJ is likely to be issued against you automatically, without any further opportunity to dispute the debt or negotiate terms.
Long Term: CCJ and Enforcement
A CCJ will remain on your credit file for six years, significantly damaging your ability to obtain credit, a mortgage, or even certain rental agreements during that period. If the CCJ itself is then ignored, Mortimer Clarke can apply for enforcement action including certified bailiffs visiting your home, an attachment of earnings order deducting payments directly from your wages, or a charging order placed against your property.
The Compounding Cost of Ignoring
At every stage of ignoring, the total amount you owe is likely to increase. Court fees, interest, and potential enforcement costs can add substantially to the original debt, meaning the longer you leave it, the more expensive the situation becomes.
Is Ignoring Ever a Good Idea?
In most cases, no.
The only scenario where not responding immediately makes sense is if you have strong reason to believe the debt is statute barred or not yours, and even then the right course of action is to formally dispute it in writing rather than simply ignore it. Silence is never a strategy when dealing with a solicitors firm that has direct access to the courts.
If the debt feels unmanageable or you are unsure of your position, seeking professional debt advice as early as possible gives you the best chance of resolving the situation before it reaches the point of court action.
Are You Looking For Help To Manage Your Debts?
- Explore debt solutions tailored to your circumstances.
- Get guidance on options that can help make repayments manageable.
- Receive compassionate, ethical advice every step of the way.
How to Respond to a Letter from Mortimer Clarke Solicitors
Receiving a letter from Mortimer Clarke can feel overwhelming, but responding promptly and correctly can make a significant difference to the outcome.
The first thing to do is read the letter carefully and identify what stage of the process it represents. Is it an initial contact letter, a formal Letter Before Action, or a court claim? Each requires a different response and has a different deadline attached to it.
Next, do not ignore the response window. If it is a Letter Before Action you typically have 30 days. A court claim gives you only 14 days to respond.
Before replying, check whether the debt is valid, statute barred, or provable. If you are disputing the debt, respond in writing clearly stating your position and keep a copy of everything.
Never make a payment or acknowledge the debt in writing until you are certain of your position, as both can have legal implications.
If you are unsure how to respond, seeking professional debt advice before replying is strongly recommended.
How to Set Up a Payment Plan with Mortimer Clarke
If the debt is valid and you are ready to resolve it, setting up a payment plan is often the most practical route forward. Mortimer Clarke are generally willing to negotiate, provided you approach them with a realistic proposal.
1. Review Your Finances First
Before making any contact, sit down and work out exactly what you can afford. List your monthly income against all essential outgoings including rent, utilities, and food. Whatever is left is the maximum you should offer. Never propose an amount you cannot sustain, as missing payments on an agreed plan can accelerate the situation back toward court action.
2. Contact Mortimer Clarke
You can reach them through the following options:
- Phone: 0330 045 0779
- Online portal: mymortimerclarke.co.uk, where you can check your balance, make payments, and manage your account without needing to call
- In writing: 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP
3. Propose a Realistic Repayment Schedule
When you make contact, be transparent about your financial situation and propose a monthly amount you can genuinely afford. Mortimer Clarke cannot legally force you to agree to a plan that is beyond your means. If they push back on your offer, hold firm and provide a basic income and expenditure breakdown to support your proposal.
4. Get Everything in Writing
Once an agreement is reached, always request written confirmation of the full terms before making any payment. This should include the total amount owed, the agreed monthly payment, the duration of the plan, and confirmation that no further action will be taken while payments are maintained.
Never make payments based on a verbal agreement alone.
What Should I Do If My Debts Are Huge And I Cannot Afford To Settle Them?
Sometimes, it may be difficult to agree on a payment plan with your creditor or debt collection agency, particularly if the payments are financially overwhelming.
In such cases, you might want to explore potential debt solutions in the UK. There are several options available in the UK, each with its own eligibility criteria. Choosing the right option can help resolve your debt issues, but the wrong one may make your financial situation worse.
However, it is essential to seek professional advice before committing to any debt solution. A debt advisor can help you assess your situation and guide you in selecting the most appropriate option.
Some of The Key Debt Solutions Available in England, Northern Ireland, and Wales:
- Debt Management Plan (DMP): An informal arrangement where you make monthly payments toward your debts. There is no legal commitment, but your creditors may agree to reduce interest or freeze fees.
- Individual Voluntary Arrangement (IVA): A formal agreement where you make regular payments to creditors over 5 or 6 years. The remaining debt may be written off, but this solution has strict criteria.
- Debt Relief Order (DRO): Designed for individuals in severe financial distress, this option freezes interest and allows a year of no payments, potentially leading to debt resolution.
- Bankruptcy: A formal legal process that can clear most debts if you are unable to repay them. Bankruptcy provides a financial reset, but it also has serious long-term consequences, including restrictions on your financial affairs and potential asset loss.
Debt Solutions Available in Scotland
- Protected Trust Deed: A formal agreement to repay part of what you owe over four years. The remaining debt may be written off afterward. It is legally binding and affects your credit rating.
- Debt Arrangement Scheme (DAS): A government-backed scheme allowing you to repay your debts through a Debt Payment Programme (DPP) based on what you can afford. Interest and charges could be frozen, and creditors can’t take legal action.
- Sequestration (Scottish Bankruptcy): A formal insolvency process where most debts may be written off, but assets may be sold to repay creditors. It offers a fresh start but comes with serious consequences.
- Minimal Asset Process (MAP): A simplified form of bankruptcy designed for individuals with low income and few assets. It allows eligible debts to be written off after six months, provided the individual fully cooperates with the process. However, in practice, the process may take longer depending on the complexity of the case. MAP also offers lower fees and reduced administrative burden compared to full bankruptcy.
Caution: These debt solutions have both advantages and drawbacks, so it’s important to carefully weigh your options before making a decision.
Furthermore, if you are unsure which debt solution suits your situation, speak to a professional debt advisor. Free, independent advice services like MoneyHelper can help you assess your finances and find the best option for you.
Where Can You Get Debt Help in the UK?
If you’re struggling with debt, it’s important to get reliable, independent advice before making any decisions. In the UK, there are several services that can help you understand your options and find a solution that works for your situation.
Among them, at Debt Advisory Services, we provide expert guidance and practical resources to help you explore all the debt solutions available in the UK and take control of your finances.
Here’s why you can trust us for debt help:
- Expert Support: Our advisors review your financial situation carefully and guide you through options like Debt Management Plans (DMPs), Debt Relief Orders (DROs), IVAs, or other solutions, helping you find the most suitable approach.
- Comprehensive Resources: Learn about each debt solution, including eligibility, benefits, potential drawbacks, and how it may affect your credit record, so you can make informed decisions.
- Honesty and Integrity: We provide clear, ethical, and transparent advice. From assessing your debts to recommending the right solution, we support you every step of the way.
Take the first step toward financial relief. Fill out the form below to speak with a qualified advisor and find the right debt solution for your situation today!
Not Sure What To Do Next?
Take two minutes to answer a few simple questions to get started.
Not Sure What To Do Next?
Take two minutes to answer a few simple questions to get started.
[Important Note: For additional independent guidance, you can also access free resources from MoneyHelper, the UK’s official platform for managing debt and finances.]
How to Contact Mortimer Clarke Solicitors
If you need to get in touch with Mortimer Clarke Solicitors, here are all the confirmed ways to reach them:
| Contact Method | Details |
| Main Phone | 0330 045 0779 |
| Complaints and General Enquiries | 0333 121 4454 |
| Outbound Calling Numbers | 0345 849 8943 and 0345 849 8947 |
| Additional Contact Numbers | 0345 849 8957 and 0345 849 8938 |
| Address | 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP |
| General Email | info@mortimerclarke.co.uk |
| Complaints Email | complaints@mortimerclarke.co.uk |
| Online Portal | mymortimerclarke.co.uk |
| Monday to Friday | 08:00 to 20:00 |
| Saturday | 09:00 to 13:00 |
| Sunday | Closed |
If you are contacting them to dispute a debt or make a complaint, always do so in writing and keep a copy of everything you send.
Final Thoughts
Being contacted by Mortimer Clarke Solicitors can feel intimidating, but it is important not to panic or ignore the situation. Whether you should pay them in 2026 depends entirely on whether the debt is valid, enforceable, and properly evidenced. Before making any payment, take the time to verify the debt, check whether it may be statute barred, and ensure that Mortimer Clarke has the legal right to collect it.
If the debt is genuine, engaging with them early and arranging an affordable repayment plan is usually the best way to avoid court action, a CCJ, and additional costs. If the debt is disputed, cannot be proven, or does not belong to you, you have the right to challenge it and request further evidence.
The key takeaway is that ignoring Mortimer Clarke is rarely the right approach. Understanding your rights, responding promptly, and seeking professional debt advice when needed will put you in the strongest position to resolve the matter and protect your financial future.
Key Takeaways
- Mortimer Clarke Solicitors is a legitimate UK law firm that specialises in consumer debt recovery and legal enforcement.
- The firm is closely linked to Cabot Credit Management and often pursues debts that Cabot has purchased from original creditors.
- Mortimer Clarke can take court action against you directly, making their correspondence more serious than that of a typical debt collection agency.
- Before making any payment, you should verify that the debt is yours, correctly calculated, and legally enforceable.
- You have the right to request proof of the debt, including the original credit agreement and evidence of ownership.
- Some unsecured debts may become statute barred, meaning they can no longer be enforced through the courts.
- Mortimer Clarke cannot send bailiffs without first obtaining a County Court Judgment (CCJ) and a court order.
- Ignoring letters or court documents from Mortimer Clarke can lead to a CCJ, credit damage, and enforcement action.
- If the debt is valid, you may be able to negotiate an affordable repayment plan based on your financial circumstances.
- Professional debt advice can help you understand your rights, challenge invalid debts, and choose the most suitable debt solution if you are struggling financially.
FAQs
1. Why do Mortimer Clarke Solicitors keep calling me?
They are attempting to recover an outstanding debt, either on behalf of Cabot Credit Management or another creditor. They must identify themselves and explain the reason for contact. If you are unsure why they are calling, ask them to confirm the debt in writing before engaging further.
2. Can Mortimer Clarke take me to court?
Yes. Unlike a standard debt collection agency, Mortimer Clarke is a regulated solicitors firm with the in-house capacity to file a County Court Claim directly, without needing to instruct an external solicitor first.
3. How quickly can Mortimer Clarke get a CCJ?
Once a County Court Claim is filed, you have 14 days to respond. If you do not respond, a CCJ can be issued automatically. From the Letter Before Action stage, the entire process can move to a CCJ within weeks if left unaddressed.
4. What is mymortimerclarke.co.uk?
It is Mortimer Clarke's dedicated online account portal where you can check your balance, make payments, and manage your account without needing to call them directly. It is separate from their main website at mortimerclarke.co.uk.
