Who are Mortimer Clarke Solicitors?

Mortimer Clarke Solicitors, a debt collection company with company number 06211733, is named Mortimer Clarke Solicitors Limited. They are authorised and regulated by the Financial Conduct Authority (FCA) to collect debts in the UK. Let’s learn more about how Mortimer Clarke Solicitors operates as a debt collector.

Will Mortimer Clarke Solicitors come to my house to collect debts?

Mortimer Clarke Solicitors, a debt collection agency, may send field agents to your home to discuss the alleged debt. These visits can be distressing for you and your family and may incur additional charges. It’s important to note that these methods can hurt your mental and physical well-being. However, you don’t have to handle the situation on your own. You can appoint a debt advice company to represent your interests.

We are a professional independent website that provides debt services to individuals. We have dealt with creditors like Mortimer Clarke Solicitors in the past and are equipped to help people who may be experiencing their tactics and threats. We aim to provide necessary debt help to those in need and help them improve their financial situation.

How will Mortimer Clarke Solicitors chase me if I don’t pay?

Mortimer Clarke Solicitors use customer relationship management systems to keep track of activity with debtors and ensure they are profitable. Some people may find their approach to be aggressive when trying to collect debts. Documentaries and news articles have criticised the heavy-handed nature of some debt collectors and bailiffs. Although the government has tried to reduce their powers, they still rely on intimidation tactics.

When a company buys your debt, they will probably inform you through a phone call and a letter. This first message will explain their pre-action protocol and state the money you owe, including any additional charges or penalties. They usually give you a short time frame, usually seven days, to pay the full debt. This approach aims to motivate you to get in touch with them and arrange a repayment plan.

The letter from Mortimer Clarke Solicitors usually outlines two or three possible next steps, which may include:

  • A home visit
  • Getting a county court judgement (CCJ) from Mortimer Clarke Solicitors if you do not repay the debt by the deadline
  • The possibility of bankruptcy if the debt is over £750.

If you have received letters from debt collectors like Mortimer Clarke Solicitors, contact us immediately, and we will do our best to handle the situation for you.

Can Mortimer Clarke Solicitors take me to court?

If you don’t respond to Mortimer Clarke Solicitors’ attempts to communicate with you or if you can’t agree on a payment plan, they may go to court as a final option for possible litigation.

How do you deal with Mortimer Clarke Solicitors?

If you’re struggling with persistent collectors and uncertain about your rights, consider working with IVA Advice. We can help you negotiate a settlement or payment plan with the company and minimize your repayment obligations.

How can Credibble help me?

Dealing with debt can be overwhelming, especially when debt collectors or bailiffs are involved. Don’t panic! The Credibble Team is here to help. We can help you to stop proceedings and reduce the cost of your debt for free.

We offer a unique debt solution service partnered with Equifax, a world leader in providing consumer credit report data. This means we have instant access to all your major debt without you having to search through your paperwork. Furthermore, we’re supported by the Natwest Accelerator Programme for business and have a multiyear relationship with the organisation. Our extensive and unique personal finance knowledge goes far beyond debt solutions – so you can trust that you are in safe hands.

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What rights do I have against Mortimer Clarke Solicitors?

As a UK citizen, you have the right to protect yourself and your family’s well-being when dealing with debt collectors pursuing you for payment.

Mortimer Clarke Solicitors can contact you multiple times as long as it is done reasonably and does not lead to harassment. The term “reasonable” doesn’t have a specific definition, but you should not feel intimidated or threatened by their actions. However, you can’t refuse to repay your debt by citing their collection methods as an excuse. You can request that the company only communicate with you through written letters, but you must be prompt in responding to these letters.

By UK data protection laws, Mortimer Clarke Solicitors cannot discuss any details about your debts with your family, friends, or neighbours.

Mortimer Clarke Solicitors cannot claim to have powers they do not have. Previously, some creditors have used documents that looked like official court documents, but a law now exists to prevent this.

Mortimer Clarke Solicitors are not allowed to use threatening or abusive language or provide false information to collect your money.

Frequently Asked Questions

If you fail to pay your debts to Mortimer Clarke Solicitors, they may take different actions to get their money back. One option they have is to file a court claim, which is a common and affordable way for them to do so. If they decide to take this route, you can expect to receive a claim form by mail. You will then need to pay the full amount or dispute the claim. If you choose to deny the claim, it’s recommended that you seek legal advice, as certain defences may not apply in this situation. If a CCJ is issued, it will remain on your credit report for six years.

If you have unsecured debts amounting to a total of £5,000 or more, it is possible that you can eliminate the debts owed to Mortimer Clarke Solicitors. Unsecured debts may include loans, credit cards, payday loans, catalogues, overdrafts, and other debts without collateral.

Mortimer Clarke Solicitors operates as a collections agency. They have the legal authority to buy debt in large quantities from various sources and can legally pursue customers to repay their debts. Common examples of debts that collections agencies deal with include council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, and water and utility bills.

Mortimer Clarke Solicitors has specific clients such as Natwest, PayPal, and Santander. If you fail to meet the conditions of your credit agreement with these companies, they might allow Mortimer Clarke Solicitors to purchase the debt.

Mortimer Clarke Solicitors will likely pay only a small percentage of the total debt owed to creditors when they purchase debt portfolios. Their business model is focused on buying the portfolios at a discount and profiting from the collection of the debts.

Mortimer Clarke Solicitors is a debt payment collector company and an appointed representative of MORTIMER CLARKE SOLICITORS LIMITED, authorised by the FCA. MORTIMER CLARKE SOLICITORS LIMITED, with a company registration number of 06211733 and registered office at 16-22 Grafton Road, Worthing, West Sussex, England, BN11 1QP, is a legitimate company.

Here are the most effective ways to contact the debt collectors:

  • Dial +44 333 121 4454 to reach them by phone.
  • Visit https://www.mortimerclarke.co.uk to make an online payment, but don’t forget to provide your reference number to access your Mortimer Clarke Solicitors login.
  • Send a letter to their physical address at 16-22 Grafton Road, Worthing, West Sussex, England, BN11 1QP.

Suppose you are unhappy with how Mortimer Clarke Solicitors have treated you or have a complaint regarding their agent or repayment plan. In that case, you can lodge your complaint using one of the following methods.

Here are their contact details:

  • Phone number: +44 333 121 4454
  • Postal address: 16-22 Grafton Road, Worthing, West Sussex, England, BN11 1QP

Ensure you have your debt letter, file number, and complete information about your situation before proceeding. If you are still unhappy with the outcome, you can escalate the case to the Financial Ombudsman Service or the Information Commission. To help others understand your point of view, provide key evidence when escalating your issue.

Before paying your debt, signup for Credibble DEBT. We can show you your best solution(s).

Debt collection agencies usually accept credit cards, debit cards, standing orders, and direct debit payments for your debt balance. You can make a lump sum payment or pay in instalments. Creating an online account allows you to arrange a payment plan with them.

If a bailiff arrives at your doorstep because of your account, verify their identity before you give them any money or possessions. Also, ask for a receipt. The company will probably charge collection fees on subsequent visits, so seeking debt advice is important.

At IVA Advice, we can provide you with support and expertise for your debt matters. Additionally, independent bodies such as National Debtline, StepChange, and Citizens Advice can also assist you. By reading a single article or guidelines document from these charities, you will see that you have support and are not alone in your debt management journey.

Debt collectors can be extremely persistent when it comes to pursuing outstanding debts. This is because they have purchased your debt from a third party and will only make a profit if you pay more than they paid for it, along with the costs associated with their collection efforts.

Depending on the type of debt and where you are in the UK, debt collectors may be permitted to pursue you for six years.

Bailiffs are only allowed to enter your home if they collect a debt related to stamp duty, income tax or criminal fines. It is important to note that this is considered a last-resort option for debt collectors. Moreover, bailiffs are only authorised to use reasonable force, which usually involves using a locksmith instead of breaking down your door.

A debt collection agency is contacting you because they think you owe them money for a debt that another company previously owned.

To determine an affordable debt payment that won’t leave you and your family without basic needs, it’s important to create a detailed list of your income and expenses and then identify which costs you can reduce to free up money for repaying your debt.

Debt collectors can take legal action against you and bring you to court for not making debt payments, but they do not have the power to send you to prison

It is not advisable to invite debt collectors to your home. If you need guidance, please don’t hesitate to contact us. Bailiffs are only permitted to enter your home under certain circumstances, such as to collect fees for criminal fines, stamp duty and income tax. However, this should only be done as a last resort.

Debt collection agencies are allowed to pursue payment from you for up to six years, starting from the date of your last payment or acknowledgement of the debt, unless they obtain a County Court Judgment. Alternatively, you may be able to use a debt solution such as an IVA to eliminate a portion of your unaffordable debt.

If you don’t pay your creditors, a court can issue a CCJ, negatively affecting your ability to obtain credit for up to six years. You might also face difficulty in securing a mobile phone contract. It’s important to note that in Scotland, the CCJ process enforces a debt by diligence and follows a slightly different procedure.

If you don’t fully pay off your CCJ within 30 days of receiving it, it will appear on your credit report for six years, regardless of whether you repay it sooner. This may lower your chances of getting approved for additional credit.

A way to manage your debts is through an individual voluntary arrangement. It involves making a fixed and reasonable monthly payment for five years. After that, the remaining amount you owe is discharged. However, for this plan to go forward, 75% of your creditors must approve it, and you need to work with an Insolvency Practitioner to qualify.

The typical length of an IVA is five years, but it may be reduced if you make additional payments or extended if you arrange a payment break with your Insolvency Practitioner.

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