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If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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Mortimer Clarke Solicitors Debt Collection & Recovery

Mortimer Clarke Solicitors is a law firm specialising in consumer credit debt recovery litigation. Mortimer Clarke Solicitors collect for many different companies. Some of the brands and organisations that use Mortimer Clarke include HMRC, nPower, O2, EE, Virgin Media, United Utilities, local councils and many others.

Living a life full of stress is no way to live. Here at DebtBuffer, we seek to provide impartial advice for those currently struggling under the weight of debt. We want to help you get back in control of your money worries and put you on the path to living debt and stress-free.

Who are Mortimer Clarke Solicitors?

Mortimer Clarke Solicitors is a law firm specialising in consumer credit debt recovery litigation.

Why are Mortimer Clarke Solicitors chasing me?

Mortimer Clarke Solicitors will be contacting you in regards to outstanding debt. They also purchase outstanding debts, and they may now be the legal owners of your debt.

Is Mortimer Clarke Solicitors a legitimate debt collector?

Mortimer Clarke Solicitors is a member of the Credit Services Association and complies with the CSA’s Collector Accreditation Initiative. This is designed to regulate and ensure that debt collection companies operate in ways that are legal, fair and compliant.

Who do Mortimer Clarke Solicitors collect for?

Mortimer Clarke Solicitors collect for many different companies. Clients will contact Mortimer Clarke to manage their overdue accounts. Some of the brands and organisations that use Mortimer Clarke include HMRC, nPower, O2, EE, Virgin Media, United Utilities, local councils and many others.

Should I ignore Mortimer Clarke Solicitors’s letters or calls?

Regrettably, we don’t live in a world where debts go away if you ignore them. Debtors should not ignore letters or calls from Mortimer Clarke. If they do not hear from a debtor, they may start procedures to hire bailiffs or put your case through the courts.

Can I stop Mortimer Clarke Solicitors from contacting me?

Mortimer Clarke Solicitors, either working for a client or as the legal owners of your debt, are under a contractual obligation to pursue contact with you. There is no way to prevent them from contacting you, although you may be able to specify the form of contact you are most comfortable with. For example, if you are anxious about communicating on the telephone, you could ask to deal with your debt in writing or through emails.

Is my debt to Mortimer Clarke Solicitors statute-barred?

The Limitation Act of 1980 set rules in place for how long debts can be chased for. For most cases, debts cannot be chased after six years in England and after five years in Scotland. This time begins from the last time a debtor made a payment against the debt, or acknowledged the debt in writing, and is dependant on a debtor not having a County Court Judgement against them. If these criteria are met, then the law states that the debt can no longer be enforced. Contact Mortimer Clarke Solicitors with the specifics and ask them for any evidence to the contrary.

I owe the debt and I can afford to pay Mortimer Clarke Solicitors. Should I?

If the debt is yours, you should pay it. The quicker a debt is paid off, the faster the process will end.

How Debt Buffer Helps

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I can’t afford to pay Mortimer Clarke Solicitors. What now?

If you can’t afford to pay your debt, tell Mortimer Clarke at the earliest opportunity. They may be able to devise a realistic payment plan and timescale that will ease your debts, or you may require more specialist help. Do not commit to a plan you feel pressured into that may cause more problems in the long-run.

Can I write off my Mortimer Clarke Solicitors debts?

Debtors can write off certain debts but need to use an appropriate measure to do so. In England, Northern Ireland, and Wales, an Individual Voluntary Arrangement (an IVA) will consolidate existing unsecured debts into one. A debtor can make one lower monthly repayment towards this for a set period, most commonly 60 months, and at the end of the term remaining debts are legally written off.

What action can Mortimer Clarke Solicitors take?

As a debt collection agency, Mortimer Clarke can contact you to arrange repayment of the debt. This does not mean that they are allowed to harass you, and you can and should ensure they only contact you through reasonable means. They do not have enforcement authority and should not make attempts to enter your property. They do not have the authority to act as bailiffs and should not attempt to take personal goods for payments. They are not allowed to threaten, intimidate or lie to you about what they can and cannot do.

Mortimer Clarke is permitted to contact bailiffs on a client’s behalf and move through the legal system to pursue payment. They may take you to court to have a County Court Judgement placed against you.

Could my Mortimer Clarke Solicitors debts mean that I lose my home?

Unfortunately, any debt can potentially lead to your home being repossessed, especially if your debts mean you declare bankruptcy.

How do I make a complaint about Mortimer Clarke Solicitors?

If you’re unhappy with how Mortimer Clarke is treating your case, you can complain to them at:

Mortimer Clarke Solicitors, 16-22 Grafton Road, Worthing, West Sussex,
BN11 1QP or
Emailing us at complaints@mortimerclarke.co.uk or
Calling us on 0333 121 4454*

If you are not satisfied with the outcome of your initial complaint, you can refer your complaint to the FCA or CSA.

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Email: complaint.info@financial-ombudsman.org.uk
Phone: 0300 1239 123

Credit Services Association Ltd, 2 Esh Plaza, Sir Bobby Robson Way,
Great Park, Newcastle Upon Tyne, NE13 9BA
Email: complaints@csa-uk.com

If you require further advice on managing your debt, visit the DebtBuffer website for free and impartial advice. Our AI chatbot is ready to help you further understand your debt options. Our chatbot will ask a series of questions to help work out a possible debt solution that works best for your circumstances, as well as letter templates to ensure you receive fairer treatment. Don’t hesitate – find a way out of debt today.
Phone: 0191 2170 775

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.

WHY PAY MORE?

26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

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