sorry to start this thread up again, not been on the site for months due to wife's illness and other stuff. Just to say that Restons did eventually get a CCJ against me (the judge seemed to be totally on their side) but it's for £5 per month ;-) It's been a long slog and very stressful but given that the judge disregarded virtually every piece of evidence I put forward, not a terrible outcome under the circumstances. It's the amount I offered to pay 2 years ago, and it was nice to stick it up them regarding the charging order!

the obvious answer to them is that it would cause financial hardship if they took any benefits from you, we had to bring that one up when negotiating the repayment of a crisis loan.....(it worked for us)

yes, they are certainly like a hungry dog with a bone when they want to be! Has your partner had a carers assesment yet? might be worth googling it if not, but be quick as the financial noose is being readied due to the horrific budget cuts on their way

I thought they couldn't take benefits from a "different" claim, ie one which is unrelated to the disputed case. They accused me of a tax credit overpayment years ago and wouldn't leave it alone, however when I claimed recently with my new partner it was not even mentioned as it is classed as a new claim (due to a different person involved) Surely the carers allowance is being claimed for something which has happened recently? I also claim cares allowance and there is something called the carers federation who may be able to help?

sounds like some good news at last! trouble is they closed ranks on me and flatly refused they had made a mistake for about 4 years. Never got settled officially but not heard anything for a couple of years now..........

I've got a complaint about to go in to the SRA about these ar#e holes. Just waiting on a few loose ends

they took my partners benefits out of her bank (Halifax) to offset a disputed overdraft. we ended up stuck in our tent in the rain with no money for petrol to get home. Got it back a few days later though! (they picked on the wrong person when they stole her money!) lol

just a quick post on a new service brought in October this year. It's called the legal ombudsman, but it's of little use to us in general because it's to complain about a solicitor WHO IS WORKING FOR YOU, not working against you so to speak. I called them to complain about restons, but they wouldn't help because it was not me who had retained them. Suppose MBNA could ring up and complain about them on my behalf, but I wont hold my breath! lol

well I get plenty of silent calls so i'll give it a go, no harm in trying!

good plan. I will do that and report back. The most irritating thing about all this is that i'm paying them what I can afford each month, and they wont get any more at court (possibly less!) it's just that they are such a--e holes I want to get the judge to rip them a new one. Hence my letter to the court, and my forthcoming complaint to the SRA.

thanks uncle and donkey, i'll have a read up on those threads and decide what to do next. just to reiterate, I have never received a notice of assignment, letter of intention or notice before action from these clowns. Also, (and obviously!) the CCA contract or copy was not attached to the POC. My letter informed the court of these ommisions so am wondering about ringing the court in a day or so when they have read it. Am only on about day 2 of my 28

any thoughts anyone?

have just received a letter from Restons ...... re the CCA request, and I quote blah blah "your request is returned to you because we are not the creditor, we are a firm of solicitors" It continues "in any event, it may be useful to explain that there is no longer an "agreement" as this was terminated when you failed to comply with the terms of the default notice issued to you by the bank. We refer you to the judgement of his honour Judge Simon Brown QC in Rankine v American Express Europe ltd" well that wasn't what I was expecting at all! any comments most welcome (I have responded to the court to get my 28 days)

letter before action. it is what should be sent before legal action is commenced (to give a chance for settlement etc before court is involved)

right, letter to the court is written, what evidence I have is collected. Now to get it posted and see what happens.