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Arrows/Restons - chasing a newday aqua card debt


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Hi,

 

This morning i have recieved a nasty letter from Restons about an old aqua card that has come to them from Arrow.

I have read online they are a nasty bunch to deal with and go down the CCJ route quickly.

 

I dont not want that to happen,

I have severe anxiety and already this is scaring me so much.

 

They need a reply by the 18th or they will go for a CCJ and I dont know what to do for the best.

 

I have no idea how to do a financial statememt and can only afford to pay a bit each month to get this paid off..

they are offering a short settlement payment,

but I will only be able to pay half of it and even that is going to leave me short as it will be out of my sons DLA and he needs that.

 

I am hoping someone can help me and give me some advice please

 

Thanks in advance.

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we are instructed by Arrow to seek payment from you for the outstanding balance on the above account, being £752.75. you have been previously notified of our client's rights to this account.

Failure to contact us by tuesday 18th April could result in further action, which may include the issue of a county court claim plus costs.

 

Our client may be prepared to accept payment by installments, if you wish to consider this option, please fill out the enclosed financial statement or fill it out online by the 18th April.

 

please note, they may be an opportinity for you to discharge your libility through a short settlement payment. If you think your financial circumstances allow you to pay a lump sum, please telephone us and provide a full financial history, without this our client cannot accept a lump sum, as it is important that any such payment does not have an adverse impact on your financial circumstances.

 

If you are experiencing financial difficulty, please contact us, we want to understand and help you come to an affordable agreement.

 

That is the text of the letter, sorry I dont have a scanner or anything. I am just worried as i have 5 children, 3 of which are disabled, our only income is benefits and I am worried about them trying to take my car or something as payment. I do owe this debt and should have sorted it sooner :(

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when did you last pay this

is it on your credit file

don't worry about rectums

 

usual rubbish

they nor arrows have any legal powers

they ARE NOT BAIILFFS

 

 

they are offering a discount = dodgy debt or no paperwork

and READ THE LETTER PROPERLY

it does NOT say WILL anyhere

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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aqua credit card.

 

 

was this a Halifax one or a newday one please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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we know that

 

 

I was trying to find out who the original creditor was

look on one of your old statements

was it newday aqua card

or was it a Halifax one?

you say you only got it 2yrs ago?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have you all the statements?

and when did you take this card out please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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