Hello again, I have battled through this statute barred debt with Restons & with the great help from CAG. For the last 8 weeks or so I have received phone calls from Cabot every other day, sometimes 8.00am sometimes 9.30pm also on Sunday. I have them all logged and as I have caller display it always goes to a/phone. The message is always the same,'This is a personal call from Cabot Financial to .............please ring etc Now I have no intention of answering, Restons have backed off but is there anything I can do regarding these calls please? I have blocked a couple of eir numbers but of course they have various. I should love to answer & tell them where to go, but I assume this is what they want? Any help greatly appreciated.

Restons are so considerate! Today I received a letter offering me a discount of £500 if I paid at once, failing that if I put a monthly offer to their 'client'. I have now found more corres. that proves it is over 7 years old & the letter I wrote to Next stating the lack of CCA. So I am going to ignore these ***** from now on! thank you for all your help and advice, when you first open a County Court Summons it is so scary, so thank you all again!

Latest from Restons: Statement of goods purchased 20/8/12 incorrect, items I would never have purchased - cobbled together- Quote; Reconstituted Credit Agreement (no signature of course) Notice of Assignment 5/8/16 - never received Purpose of this letter is to give me the opportunity to withdraw my defence before an application made to lift the stay (formN9A) Alternatively our client is prepared to consider reasonable settlement proposals I may wish to put forward to resolve this matter amicably and avoid continuation of litigation. Unquote They are so determined that I am determined to ignore.

Another phone call from Cabot 10.00pm I have caller display and all their calls are logged on my phone, harassment! I am happy to go to court if it comes to that, I have all my docs re ill health & operations which I will produce at Court. I am NOT sharing my personal history with some two bit debt collector who is trying their hardest to wear me down. I have submitted my defence, so no more for me to do (except pay them!!) I shall await their next move.

Restons seem to have passed the debt back to Cabot? I have sent no correspondence to Rest since their enquiry re producing proof of my health. Cbot are at present phoning every day and leaving a message on a/m which I refuse to respond to. I am assuming that Restons even tho' they love litigation are leaving this alone??

Hope so, thank you all for your help, what would we do without CAG? donation made for Martin RIP!!!!

Andy, thank you I am clear now. So I shall just wait & see & if it moves to County Court,fine I will take all my paperwork and as I am retired with a disabled hubbie I'll offer £1.00 per month as all I can afford.!

I did read what tenacious .....s they were, but I sent an honest & true account defence docs to the Court, these have been ignored by R's so I do not know now whether the Court is still involved or R's are just pushing it to see how far they can go..

I note it makes no more mention of Court proceedings, other than they are aware they received my defence in plenty of time. So it has taken Restons nearly a month to write what amounts to a 'threatening letter' who would ask for written medical proof? I am not about to share my numerous operation details with them!

So do i just ignore it? I am so angry that they have the gall to ask me prove my medical history, Can I ask how much they paid for this debt & how much they make on it? I really am so angry about their attitude, shall I just ride it out?

Scream in anger!! Letter from Restons today, dated 11th July. They maintain they are a debt purchaser & are advising that this is simple debt recovery action. Then they refer to o/s balance, still maintain 1991 account opened. 2. Statements would have been sent monthly (not true, also this has been through various debt collection companies) Moorcroft, 1st Direct etc 3. failed in my defence to mention Next terminated the account. 4. Next within their right to transfer to a third party . This firm was instructed on 20/4/18 and a letter of claim with pre action protocols sent Additionally the last payment of £30.00 was made 5/3/13 (incorrect) & a throw purchased 4/8/12 incorrect!!! Confirm that letter referred to in Defence not received by R's not aware of request for CCA & it does not mean that the lack of CCA does not render the account unenforceable & that the client is unable to recover the debt indefinitely. They note information re my ill health & require proof & documentation to be sent by 25July to them. This to ensure my account is managed in accordance with Data protection! End of letter states Client is prepared to consider any reasonable settlement proposals to put forward in order to resolve & avoid continuation of this litigation. Please contact this office within net 14days or complete encls. financial statement. (Which I have no intention of doing) signed *********Paralegal So what now please?? any help greatly appreciated, this firm is writing their own rules & storyline, I nearly give up.

Great! Just when I thought it was safe...............

No response & 29days gone!! Hope Restons have backed off now, either way Thank you all for your help , fingers crossed for everyone else involved with these horrible people!

I am just counting out the days. Letter from Court dated 11 June & 28days given for Restons to respond. I have heard nothing from them, fingers crossed all will be OK. I will be looking with interest at the post for the next few days.

Thank you for all your help and advice. It is in the lap of the Gods now, so I'll wait and see, but if I ever hear the name Restons in the future my blood will boil, horrible horrible firm of leeches.

Sorry, I have submitted the statue barred defence to the email address provided by post 50. This am I received a letter from the Court saying ' quote I acknowledge receipt of your defence. A copy is being served on the claimants ( or claimants solicitor) The claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally the claimant will inform the court that he wishes to proceed. The court will then inform you of what will happen. Where he wishes to proceed, the claimant must contact the court within 28 days after receiving a copy of your defence. After that period has elapsed, the claim will be stayed. The only action the claimant can then take will to apply to a judge for an order lifting the stay ' unquote So is this promising please? the letter is dated 11 June.

Have accessed the MCOL but it will not allow an input the application says defence received 11/6/18 I have tried all ways to register a defence using the Gateway number but I cannot type anything in any boxes ??

I only completed the N9B defence form & sent it in to the court.. I have retained the N9A (admission form as it does not apply) and have the N1SDT form header letter, addressed from the County Court Business Centre setting out the details that Restons have supplied, ie . date 20/4/18 item: Default Balance 1718.70 Post refl balance nil total 1718.70.

I completed the dispute claim totally and returned that form. I also typed a resume of the answers only of post 25. In addition I sent a copy of the letter sent to Restons requesting a CCA and noted that one had not been received by me. I also sent a copy of the form referred to in post 6. from Restons. So in addition to these docs. I submitted a defence to the effect that no CCA had ever been shown to me and the timeline from the date of so called agreement to now was many years and incorrect. I have had no contact with Restons, just the issuing Court.

Many thanks - but the Defence/dispute claim I have already submitted to the 'Court' indicates time scale/lack of CCA/ will this be sufficient? will it be better to await the outcome? I am so so angry that Restons have tried this on, without real warning & aware that it is SB, also not I am not being flippant, it is not exactly for thousands of ££££'s!

The last payment was in 2009, I have found additional letter from Next prior to them handing over the debt to Moorcroft, since then it has done the rounds to various debt companies. I heard nothing for about 4 years then it resurfaced, nothing again until I started to post when Cabot was handling it, then nothing until Restons took over in May.

Refusal to send a copy of the CCA. I also sent a copy of the letter in which Restons state they will not supply a copy of the CCA. I read a response to me that implied the refusal of aC CA was incorrect and Restons had included this as their 'own interpretation in letters.

I meant to say that I have returned the form disputing the claim in full. I meant that Restons have no paperwork because the date 1991 is a total fabrication/guess. I sent in the Acknowledgement of Service & the defence details.

I will follow post 29 & will try to login again, I could not reach their helpdesk, constantly engaged - does this mean that although I have sent in the hard copy of the order & my defence as it is NOT online will it be ignored?. Thank you so much for your help & advice.

Where 1991 came from I have no idea, they have no paperwork and I certainly was in no place to take a store card out as I wa recovering from a kidney removal, so it has to be early 2002 When I tried to log in using the password it was unrecognisable on the court site, 'incorrect'so now I;ve sent off the defence no claim paperwork, is this incorrect will they not use it?I cannot log into the site using the claim number & password