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About Outoftowner

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  1. All, Unfortunately an update from Restons again - they have just sent another letter saying they are sending the court a 'application notice and supporting evidence asking the court to deal with the application without a hearing as they do not consider a hearing neccesary. Once this has been referred to a judge, he/she will then either make a judgement or consider if a hearing is necessary. Either way I should receive a order fromt he court in due course which confirms the decision made. Can I please ask what I should do now - Is this just Restons still flexing their muscles
  2. Hi - Just wanted to update everyone. I followed exactly what I was advised below and as stated, I have heard nothing since. It's now been a couple of months - no letters, no more threats etc - What a relief. As you are all no doubt aware, this is very stressfull and I had many a missed nights sleep with worry but hoping thats now gone for good. I just wanted to say a BIG thanks to everyone that took the time and energy to advise and assist - Your all stars Thanks Again
  3. OK thanks - so just to be clear - I don't have to do anything - contact the court etc ..?? - what should I expect to happen next ? Thanks in advance.
  4. Hi All - I have now received a response from Restons and would appreciate any advice on what I should do next. The letter received is as follows : Dear Sir, We note you have recently filed a defence to the court proceedings issued against you, whereby you state that previously left the country, have had no contact with Lloyds TSB since that time and therefore do admit any debt is owing to said company. By way of explanation, Arrow global limited is a debt purchaser. We would advise that this is a simple debt recovvery action and the relevant facts are as follows: 1. The outsta
  5. How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form. Do you dispute this claim because you have already paid it? No, for other reasons. Defence
  6. Quick update - Having received some advice from the Citizens advice and having only today to input my defence, I have entered a defence that this is a unknown and non acknowledged debt and even if this did exist, It would now be statute barred. Will update thread when I get a response.
  7. Hi - I have just got off the phone to Lloyds recovery unit and they have confirmed that they have sold this 'overdraft debt' and also a unknown ' Loan' to Arrow Limited to recover the debt. They stated that as this has been sold, they have no statements or details of the account or loan as this has been passed to Arrow. I will draft another CPR 31:14 to Restons / Arrow for details of the Loan they have now also mentioned as it's only a matter of time before this one gets escalated to CCJ claim aswell I presume. Is there anything else I should do whilst I am waiting for A
  8. Hi UncleBulgaria - Thanks for immediate advice. Yes I am now back living in the UK albeit in a differen't part and nothing linked to the old address so no Idea why this has come back to haunt me. I haven't contacted Lloyds yet as was worried about what else might happen without some proper advice first. I know I left the UK on February 3rd 2011 and know for certain I didn't make any payments after this date to any Lloyds account. If this is all interest and charges, will these possibly be reduced if Lloyds sends me the statements ? Drafting the CPR 31:1
  9. Help please. I have received a CCJ claim pack from Rentons solicitors in regards to a apparant debt linked to a overdraft I have no knowledge of. I have answered the default questions below. Can someone please offer advice / assistance on what I should do now please. I have completed the Acknowledgment of service on the money claim website so the clock is ticking now. Please help Name of the Claimant ? - Restons / Arrow Global re: Lloyds bank overdraft Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.
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