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beatrestons

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About beatrestons

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  1. The CCA request to our creditor helped us the most. We then did one to Cabot requesting details of internal communications between Halifax/Cabot/Restons. That was fun reading! Panic and gaps. From what you have said it SHOULD all be OK , but I know what you mean about the uncertainty. Hope you get a judge who wants to kick their immoral arses.
  2. Spot on, the clue is in the name . They chased us for £3K. We owed Halifax £7K, set up a DMP with Stepchange and fully paid off the £7K. During the 12 years of the DMP Halifax charged £3K in interest, despite promises not to etc. After the DMP ended they passed the 'debt' around the houses and then it ended up in Cabot's hands. To cut a long story short we had the usual letters from Reston's, and the claim which we defended. It was stayed. A year later Reston's applied to have the stay lifted and their intention was to request the judge to strike out our defence bla b
  3. I would love to know more about Ground Five. Goodness me they are bullies! Is it appropriate to ask for examples of what makes up each ground for appeal??? Perhaps other forum members can advise?
  4. Well done for getting this far. Your story is pretty much identical to mine. Restons really are a bunch of idiots. I would say yes, if the appeal is granted then attend. In my experience the judges are getting pretty peed off with the way Restons operate. If they truly had a case against you they should have got their act together 18months ago by the sound of it.
  5. Original debt was with MBNA and was £6,200. Paid off monthly with DMP over 8 years. Interest and late payment fees of £3000 added. I am glad we had records of every contact, every phonecall. When the SAR was returned there were so many gaps! They sent a CD with one phonecall only, who knows what happened to the other 20!! Thank you once again. The help of these forums is invaluable.
  6. Hi there, First post on here but have followed the stories of many previously - what a fabulous source of info, reassurance and advice. I hope my story will offer the same. In Dec 2015 we received a County Court Claim Form from Reston's re an alleged old credit card debt. The agreed debt had been paid off two years earlier with a DMP but there was a query re applied interest and late payment fees. Reston's continued to pursue, we continued to ignore them but behind the scenes followed the advice on here around SARs etc, preparing statements, evidence and generally
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