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About EmSE1

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  1. Great, thanks so much to you both! So I do nothing? I filed my defence on the 13th June and the letter from the court acknowledging receipt of the defence was dated the 13th June Seriously, how do these people sleep at night!?
  2. Hi, me again! I have received a letter from Restons in response to my defence, it reads like this: We note you have recently filed a Defence to the court proceedings issued against you. You have admitted within your Defence that the Default notice was issued on or around 09 June 2017. However, you further assert that as it was issued 7 momths after the breach the Claim is still statute barred. You state that the last payment was made on or before 26 November 2010. Non-compliance of the Default Notice is a cause of action, and regardless of whether t
  3. Hi, I am about to submit the following defence - please let me know if this is correct as the second half of point 3. confuses me (the part which says 'which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts???)...... 1. The Claimant's claim was issued on 15/05/2017. 2. The date last payment made was on or before the 26/11/2010 3. The Default Noticed was issued on or around the 09/06/2011 and served several months after the initial breach thus the cause of action delayed by 7 mont
  4. Thanks so much both - I will update you with whatever happens next!
  5. Okay, so I am good to go to reply with the defence you advised I respond with?
  6. Sorry I didn't realise that mattered Its a credit card number so 16 digits in this format xxxx xxxx xxxx xxxx Thanks!
  7. Particulars of Claim: The Claimant claims payment of the overdue balance from the Defendant(s) under a contract between the Defendant(s) and HSBC dated on or about Nov 2003 and assigned to the Claimant on May 19 2015 Particulars a/c no: xxxxxxxxxx Date: 10/02/2017 Item: Default Balance Value: 9987.14 Post Refrl Cr NIL TOTAL 9987.14
  8. Amazing - thank you so much, I will be filing my defence as soon as I get home tonight! I am currently 7 and a half months pregnant and have found this whole process quite stressful, I have been advised by my doctors to keep my blood pressure in check, and this hasn't been helping! So its nice to know I am not alone! These compete cowboys need to be held accountable, I will be making a formal complaint to Restons and the Financial Ombudsman after all this!
  9. Thank you so much for your response! I am 100000% sure the debt is statute barred. I would love to be able to file the SB defence please... .. In the meantime I will call HSBC just to quadruple check the last payment date!
  10. Ahhh got it - court papers are at home, so I will update you with this info this evening!
  11. Sorry I don't understand - what it says on the court papers the claim is for? BTW - I have become confused in my original post - this has nothing to do with MBNA - this is for an HSBC credit card debt and the debt company making the claim is Arrow Global being represented by Restons Solicitors
  12. Name of the Claimant: Arrow Global/Restons solicitors Date of issue: 15th May 2017, I have lodged my acknowledgement of service so have until the 16th June to respond What is the claim for – the reason they have issued the claim? old Credit card debt from HSBC What is the value of the claim? £9,900 plus court costs of £400 Is the claim for - Credit card When did you enter into the original agreement before or after 2007? 2003 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser
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