Hi there, I had a judgement in default made and have been trying to pay. It was originally through Capquest and Arrowe Global, but I tried ringing Capquest and they say they can't handle it because it's 'in litigation', tried calling Restons automated payment line - that didn't work either. Then, tried Restons website it says "We are currently unable to accept web payments against this matter, please contact Restons directly to make a payment." I actually have never received one letter from Restons only from Capquest. The second matter is that I actually wanted to defend but was in hospital when the claim form went through. I kind of want to try and overturn the CCJ, but it is important to me to be able to rent a property in the future. Also, why won't they let me pay? any ideas? Lastly my judgement was for 585, but I believe last time I looked the payment they want is 650. Thanks

Hi – wonder if you guys can help. I have acknowledged on line with Moneyclaim – and now need to prepare a defence… Name of the Claimant: Arrow Global Limited Date of issue – 26TH July 2016 Defense due: 25th August 1.The claimant claims payment of the overdue balance due from the defendants under a contract between the defendants and orange dated on or about October 2010 and assigned to the claimant on December 2012. Default balance £439.63 Court fee £35.00 Legal fee £50.00 What is the value of the claim? £524.63 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? MOBILE PHONE ACCOUNT When did you enter into the original agreement before or after 2007? AFTER Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT PURCHASER Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NO Why did you cease payments? I only remember I wanted to cancel the contract – and discussed with them – but cant remember why or what happended? What was the date of your last payment? August 2011 I think Was there a dispute with the original creditor that remains unresolved? Only in trying to cancel the contract – I seem to recall I wanted to cancel and had to wait 1 month until the year was up. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO Do I need to request a SAR from orange and a CPR31.14 FROM Arrow? In the meantime how would I prepare my defence?

Hi All, received a threat letter from Reestons that had to be sorted by 15th July. So I sent cca request to Cabot. I have received nothing at all back from them, but unfortunately I now cannot find my proof of postage from Post Office. However, I know that all I have ever signed from Sainsburys was an application form in store, so I doubt that they have the correct documents. Today 25th July I received court papers from Northampton court that were signed on the 22nd July. What are my options for defending when I do not have documents to prove anything. The last time a payment was made on this account was in july 2009, and it has bounced around numerous agencies since until it reached Reestons. Any help would be greatly appreciated in this matter.

Hi I need help urgently hope anyone can help? I took out an unsecured (rolling) loan with Hfc in 2000, I got into difficulty in 2007 when i was really ill, account was passed to weightmans who informed me that they had obtained a charging order on my house, (I have never seen proof of this & stupidly never asked) to cut a long story short, I have never heard from HFC themselves since Nov 2006 & weightmans since sept 2009 ( i stll have the letter, which in it refers to the charging order) I have buried my head in the sand & havent paid any thing on this account since 2007! Like I said I have never heard from HFC until I contacted them in Sept 2012 regarding a PPI claim, when they then started persuing me for payment, the letter stated they had wrote/phoned/text on several occassions which is all lies! Next I received a letter headed Beneficial finance, then they got reestons solicitors involved This all happened within weeks!! but when I wrote asking for more details proof of agreement etc they were I feel purposely slow to response & sending un-readable copies which I had to re-request! The next thing I know they were taking me to court, I did reply but think it may have been a litle late & before I knew it was granted in their favour due to not replying & wanted full amount forthwith! I can not afford it it amounts to £4400! so I have filed a N245 form, was this the correct thing to do? a couple of days after I received a transfer of proceedngs to kings lyn county court for enforcement, what does this mean? I am so scared the baliffs will come, my husband thinks I paid this off ages ago!!! When weightmans told me previously they had a charging order do you think they were trying to scare me?? Can Hfc take me to court twice for the same debt if they already had a charging order? If they didnt have a charging order what are the chance they will go for one this time, I would rather have this than the baliffs come! How much time do I have & how does the N245 work? I so worried, I keep searching the internet for answers & just get myself more anxiuos!!! so sorry if it all seems so messed up & rambled!!! xxxxxx