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  1. Hi, hope someone can help. This is in regards of a 'stayed' case from August 2016 Via the County Court Business Centre. Cabot/Restons At the time I requested documents those being: 1. Agreement/Contract 2. Default Notice 3. Assignment These never arrived within the period of 12 days, then a further 30 days. I went on to deliver my defence and ultimately the case was 'Stayed' Present day: I have just received a photocopy of a credit agreement with spreadsheet statements from Cabot who now which to 'discuss the options available for this account.' My initial
  2. Hello, As seems to be the case with a few people on here and other forums, I have recently received court papers from Arrow Global on what I assumed was a written off (or statute barred) debt. I am now aware of the standard template and answers I need to give - but I did just have a quick "pre question" - it would appear that I made a "rogue" payment on this account (not to Arrow - but to a different DCA) in 2012 - I had a Standing Order set up on an old bank account - forgot about it - and happened to have enough money in account to pay it - other tha
  3. Hi hoping someone can help/advise, I received a CCJ for the amount of £2802.71 for a credit card. England based. I can't pay this and on the form it does not tell me how I can pay this off in instalments. I have lots of debt which I am dealing with but this one slipped through, my fault totally. Any advice on how I should proceed would be much appreciated. Many thanks.
  4. Hi, here I am again... .6 years ago I had a breakdown, got into about 35K of debt, 3 CCJs which 1 is a charging order and this has just popped up. I am DESPERATE not to get another charging order so want to negotiate with them. I don't have the original CCJ nor any of the paperwork from Debenhams. .this debt has been passed round various DC over the years, all of which I've ignored.. but this I think Restons will take further.. I am on ESA in the support group with no chance of returning to work. My dad will help me, so I want to offer then 10% b
  5. Hi I received some excellent advice from CAG after I had some major employment and debt issues between 2008 and 2011 which resulted in a number of my accounts defaulting, once again I am in need of assistance please. One of the alleged debts I defaulted on was in respect of a BOS Credit Card, under duress I continued paying £1 per month until August 2016 when it was sold to Cabot Financial. The balance claimed is around £4k. Cabot quickly passed the account to Restons who wrote in February 17 threatening legal action to which I issued an unsigned CCA request together with a £1
  6. Dear CAG Restons have written to me: That they have been instructed to review my payment plan. That I should provide my financial information and breakdown again. That they want to determine if the payment arrangement I have with them is affordable. Please advise, if I am correct in understanding: a. I am required to remain compliant to the actual order by the court. (in the court order it states, "the claimant had objected to the rate of payment you have offered. The court has therefore decided at the rate which you should pay.") This is via monthly in
  7. Good evening, When i was a lot younger i ran up quite a bit of debt which became unmanageable once i had children and cost of living increased. paid into a DMP for a few months and then defaulted this was in April 2013. I have pretty much ignored all contact as no one was taking legal action. I have had some discussions with Restons over the phone about this debt as i tired to agree a repayment plan. but could not stick to it as it was un affordable to me. Today i have received a CCJ claim from the for a total of £5131.05. The debt is from an MNBA credit card which i
  8. Name of the Claimant ? Arrow Global Limited Date of issue – 15/09/2016 What is the claim for – The Claimant claims payment of the overdue balance due from the Defendant under a contract between the Defendant and Marks and Spencer Financial Services PLC dated on or about Jan 27 2005 and assigned to the Claimant on Feb 12 2013 PARTICULARS a/c no - xxxx xxxx xxxx xxxx DATE ITEM VALUE 29/01/2016 Default Balance 6000.00 Post Refrl Cr NIL TOTAL 6000.00 What is
  9. Hi I wonder if you can help... I have an outstanding debt of £798.22 which was an MBNA CC from 2011 - this has been passed round collection agencies since then and I haven't made any payment or acknowledged the debt till Nov last year. I am currently not working, been on ESA for years and have very little prospect of returning to work. My dad offered to help me clear my debts so I can move into an adapted rented property . I wrote to Restons and offered them 10% of the outstanding debt and explained I had a chronic health condition. They replied a month later r
  10. My wife has been getting calls and texts from Cabot for weeks telling her to call them about a matter they wish to discuss, but they ask for her grown-up daughter's name. She has happily ignored the calls and texts, nothing to do with her of course. A letter arrived recently advising that Restons were going to make a claim in court for over three and a half thousand pounds, not a trivial amount so they may actually try. BUT, the HFC Bank account was started in 2006 and defaulted soon after when my step-daughter lost her job. The letter states the account was terminated in Janua
  11. I have been reading this forum for advice so think I know what to do but I have a few questions. Yesterday I received a 'Notice of Warrant of Control', from my local county court (Chester) asking for £536 or the bailiffs will call 4th Feb. It is for not paying a CCJ judgement from Restons (originally Next). I emailed them in May last year when they got the CCJ asking to pay £15 a month and asking for bank details, no reply and now this. I have other CCJs/debts so never chased up at the time, tbh head is a mess and I forgot. My questions; 1 - Is the debt now owed to b
  12. I have a debt with citi financial going back to about 2008, for around £3k on a credit card, i have been paying £1pm stopped when i moved house, the debt company Cabot have instructed Restons to issue court proceedings against me in order to get a charge put on my house which i now own outright. I have asked if they will accept payments of £40pm to prevent court action but they have replied saying that unless i repay the full amount before the 8th December they will issue proceedings. Is it worth getting a CCA request asking for a copy of the agreement to see i
  13. Hi Everyone Back again as Caboot are back. They appointed Marrlin who wrote to me asking for payment in full on a debt that I believe to be Statute Barred. Last contact from Arrgos Card Svces was in 2006 when they sent a notice of assigment. Payments continued to Moorcroft, unfortunately I cannot find the paperwork regarding this issue, it may be in attic. which I will need to access later today. I received letter from Reestons yesterday, the letter was dated 7 days prior to me recieving it. I have to contact them by next Tuesday, if I do not they submit a claim to the
  14. Hi, I have an old credit card debt dating back a few years - I was too ill at the time to deal with it and was taken to court and ended up with a CCJ. I wasn't able to make the payments the court told me to pay but Restons agreed an arrangement of a minimal payment each month to run alongside the Judgement. I have paid each month and never missed a payment. Today I received a letter from them with an 11-page questionnaire about my finances and other personal details - if I do not reply within 7 days they say the arrangement will be cancelled and they will advise the client to begin r
  15. Hello,this is my first post and I am seekng advice. I received a letter of claim from Restons. Following on from the advice given to others in the same circumstances as me, I sent a CCA request to Cabot and downloaded the PAP reply form, from here and filled it in. I followed the instructions on post 6 on the PAP thread. Well hubby did as I couldn't get to type in pdf format. I have receved a reply from Restons but don't understand why they are askng me to explain on a separate piece of paper. I thought I had? restons reply 13 04.pdf
  16. Hello I am writing on behalf of a friend regarding an outstanding debt (overdraft) with Halifax Bank. Since 2015, this has gone through Wescot Credit Services, Cabot Financial and is now with Restons Solicitors. They were out of work for a time but are now employed and wondering how to handle the Letter of Claim sent from Restons on behalf of Cabot. They are asking for payment of the sum £1,261 by 18 May and this just isn't possible. They say if it's not paid they have instructions to issue a Claim in the County Court for the full balance plus fees and costs. They then
  17. Hi Guys I have received a letter of claim from Restons solicitors for a debt bought by Cabot financial. I have made a complaint to the financial ombudsman that the original creditor ‘ a credit card company ‘ refused to deal with several mistakes on my account over a year before Cabot bought the debt and simply told me to deal with the 3rd party debt collectors. The ombudsman said that as they were still the legal owners of the debt they had a duty to deal with me and not pass the buck to the debt collectors. The amount Cabot are claiming is for £1800 when the correct amount a
  18. I got a pre action protocol letter with a form, from Restons for a next account which has been passed to Debt Managers (Services). I ticked box I and requested a copy of the contract, statement of account, details of any administrative charges, copy of notice of assignment and a copy of the default notice. I received a reply from them providing with a few details; date account was opened, address used (which is incorrect btw), last order date, last items ordered, last payment date and amount. The letter says I have not provided any information as to why I don't know if I owe the debt
  19. Name of the Claimant ? Cabot Financial UK Limited Date of issue – 17th January 2018 What is the claim for – 1.The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Tesco Personal Finance Plc dated on or around Oct 20 2012 and assigned to the claimant on Aug 14 2017. Particulars are a/c no xxxxxxxxxxx DATE 11/12/2017 ITEM Default Balance Value Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I received a PAP and responded with a
  20. This is for an old overdraft that may or may not be statute barred but no one will reply to me to tell me! Court papers issued, filed defence asking for all paperwork etc and proof not statute barred, Northampton then asked for some kind of form to be filled out where Restons asked for a three month stay and its now been transferred to local court and I attach what the Judge has asked for. Need some advice on what I do as this arrived yesterday and dated 26th so I guess 5 days service plus 7... .Interesting to see that Judge has a) Referr
  21. I've had a MoneyClain from the Northampton BC, Sainsbury's Credit Card/ Cabot - Restons Solicitors). I have acknowledged receipt through MCOL online and I'm filing a defence today. I sent a CPR 31.14 asking for the documents mentioned in the Particulars of Claim. I have this morning received a letter from Restons stating the reasons for not sending me the required documents. I did try to speak with Restons when I first got the claim but their position was pay up now in full or else. Pretty unhelpful and somewhat Cavalier. I must send my defence today but
  22. Good Afternoon First post so be gentle.... Basically i got a first letter through from Restons via claim form from a debt from 2002, which i sent back the CCA and was abruptly pointed out it was a letter widely circulated on the internet and they didnt belive there was a genuine dispute. In summary MBNA transferred the rights in 2006 and i was advised i should have had a letter stating this around that time along with a notice of assignment from Arrow Global Accounts who had bought the debt apparently. I wrote back to the letter dated 27/05 to advise of new address to send
  23. Hi Ive just received a letter from Arrow stating that my debt with them (which i did not know i had) is now with Restons, I just called restons to find out what the debt was for and was told it was HSBC but passed to them from Arrow, i disputed the debt and was told that they would take legal action, I offered a settlement of £900 as the total of £1750, but it was declined Any advise please Thank You
  24. Hoping someone can give me some advice here. Arrow Global and Restons have issued me with Court papers for an HBoS debt which goes back to 1997! Over the past 10 years I have requested the CCA and have SAR'd other DCA's but the CCA has never been sent, only an Application Form with retyped up-to-date Terms and Conditions. Now, of course, Arrow Global have applied for a CCJ. I don't think I would be able to go to Court myself (as a pensioner I don't have the funds for the trip to Northampton for one thing) but do you think I should dispute it? And if so
  25. Hi please can you help me, I have received a court claim from Arrow from Northampton Court, for the claim of £4900, issued 8 days ago was a bank loan issued opened up in 1998, , last know payment was 2008/9. I have not acknowledged this debt, or any comms from me to Arrow I have filed online that I will contest this claim, hopefully on Limitation Act 1980 can I now send off a CPR18 request to their solicitor ? what is should I be asking for in the CPR 18 ? All of the below 5 details ? 1.The agreement/contract, including the specific Ter
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