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HFC (Household Bank) & Restons


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Hi

This may waffle a bit but I am hoping it will make sense. :???:

Back in 2003 I had an personal loan from Household Bank. All was fine and I paid the monthly sum religiously up until about 18mths ago when my financial situation changed and I couldn't manage to meet the amount due. I then contacted Household Bank and agreed with them to make payments at a reduced rate. Unfortunately, I fell behind with these as well. I was sent a CCJ and paid a couple of month's on this but then once again fell behind. Restons then landed in the picture and attempted to place a 'charging order' on the house.

By now I had also contacted Household, which by now had become HFC, with regard to attempting to reclaim my PPI. They sent me a form which I duly completed and to date (now some 4mths later), I have not heard anything from them at all.

However, Restons have still be chasing me like a Jack Russel chewing a bone. They now want to slap me with an Attachment of Earnings for £210 per month! I have also been sent the paperwork to complete my income/expenditure etc, which I returned. I wrote (quite a strongly worded letter) and explained to them that I was still waiting to hear from HFC regarding the PPI claim. I accused them of harrassing me and bullying me into submission of payments, I also told them that I believed that HFC were using delaying tactics by not contacting me. I stated that whilst the account was in dispute I was under no obligation to pay them anything at all even though I had made an offer of £30 per month for the moment which is all I can afford.

So today I received a letter back from Restons, saying that they disagreed with my statements on harrassment, bullying and delaying. They pointed out that even if I did get PPI repaid it would be offset against my debt (I already knew this would happen). Mind you having said that, I received PPI refunds from Lloyds TSB who not only gave me back the money, but they also deducted it from what I owed them! Restons also say that they have never received my offer of £30 per month.

I am supposed to attend court on 24 January to hear what is to happen over the Suspended Attachment of Earnings and I have also to respond to Restons letter of today by 19 January as they want some more information about income/expenditure.

Can anyone give me advice on how to proceed from here and how to avoid this Attachment of Earnings being enforced.

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