Restons Solicitors / Arrow Global Limited

[alacabam]

Hi, I think this it the right place to post this?

 

So a week or so ago I receive a letter from Restons Solicitors acting on behalf of Arrow Global Limited, regarding a debt owed to HFC that was taken out in 2001. This debt in my mind is statute barred no payments have been made towards it and it was never acknowledged for a 6 year period, and it no longer appears on my credit record.

 

This evening I get a phone call from a someone at Restons solicitors asking for payment, I told here the debt is statute barred. She said a payment was made in 2010 for £273. I told her this wasn't me and wasn't likely to be someone else. I told her I wasn't making any payment, she told me she would get further instruction from her client and the call ended there.

 

Now I've had time to think about this supposed payment, I think I know where this figure has come from. I few years ago when checking my credit file I saw I had a CCJ on there which I think was for £273. (I can't be sure without the person who paid it for me looking at their statements). It sounds like it could have been in 2010 as well.

 

Now when I rang up to pay this off at the time, the DRA (Not Arrow) who dealt with it had 2 debts of mine. The one that was a CCJ and the other which I now think was the HFC loan. I only paid the CCJ off, and ignored the other, as that one was not on credit file.

 

So what I think Restons are trying to do here is claim that me paying off this unrelated debt, although it is with the same DRA is counting towards payment of the HFC loan that they are now chasing me for.

 

Where do I stand here exactly? So I can be ready if they contact me again.

 

Thanks.

[AndyOrch]

Hi alacabam and welcome to CAG

 

Sounds like typical move that they would try.......you have 2 options ...ignore or respond with the Statute Barred Template letter in our library.I would research this payment firstly and get the judgment details/claim number etc and adapt the Statute barred letter to encompass this information.

 

 

If they know its SB and are trying it on they now know you have rumbled them.That should be the end of the matter.

 

Regards

 

Andy

[alacabam]

Thanks.

 

I may just sit wand wait to see what they do next, and get the letter ready if needs be.

Even if they are claiming this is the same debt, there is certainly a 9 year period since it defaulted 2001 to a payment in November 2010.

 

It was Fredrickson international, who had both debts at the time and appears that the debt I paid off was also HFC (going by the case number anyway)

 

It was pointed out elsewhere that if this debt was the same, why would they take it to court for a payment or 2, instead of going for the full amount.