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Arrow/Reston claimform - old ASDA credit card 'debt'


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Hi all.

Hope you all had a good Christmas.

 

I have received a letter from Restons along with a copy of a signed credit agreement and a transaction list from May 2005 - April 2013.

 

The letter states to either withdraw defence and fill out a N9A form ( which isn't going to happen) or fill in their I &E form and offer a payment arrangement and they won't proceed with litigation.

 

Where do I stand on this

as I certainly do not agree still with the amount.

 

Looking at the transaction sheets they have added over limit / late payment fees and interest right the way up to April 2013.

 

Aren't these suppose to stop once they have closed the account and adding interest to interest or fees isn't allowed either is it?

 

No sign of a default notice though.

 

Any pointers on where to proceed from here.

 

Do I write to them and if so what should I be hitting them with or should I just ignore and let the apply to 're open the case?

TIA x

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Scan in and redact and upload what they have sent.

We could do with some help from you.

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unapproved but its blurred anyway

and its an application form

and where are the T&C's that must be with that.

as I cant see the prescribed terms either

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Prescribed terms are at the bottom under Financial details

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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thought I'd scrubbed out all the personal details. what did i miss?

 

If I remember rightly I filled this out in the store where they collared me as i walked in. Well I say I filled ou the salesman did and I just signed it.

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Did you want me to upload the transaction history sheets? I have just finished scanning them.

 

Not really relevant gem ..just wanted to see the agreement...but on the transactions there should be nothing added after May 10 2013..if you can check.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Looking at the transaction history it was May 2010 that we hit financial problems.

 

My minimum payment drops to £4 which was what i offered to pay each month when I would have alerted them of financial problems as I did all my creditors.

 

after this time they continued to add interest and late payment fees which by November took me over my limit so they started also adding on overlimit fees as well

 

 

(I stopped using the card December 09 obviously knowing things werent looking great so not to increase the debt)

 

 

right up until April 2013, which is when I guess they sold the debt on.

 

Oh and I made a final payment of £40 in october 2010.

 

I guess seeing the debt constantly rise I gave up paying them even the small amount.

 

Nothing after April 2013 Andy

 

looking back in August 2010

I received a letter from Viking a DCA demanding full payment of the existing balance of £953.37 or they would start court proceedings.

 

 

Surly if the passed to a DCA that means they would have closed the account and therefore can not continue to charge late payment/over limit fees or interest as they have terminated the agreement?

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Viking were their [the OC's] own in house fake DCA

so it wasn't sold yet

and I doubt the letter says WILL anything

though interesting the are after the FULL balance?

so they must have issued the DN by that time?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well the claim is well stayed is it not?

and as you say you didn't sign up online

then who are they trying to kid?

 

 

and no default notice either.

 

 

do I smell that letter indicates they are will to discount too?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and no you never reply to rectum willy waving

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Defence submitted 23rd September so yes should be stayed. Definitely didn't sign up online it was a salesman in store.

I would imagine they would discount it for a lump sum payment.

So I just sit on this and see what there next move is then?

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At the top of that application form it states "This Form is for use in Store only "

 

 

Where does it state on line application ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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answered on wrong thread opps

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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