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Restons / Arrow Global court threat for HSBC credit card

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Hi there,

 

I have received a few letters from Restons now regarding a credit card debt from 2012/13, passed to Arrow and now to them. I wont go into the particulars, but as I was unable to meet the balooning minimum payments and issues with work left me stressed worried and stupidly with my head in the sand.

 

Now, finally back on my feet in the position to start saving for a house, Restons solicitors get in touch mentioning impending court action.

 

Please help me avoid a CCJ!

 

I have a CCA request with the £1 postal order ready to go to Arrow, just wondering what to do with restons - wait for the court papers?

 

Many thanks in advance

 

Name of the Claimant - Claim not yet received

Date of issue - Not yet received

 

What is the claim for – Not yet received (HSBC credit card)

 

What is the value of the claim? Balance was 2,500+

 

Is the claim for - a credit card

 

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.

Were you aware the account had been assigned – did you receive a Notice of Assignment? - I cannot recall

 

Did you receive a Default Notice from the original creditor? - I believe so

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - No

 

Why did you cease payments? – 2012ish

 

What was the date of your last payment? 2012ish

 

Was there a dispute with the original creditor that remains unresolved? Not that I can recall

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

 

Just to point out, I don't want to get out of what I owe, I do not have any documents around the credit card, the default not the transfer to Arrow - just what Restons have stated.

 

Having researched this company and how they and arrow go about their business, I have an instant distrust for what they say, a disliking for how they go about their business and want to make sure I going about this in the best way I can.

 

Thanks Again

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Might help you to get all the statements via an sar to HSBC

 

Have you moved since you took the card out?


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Yes, I've moved a couple of times. The council tax is not in my name at my current address - could this be a problem?

 

The Restons deadline to respond or "else" is up this weekend. Do I need to do anything with them?

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no you sent the cca request

so they now know your correct address

so no backdoor CCJ.

 

 

don't be scared of 'em

 

 

they are not bailiffs


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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:) cheers, this forum is a real life saver - I will make sure to put something in the paypal donation box.

 

CCA request to Arrow? or to HSBC?

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CCA to the company chasing you.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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CCA to restons solicitors? they are acting on behalf of Arrow Global

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Arrow obviously, sorry for coming across a bit dense.

 

That is in the post - should I send the other to HSBC requesting my statements?

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posts 2 & 4.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Be aware that they will likely call your bluff and try court anyway. It's their MO. But doing what has already been advised, means they wont get anywhere with a claim.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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What is the likely outcome of this then?

Just trying to prepare myself for what's round the corner...

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use our search CAG box of the red topbar

claimform reston card


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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