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reggie76

Arrow reston & Credit Card Debt - did I&E now they want £150PCM

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My wife has been paying £10 per month to Restons for well over a year to clear a credit card debt with a current balance of approx. £1,500.

 

Restons asked my wife to fill out a financial statement which she did on line,

 

they have now increased the payments to £150!!!

 

My wife is an agency worker with no guarantee of work so the fact they have increased the instalments is due to my income.

 

Can they increase the monthly instalments based on my income when it's not my debt?

 

Just to confirm Restons are acting on behalf of Arrow.


A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Any CCJ on the debt ?

 

If not, then never a good idea filling in those forms at all or with much information.

 

They are saying that your wifes position supported by your income, means there is £150 per minth available towards the debt

 

The debt in her sole, if it went to court would just look at her income.

 

Suggest she writes back telling them she finds it unacceptable and she does not have personal scope to pay £150 a months due to nature of employment. She will therefore maintain the previous arrangement of £x

 

But can we have more info, before this action is taken. Was there a previous thread on this debt ?


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Thanks for your quick response. No previous thread on this, definitely a default but we don't think there's a CCJ. She has a CCJ registered in 2012 but think that's for a different debt.


A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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Time for a CCA request ? Particularly if the account was originally taken out pre April 2007.

 

With remarks like "dont' think", perhaps you need to ask them for info, otherwise you will end paying different amounts not knowing what you are paying towards.


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whats the original debts all about?


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Thread moved from Debt Collection Library to Debt Collection Agencies Forum.

 

Andy


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Who gained the 2012 CCJ?


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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arrow/restons


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Sorry guys but been unable to reply my posts earlier in the week, it was for a Santander store card.


A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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when did she take it out

 

sounds like they are cash cowing her

 

I bet you've never once asked to see the enforceable agreement via a CCA request?

 

just blindly fell for the threat-o-grams and though they were bailiffs rather than absolutely powerless DCA's?

 

dx


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I really don't know, I'm sure we did fight it and request the CCA originally but I think they did register a CCJ and my wife set up a £10 standing order but now they are taking the mick!!

 

Do we re-request the CCA or just write a letter saying my wife can't afford the extra payments and my income should not be taken into consideration as it's a sole debt or just ignore the letter?


A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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what do you mean you don't know if theres a CCJ on it?

 

surely you have paperwork other than this recent letter?

 

if there is

it will be on her credit file

unless she took the contract out at a differing address and that's not shown as a linked address on her crdit file

or it was under her maiden name?

or it was more than 6yrs ago and has dropped of the records?

 

more info needed here...

 

why don't you scan this letter up

read upload and use PDF only please


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Thanks, will do some digging first and find the old paperwork!


A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain.

- This quote has been attributed to Mark Twain

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