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  1. #1
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    Default Letter from Restons Solicitors

    Hi, If anyone could give me some advice i would be very grateful. I've received a letter from Restons Solicitors, dated Wednesday March 8th but only received today Saturday March 11th.

    'Dear Madam,

    Re. Capquest Investments Ltd v Yourself
    Acc. No. XXXXXX - Current balance £304.32
    Original Creditor: Shop Direct Mail Order

    We act on behalf of Capquest Investments Ltd who has referred your account to us for legal action. This means that we are instructed to issue court proceedings against you. Our client is prepared to consider the repayment of the balance by instalments. Please complete the enclosed financial statement with confirmation of your offer and return it to us no later than Monday March 20th. Our client may be prepared to accept a short settlement of the balance. If you think you can afford to pay a substantial lump sum contact us on 01925 426100 when you will be asked to provide further details of your financial circumstances.'

    I'm scared to death of filling in financial statements as they want all the details of my place of employment. If they contacted my work it would be very bad. What do you think I should do?

    P.S. According to my credit file the only debt I have with Capquest is for £172, not £304 which defaulted in Oct 2011.

  2. #2
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    Default Re: Letter from Restons Solicitors

    no financial statement to them whatsoever

  3. #3
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    Default Re: Letter from Restons Solicitors

    Thanks. Should I reply at all or just ignore it? Or should I ask for a CCA?

  4. #4
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    Default Re: Letter from Restons Solicitors

    use a letter before action

    - - - Updated - - -

    could send the CCA1974 recorded delivery for starters.

  5. #5
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    Default Re: Letter from Restons Solicitors

    Imho

    As @MIKE770 says, don't send them an I&E, or in any way acknowledge the debt.
    But it's a letter 'before claim'; you ought to respond.
    If it were me, I'd play 'dumb' for now.

    "Thanks for your recent letter of (date)....sorry, can't find any details which correspond with the info provided.
    In order to investigate, please send a copy of the original agreement plus T&Cs, together with a detailed breakdown of the stated amount owed"

    Something like that.
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

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    Default Re: Letter from Restons Solicitors

    Thank you very much for your help, I'll do as you've advised.

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    Default Re: Letter from Restons Solicitors

    If they do issue a court claim, you can post back here. (This thread would be fine).
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  8. #8
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    Default Re: Letter from Restons Solicitors

    Update _ I've had a reply from Restons today: 'Our client is under no obligation to provide the documents to you. In any event, at the time you took out the account you should have been provided with a copy of the Credit Agreement (this was back in 2002!) and throughout the life of the account you should have received monthly statements. As such we suggest you check your own records accordingly. We now require you to make an offer of repayment, please complete the enclosed questionnaire and return no later than April 8th. if you fail to make an offer we may issue legal proceedings against you'.

    Should I reply in any way?

  9. #9
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    Default Re: Letter from Restons Solicitors

    == they are begging you to give a donation for their xmas party fund lol

    - - - Updated - - -

    usual Rectums response - keep that letter filed for possible use in court/

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    Default Re: Letter from Restons Solicitors

    Haha, thanks So, as I suspected, It's a load of tosh? I'll do as you said and file it away.

  11. #11
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    Default Re: Letter from Restons Solicitors

    Well, they seem to be back-pedalling from

    We act on behalf of Capquest Investments Ltd who has referred your account to us for legal action. This means that we are instructed to issue court proceedings against you.
    to
    we may issue legal proceedings against you
    You could remind them of CPR Pre Action Protocol 6(c)
    Steps before issuing a claim at court

    6. Where there is a relevant pre-action protocol, the parties should comply with that protocol before commencing proceedings. Where there is no relevant pre-action protocol, the parties should exchange correspondence and information to comply with the objectives in paragraph 3, bearing in mind that compliance should be proportionate. The steps will usually include—
    (c) the parties disclosing key documents relevant to the issues in dispute.
    https://www.justice.gov.uk/courts/pr...on_conduct#6.1
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  12. #12
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    Default Re: Letter from Restons Solicitors

    That's great, thank you. I hadn't even spotted the back-pedalling, doh!

  13. #13
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    Default Re: Letter from Restons Solicitors

    I've just looked more closely at everything in the letter and noticed that, 'Capquest Investments Ltd acquired the account on or around November 1 2017'. Really??!!

  14. #14
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    Default Re: Letter from Restons Solicitors

    How on earth could they have done so?

    Hang on, I'll ask an expert.........

    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  15. #15
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    Default Re: Letter from Restons Solicitors

    Hello deep whats update now of ur reston solicitor .. i am in same situation received financial statements request and date is passed out and dont know what to do.

  16. #16
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    Default Re: Letter from Restons Solicitors

    Quote Originally Posted by Papu3430 View Post
    Hello deep whats update now of ur reston solicitor .. i am in same situation received financial statements request and date is passed out and dont know what to do.
    Hi there, I never heard anything more from them

  17. #17
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    Default Re: Letter from Restons Solicitors

    Ok deeep please read my short story i am really upset and dont understand what i have in my hands what i can do i dont want to fill financial statements.

  18. #18
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    Default Re: Letter from Restons Solicitors

    Here is my thread just really new on this fourm trying to learn these cabot amd cca ca etc etc i have no idead what these things are totally zero how to deal this in this country.

    http://legalbeagles.info/forums/show...cial-statement

  19. #19
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    Default Re: Letter from Restons Solicitors

    I was advised not to reply to the form asking for my financial info and employer. Instead I wrote a letter asking for more details (but don't acknowledge the debt). You can say something like,

    "Thank you for your recent letter of (date). Unfortunately, I can't find any details which correspond with the info you have provided.
    In order for me to investigate, please send a copy of the original agreement plus T&Cs, together with a detailed breakdown of the stated amount owed"

  20. #20
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    Default Re: Letter from Restons Solicitors

    Great idea so you mean i should gain the time. To get complete six year... but i understand where u coming from after reading ur whole thread.....any way just to let u know this year dec 2017 this default will get 6 year age.. so after that they cant do any thing rite ?...this default at the moment is not 6 year old. Its nearly now few months left to get six year.

  21. #21
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    Default Re: Letter from Restons Solicitors

    Quote Originally Posted by Papu3430 View Post
    Great idea so you mean i should gain the time. To get complete six year... but i understand where u coming from after reading ur whole thread.....any way just to let u know this year dec 2017 this default will get 6 year age.. so after that they cant do any thing rite ?...this default at the moment is not 6 year old. Its nearly now few months left to get six year.
    After six years they can no longer take you to court. They might write back and say they don't have to send you the info as you should already have it (this is what they did with me), but you can ignore that as it isn't true.

  22. #22
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    Default Re: Letter from Restons Solicitors

    Hello deep .

    Onw more thing i have received another letter week ago i think 10th ot 12th june and reston saying to calls or contact us by 20th june to pay this etc etc money.. so now today is 20th i am looking to write a letter same as u describe ..but i am confuse where should i semd this letter.

    Should i send this letter to reston ?

    Or should i send this to arrow global debit collectors?
    And i can see other thread requesting cca etc etc send postal order 1 pound ..what is this ?? I am so confuse . Postal order on what name ? Post offcer person going to ask me what name you want on postal order so what so what i say ? Sorry for silly questions i am facing this first time so i really have no idea.


    All i understand is i am asking them credit card agreement which i know what i did in past... so do you thin they will put me ccj now ? Because i am replying on very last day.. i just dont want ccj i am looking to get some time to gather whole amount and pay them end of story but i need to asnwer them? I hope you understand . Please let me know on above question for postal order on what name and to where etc ..

    Many thanks deep

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