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Hi there,
I received a County Court Judgement from a company called 'Restons Solicitors', dated Tuesday May 29th 2018.
Unfortunately, due to my current domestic & health situation I only came across and opened the letter / judgement a few days ago, on Weds 27th June 2018. The alleged debt is in respect of a company called Arrow Global Ltd (with the Original Creditor being Egg - Loan), and is for the amount of allegedly £1,205.27. This is the first time I've known about this company 'Arrow Global Ltd'. Although I am aware of having taken out an Egg Loan in the past, which was over 16 years ago, I vaguely remember the loan amount being for something like £500, and as far as I remember most of it was paid off (it was a 7-year loan as far as I remember). I did admittedly run into a few financial issues a few years later on due to my divorce, so the remainder was paid off through reduced monthly (interest free payments), after a reduced settlement figure was agreed (with a different DCA at the time). So, to recently receive a County Court Judgement out of the blue has come as something of a shock! But one thing I can certainly say is that I don't acknowledge the sum of money allegedly being claimed for by Restons Solictors!
I suffer from severe depression, severe anxiety and BPD, so this situation isn't exactly helping my state of mind right now, and has raised my anxiety quite a bit. I haven't been feeling well for some time in this respect, and have been very low due partly to many medication changes. I'm also quite ill at the moment with abdominal issues, so I'm quite lethargic and nauseous most of the time. So, I haven't really been feeling overwhelmed for some time and unable to cope with things, and it's not unusual for mail to go unopened for up to 4 weeks. I apologise in advance for posting this part, so I will kind of put a 'trigger warning' (mental health wise). My daughter suffers from mental health issues.. It is kind of hard to write this but I feel that it will help to put things into perspective as to why this CCJ has also come at a particularly bad time. My daughter sadly attempted to take her own life only 3 days ago. She is thankfully fine now with lasting physical injuries, but will have to wait weeks to get the help she deserves unfortunately. This has had a further profound effect on myself and, although I feel further unable to cope with things right now I realise this CCJ matter won't go away.
Further to this, in the letter they're asking for financial details (I &E), and failure to respond by the 5th June 2018 to provide realistic repayment proposals for a debt I frankly refuse to acknowledge will result in further action. They emphasise that they have a 'Warrant Of Control' by way of this Judgement, which entitles them to recover the sum from me, or put a levy on goods to the value of the Warrant! This is admittedly the part that worries me the most. As can be seen due to my current circumstances it hasn't been easy, hence why the correspondence from Restons Solictors has been overlooked. Worryingly, there was a knock on my front door at 4pm this afternoon. I didn't answer the door, after I looked through the peep hole, as I could see an official with a clipboard who ominously looked like a bailiff... and he repeatedly kept asking for 'Mr Preece' for about 2 minutes, before walking away. The last thing I need right now is having to deal with weasels like him, for a debt I really know nothing about and have had little chance to even defend... given the circumstances.
I would be most grateful for some advice / help with this please as to the best way forward in dealing with this. If any more info / details are required I am more than happy to post these.
Many thanks in advance,
I received a County Court Judgement from a company called 'Restons Solicitors', dated Tuesday May 29th 2018.
Unfortunately, due to my current domestic & health situation I only came across and opened the letter / judgement a few days ago, on Weds 27th June 2018. The alleged debt is in respect of a company called Arrow Global Ltd (with the Original Creditor being Egg - Loan), and is for the amount of allegedly £1,205.27. This is the first time I've known about this company 'Arrow Global Ltd'. Although I am aware of having taken out an Egg Loan in the past, which was over 16 years ago, I vaguely remember the loan amount being for something like £500, and as far as I remember most of it was paid off (it was a 7-year loan as far as I remember). I did admittedly run into a few financial issues a few years later on due to my divorce, so the remainder was paid off through reduced monthly (interest free payments), after a reduced settlement figure was agreed (with a different DCA at the time). So, to recently receive a County Court Judgement out of the blue has come as something of a shock! But one thing I can certainly say is that I don't acknowledge the sum of money allegedly being claimed for by Restons Solictors!
I suffer from severe depression, severe anxiety and BPD, so this situation isn't exactly helping my state of mind right now, and has raised my anxiety quite a bit. I haven't been feeling well for some time in this respect, and have been very low due partly to many medication changes. I'm also quite ill at the moment with abdominal issues, so I'm quite lethargic and nauseous most of the time. So, I haven't really been feeling overwhelmed for some time and unable to cope with things, and it's not unusual for mail to go unopened for up to 4 weeks. I apologise in advance for posting this part, so I will kind of put a 'trigger warning' (mental health wise). My daughter suffers from mental health issues.. It is kind of hard to write this but I feel that it will help to put things into perspective as to why this CCJ has also come at a particularly bad time. My daughter sadly attempted to take her own life only 3 days ago. She is thankfully fine now with lasting physical injuries, but will have to wait weeks to get the help she deserves unfortunately. This has had a further profound effect on myself and, although I feel further unable to cope with things right now I realise this CCJ matter won't go away.
Further to this, in the letter they're asking for financial details (I &E), and failure to respond by the 5th June 2018 to provide realistic repayment proposals for a debt I frankly refuse to acknowledge will result in further action. They emphasise that they have a 'Warrant Of Control' by way of this Judgement, which entitles them to recover the sum from me, or put a levy on goods to the value of the Warrant! This is admittedly the part that worries me the most. As can be seen due to my current circumstances it hasn't been easy, hence why the correspondence from Restons Solictors has been overlooked. Worryingly, there was a knock on my front door at 4pm this afternoon. I didn't answer the door, after I looked through the peep hole, as I could see an official with a clipboard who ominously looked like a bailiff... and he repeatedly kept asking for 'Mr Preece' for about 2 minutes, before walking away. The last thing I need right now is having to deal with weasels like him, for a debt I really know nothing about and have had little chance to even defend... given the circumstances.
I would be most grateful for some advice / help with this please as to the best way forward in dealing with this. If any more info / details are required I am more than happy to post these.
Many thanks in advance,
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