• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • LegalBeagles® is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

    Please do not post your full name, reference numbers or any identifiable details on the forum.

Restons Capquest & Arrow Global - How I won !

  • Filter
  • Time
  • Show
Clear All
new posts

  • Restons Capquest & Arrow Global - How I won !

    I am writing this to offer some possible advice to all those who find themselves in a position I was placed in earlier this year.

    The brief background is that I had a credit card with TSB and fell into financial difficulty after losing my job. I looked into every debt I had to try and reduce payments and discovered I had been charged a higher rate of interest by TSB. I was not 100% sure about this as the interest payments noted on my statements were difficult to understand (sometimes three charges being made per month) so I phoned the bank to ask for an explanation and clarification, and told them of my concern. To cut a very long story short - many months went by during which I heard nothing. Until ...... I started to get letters from Restons Solicitors, Capquest and finally Arrow Global claiming I owed them £2,500.

    I was sure I didn't owe this money as I had been overpaying interest for 2 years and had given TSB every opportunity to explain, so the only response I gave to Restons et al was "see you in court"

    Sure enough I was issued a summons via The County Court Business Center and attended the hearing in person to defend myself. I told the judge the full story - but the decisive piece of evidence was actually provided by Arrow Global. They had submitted a copy of the original credit card agreement signed by myself - but on close inspection the interest rate agreed to at the time had been redacted out - so it couldn't be read.

    The judge agreed with me that this was unreasonable, as my defence was the amount of interest I had been charged. He ordered that Arrow Global be given 6 weeks to get an unredacted copy of the agreement from TSB. This they failed to do (surprise, surprise) and so the case was struck out.

    So. In summary - if Arrow Global claim you owed money to a bank, check the copy of the agreement you signed (this has to be provided by Arrow Global as part of their evidence) and make sure nothing has been crossed out or is unreadable. It shocked me that a bank could forward a disputed debt to a collection agency without telling them the full story, provided them with redacted paperwork AND that Arrow Global still pursued the case.

    I hope this my help others in the future

    Tags: None

View our Terms and Conditions

LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.

If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.


1 of 2 < >


Pre-Action Letters
First Steps
Check dates
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Witness Statements
Directions Questionnaire

If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.

NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service

Defend Claim - within 28 days from Service (IF you acknowledged in time)

If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.

We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
2 of 2 < >

Need Formal Help?

Search and Compare fixed fee legal services and find a solicitor near you.

Find a Law Firm

See more
See less

Court Claim ?

Guides and Letters

upgrade to vip

Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

only £15/yr

Offers available. No subscription traps.

sign up now

Search and Compare fixed fee legal services and find a solicitor near you.

Find a Law Firm