Very stressed over court claim Restons

[castlerain]

IMO the charges relate to the claim in post 1
£205 is the court fee for claims £3k to £5k
£80 is the solicitors legal costs for drafting the claim

To me, it seems like a scare tactic. These sums will only become payable by the defendant if the claim is successful in court

Should i write a letter to them about it. I was thinking that they might be trying to charge me for a default notice which I cant remember getting back in 2012 which may be separate to allege debt owed. I only say this because of the line...'This notice does not take account of default sums which we have already told you about in another default sum notice, whether
or not those sums remain unpaid' - so it looks like its talking about two different things. I know the court signed for my letter and so they are under no illusion i want to defend it, but i wonder why they are getting capquest involved too. Its horrible, and if its a scare tactic, its working...and thank you. should i write a staute barred letter to them or just leave it until i file everything to the court within said period of time

[Pezza54]

Too much of a coincidence £205 is the amount of the court fee
IMO no need to write a letter

[castlerain]

Too much of a coincidence £205 is the amount of the court fee
IMO no need to write a letter

thank you so much

[echat11]

Hi, thank you, I appreciate this. This cant be the information I requested as I sent the letter to them yesterday and they sent me this letter - Capquest yesterday. So Restons would've got letter today but Capquest already had sent thiers

O.K. then they've sent this as part of there protocols when they've initiated proceedings. It's nothing to worry about, if you can upload it at your convenience without personal details and reference numbers.

[castlerain]

O.K. then they've sent this as part of there protocols when they've initiated proceedings. It's nothing to worry about, if you can upload it at your convenience without personal details and reference numbers.

yes i tried to upload it and it wouldn't as it said it was too big, so i copied the wording out which is further up thread word for word. Though if any ideas how to upload that would be great and thank you

[castlerain]

O.K. then they've sent this as part of there protocols when they've initiated proceedings. It's nothing to worry about, if you can upload it at your convenience without personal details and reference numbers.

this is what word for word Capquest said excluding refernece and details...

Your Running Credit Agreement between --------and Natwest (now Intrum UK Finance Ltd) dated 11th December 2012 and numbered ---'xxxx (the "Agreement"). Capquest Debt Recovery Limited has been appointed by Intrum UK
Finance Ltd as an administrator of your Agreement.

This notice is about default sums and is given by us under the Consumer Credit Act 1974.

Get in touch:
Restons
Trinity Chambers, 800 Mandarin Court
Centre Park, Warrington, WA1 1GG
Telephone: 01925 426100

The following default sums have become payable under the Agreement:

Date charge incurred:
2nd April 2025
2nd April 2025

Description of charge:
Issue Costs
Issue Fees

Amount of charge:
£80.00
£205.00


Telephone:
01925 426100
Your operator's standard charges apply


Date: 15th April 2025

Notice of Default Sums


Reference:
Xxxxx

Date charge became payable:
2nd April 2025
2nd April 2025

Total amount of default sums included in this notice: £285.00

This notice does not take account of default sums which we have already told you about in another default sum notice, whether
or not those sums remain unpaid

Interest
We are not entitled to charge you interest on the default sums for the first 28 days after we have given you this notice. However if
the sums are not paid in full by that date interest may be charged on the default sum at the rate allowed under the agreement.
However, we waive any right we may have to charge interest on the default sums stated in this notice meaning you will not have
to pay interest on them.

[Pezza54]

Post 21 appears to be a repeat of post 9

[echat11]

Await requested documents, even if you don't receive them, post on this thread on the 25th April so you can prepare your Defence.

[castlerain]

Await requested documents, even if you don't receive them, post on this thread on the 25th April so you can prepare your Defence.

Thank you so much.

[castlerain]

Await requested documents, even if you don't receive them, post on this thread on the 25th April so you can prepare your Defence.

Hi, so I haven't heard anything from anyone, but as you suggested, I'm posting so I can deal with my defence. Thank you everyone it would be great if you could guide me through what I'm supposed to do. Also, I think my last payment to the credit card was Nov 2019, so might not be statue barred.

[castlerain]

Hi, I haven't received the back in post but was advertising to come back here by echat11 to get my defense sorted today. Thank you

[echat11]

Hi, I haven't received the back in post but was advertising to come back here by echat11 to get my defense sorted today. Thank you

Do you want to give them more time and see what they send?

Just a case of emailing Restons telling them they have more time to provide the requested documentation.

[castlerain]

Hi echat11 thanks for your reply do I need to tell the court as well as the date on court docs was 3rd April, so I need to send my defence I guess by 1st May?

[echat11]

Hi echat11 thanks for your reply do I need to tell the court as well as the date on court docs was 3rd April, so I need to send my defence I guess by 1st May?

Email Restons, make sure you add Reference numbers to the email,

Dear Sir / Madam,

Further to my recent requests for information, to date I have not received the requested information.
I am extending the time to allow the Creditor to provide the requested information under CPR 15.5.

I look forward to hearing from you.

Yours faithfully

XXXXXX

So you don't need to file Defence until after you've received the requested documentation.

[castlerain]

Thanks echat11 how will the court know that I'm emailing Restons rather than just being late filing my defense?