TIM vs ARROW/RESTONS (Need urgent help with defence)

[Papu3430]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Hello friends

Sorry to jump in que i left my thread already but no one replies. I am looking to as from charitynjw.

If you please advice me what should i do.

I hbe received last letter on 12th june from reston solictios and askinf financial statments so i really dont wana give my emplyer detaild etc etc
So they gave me time till 20ths june which is today so what the first thing should i do ..

Some.people advice me to ask for cca agreement etc and to write the letter ..but i am confuse where to send the letter reston oe arrow global ?

And what is all about postal order ..on which name of this postal order cuz postal service person going to ask me that postal order should be name on it.

So.please guys save me i dont want country court judgements on me ccj.. i want to fix this the only thing is i dont want to give my employer details which is reston solicitor asking me to fill all details. I dont wana even lie on writings. So what should i do first and can any one let me know step by step. I only got few lines letter a model/templet letter like what to write but i dont know where to send and where to post and what name on postal order.


Many thanks

Apologies for jump

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If it were me I'd put in the defence as it stands.
Arrow have given you no verifiable proof that it is just an overdraft, & your SAR response, when it arrives, should show whether or not Arrow have recently bothered checking their facts with the original creditor. (& if they do have hard copy evidence, how come they haven't sent it to you?)

Hello friends

Sorry to jump in que i left my thread already but no one replies. I am looking to as from charitynjw.

If you please advice me what should i do.

I hbe received last letter on 12th june from reston solictios and askinf financial statments so i really dont wana give my emplyer detaild etc etc
So they gave me time till 20ths june which is today so what the first thing should i do ..

Some.people advice me to ask for cca agreement etc and to write the letter ..but i am confuse where to send the letter reston oe arrow global ?

And what is all about postal order ..on which name of this postal order cuz postal service person going to ask me that postal order should be name on it.

So.please guys save me i dont want country court judgements on me ccj.. i want to fix this the only thing is i dont want to give my employer details which is reston solicitor asking me to fill all details. I dont wana even lie on writings. So what should i do first and can any one let me know step by step. I only got few lines letter a model/templet letter like what to write but i dont know where to send and where to post and what name on postal order.


Many thanks

Apologies for jump

[Amethyst]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Morning, Apologies, I had a long weekend at a conference. Anyway I agree with the others Defence in as is with the amendment to say the claimants solicitors refused your request for docs... another point ( due to a dodgy comma in their letter ) an overdraft is regulated by the cca 1974 - it is Only part V that doesn't apply ( due to a determination ) Part v is the part that contains sec 77-79. So They are right but they have worded it in a very misleading way ( on purpose IMO) .

[Amethyst]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Papu - I'll find your thread and see where you're at

[charitynjw]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Sorry to jump in que i left my thread already but no one replies. I am looking to as from charitynjw.

Morning, Apologies, I had a long weekend at a conference. Anyway I agree with the others Defence in as is with the amendment to say the claimants solicitors refused your request for docs... another point ( due to a dodgy comma in their letter ) an overdraft is regulated by the cca 1974 - it is Only part V that doesn't apply ( due to a determination ) Part v is the part that contains sec 77-79. So They are right but they have worded it in a very misleading way ( on purpose IMO) .

I believe that charitynjw has been away at a conference.
For something
All weekend.

[TIM50]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Ok, so after having filed my defence a short while ago, I have now received this letter from Restons. Can anyone please advise how I should respond? Thanks

[MIKE770]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

they know they have to produce the info, standard Rectums response template, by the way page one not seen

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keep as we tell others the letter safe for possible use in court case if needed and goes that far.

[TIM50]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Sorry, I realised I hadn't blanked out some personal details from the first page.

I will attach the two pages of the letter here again. Do you think I should just ignore the letter? They seem to be making threats in it.

[MIKE770]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

nothing you can do it is up to them to produce as stated above, sure others will comment also! the ball is in their court,


suggest you read other Restons threads and you will see the method they use, the iidiots and some people believe them!

[TIM50]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Thanks Mike, so nothing more than intimidation tactics then really it seems.

[warwick65]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Just a thought, you say you are on JSA therefore you would get fee remission if you needed to force an issue

Have you thought about making a part 18 request for the Deed of Assignment ?

No doubt they will refuse again but you could then ask the court to force the issue

Another option would be , should it come to mediation make an offer at say £1 a month , which I do not think unreasonable if you are on jsa. This would mean no cci as long as you kept up the payments but if you think you have a winning hand then its up to you

[TIM50]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Hi all,

I hope you all had a good Christmas.

so I hadn't heard anything from Restons since the middle of last year or so, until December just gone.

I had a call advising that the results of a SAR were supposed to be being sent to an HSBC branch, but heard nothing more.

then I received the attached correspondence from Restons last month (which I hadn't realised I had received until recently)

just wondering how I should proceed? I haven't heard anything from them since receiving the court claim last year.

would appreciate any advice,

thanks,

[warwick65]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Hi
So they have offered you a small (ish) discount which in any event you are now too late to accept

I would though chase up the SAR

[TIM50]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

Thanks. Yes, it is a small discount. I just wonder why they didn't proceed with the court claim after I submitted my defence.

Do they then likely not have the required documents they were asked to produce? or maybe some other reason..

I will chase up the SAR. Should I use a particular template for this letter or would just a quick paragraph asking for an update on the location of the SAR suffice?

[warwick65]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

I do not want to guess what Restons are playing at - they are not the easiest to work out.
As for the SAR, either a short letter or , if you have a contact number for the SAR department a quick phone call

[TIM50]

Re: TIM vs ARROW/RESTONS (Need urgent help with defence)

I do not want to guess what Restons are playing at - they are not the easiest to work out.
As for the SAR, either a short letter or , if you have a contact number for the SAR department a quick phone call

Thanks Warwick. I have sent a letter to the SAR department at HSBC asking for an update.