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County Court Claim From Restons ( Advice Needed Please )

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  • County Court Claim From Restons ( Advice Needed Please )

    I received a CCJ claim yesterday from Restons Solicitors on behalf of debt managers Services LTd.

    It's apparantley for a Next directory account back in 2009 or around 2009 as they say.

    It's only for £56 but they have now added £50 legal cost and £25 admin fees, so it's now a total of £133

    Now I have a few concerns here and would be very grateful if someone could advise me.

    Firstly, There is a default on my credit file from next which was recorded about 5 years ago, however I actually thought I payed this original £56 of in three installments some years ago to another debt company. I can't remember who it was so I suppose that's an non issue here and I need to act as though it wasnt. Also I may be wrong.

    So I have acknowledged the claim online.

    I have sent cca request to claiment and CPR request to solicitors

    When do I fill out my defence? Do I wait until they send me the information I requested or do i do it now or next few days.

    I have to concerns, one is I thought I had payed it before, but no proof, the other is that I want to be certain that they have the right to chase me up on this debt.

    I dont want a ccj on my credit file as my score is slowly improving.

    I know it's only a small amount but it's still a lot of money to me.

    So, what happens next?

    I would really appreciate some advice please.

    Thankyou

    Billy

    Tags: None

  • #2
    Please delete this post above as it was posted in the wrong forum by mistake.

    I have posted a copy in the correct forum.

    Thanks

    Comment


    • #3
      Hi Billy

      Welcome and you have done the first few steps correctly.

      Originally posted by bluepip77 View Post
      When do I fill out my defence? Do I wait until they send me the information I requested or do i do it now or next few days.
      You have 33 days from the date on the claim form to file a Defence, so use the Check dates to figure out your deadline.

      Originally posted by bluepip77 View Post
      I have to concerns, one is I thought I had payed it before, but no proof, the other is that I want to be certain that they have the right to chase me up on this debt.
      Send a Subject Access Request Letter to the bank you were banking with at the time asking for statements of your accounts for the period you think you made the payments.

      Originally posted by bluepip77 View Post
      I dont want a ccj on my credit file as my score is slowly improving.

      I know it's only a small amount but it's still a lot of money to me.

      So, what happens next?
      Next you file a defence, then you will have the opportunity to take part in mediation which if you come to an agreement is legally binding and not a CCJ.
      COMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE

      My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.

      Private messages are disabled as help is only offered publicly. I do not come on here in the evening, at weekends or on public holidays.

      Comment

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      SHORTCUTS


      First Steps
      Check dates
      Income/Expenditure
      Acknowledge Claim
      CCA Request
      CPR 31.14 Request
      Subject Access Request Letter
      Example Defence
      Set Aside Application
      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 < >

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