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Hi, I joined as I had stumbled across information on here reagrding Restons Solicitors who I am looking into, My wife and I are enduring financial turmoil right now, but are in a DMP and have been for some 9 months.
Sadly I had to find another job at the start of June, as my previous job (Like my wifes current position) was well paid, we like many made the mistake of living to the entirity of our means, combined with bad decisions by us both, spiralling living costs, childcare etc. whilst we both were determined to work full time (seperate argument here as to whether working as hard as you can paying as much tax, whilst claiming no benefits is a good move!?)
We had just got into a pattern again, me on a 50% reduced income by comparison (but seriously glad of any job/income in less than a week of needing to find work) and DMP adjusted accordingly to the lower amonut with no queries from creditors really
. Sadly some 5 months after this change in amount paid, MBNA (via Restons) have decided to pursue us for either a CCJ or Charge Order on the house is most likely I guess, as there is equity there, only we cannot get any kind of mortgage now. I have filled in the forms for contesting judgement/financial outgoings details etc. but have since noted comments about Restons, also wanted to know where I stand on defence. We have no issue that we owe it, nor that 30% of the amount in total is interest they are legally entitled to charge, but I do have a letter from MBNA stating they are happy to continue with payment plan, yet 4 days later Restons are taking us to court? who is acting for who, on court papers some say MBNA vs ***, whilst another says Restons are the claimant? Can I request a transfer document (sorry, forget the correct term) from Restons to prove they are entitled to pursue?
Sorry, about the detail, cannot enter into lengthy small messages for days on end.
Thanks Mikeymoo
Sadly I had to find another job at the start of June, as my previous job (Like my wifes current position) was well paid, we like many made the mistake of living to the entirity of our means, combined with bad decisions by us both, spiralling living costs, childcare etc. whilst we both were determined to work full time (seperate argument here as to whether working as hard as you can paying as much tax, whilst claiming no benefits is a good move!?)
We had just got into a pattern again, me on a 50% reduced income by comparison (but seriously glad of any job/income in less than a week of needing to find work) and DMP adjusted accordingly to the lower amonut with no queries from creditors really
. Sadly some 5 months after this change in amount paid, MBNA (via Restons) have decided to pursue us for either a CCJ or Charge Order on the house is most likely I guess, as there is equity there, only we cannot get any kind of mortgage now. I have filled in the forms for contesting judgement/financial outgoings details etc. but have since noted comments about Restons, also wanted to know where I stand on defence. We have no issue that we owe it, nor that 30% of the amount in total is interest they are legally entitled to charge, but I do have a letter from MBNA stating they are happy to continue with payment plan, yet 4 days later Restons are taking us to court? who is acting for who, on court papers some say MBNA vs ***, whilst another says Restons are the claimant? Can I request a transfer document (sorry, forget the correct term) from Restons to prove they are entitled to pursue?
Sorry, about the detail, cannot enter into lengthy small messages for days on end.
Thanks Mikeymoo
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