Hello, everybody.
I'm new here so I greatly appreciate your time and help and advice on this stuff. I really do.
I've been in the process of sorting out creditors and finances and stuff and - for the most part - have done a good job. I set up an Annual Credit Report thing and contacted all creditors pro-actively setting up payment plans and agreements on how to move forward.
However, I've received a letter from Marlin Europe II Limited informing me of a "Change of Agent" saying I'd not agreed a payment plan with Advantis, the creditor of my account with Marlin, and they've appointed Restons Solicitors to "take over recovery activity."
The same day I received a letter from Restons saying they're seeking immediate payment plus interest where appropriate (this is currently £2,524.85). The date to pay in full is 29th Nov 2013. Failing this they say they have "strict instructions to issue a County Court Summons for the full balance" and any other costs. Also that they are "instructed to seek a judgement against you" which is nice and pleasant.
They also say they may be prepared to accept payments in instalments and to complete a form about income/expenditure or contact them. There's the other offer of a "specially discounted settlement figure" should I pay now and in most of the balance yet no indication of any figures.
Reflecting on this I have come to realise that it must be related to an very old loan with Lloyds TSB taken out way back, it's not on my credit report but unsure whether it's passed the Statute of Limitations time scale as I recall having a discussion about it with Lloyds probably 4 to 5 years ago. But I don't know for sure as I haven't received any communication about any of this from Marlin or anybody else as the Lloyds loan was cleared I believe but it may relate to another debt with them. I honestly can't say for sure.
I noticed that here there are a lot of talks about Restons being very eager to move to Court action and generally be a bit of a bully.
I'd appreciate some guidance as to how to proceed. Am I best contacting them to arrange a payment plan? Am I better of sending a "Prove It" letter or similar?!
Thanks again everybody. I'm thankful for your time.
D
I'm new here so I greatly appreciate your time and help and advice on this stuff. I really do.
I've been in the process of sorting out creditors and finances and stuff and - for the most part - have done a good job. I set up an Annual Credit Report thing and contacted all creditors pro-actively setting up payment plans and agreements on how to move forward.
However, I've received a letter from Marlin Europe II Limited informing me of a "Change of Agent" saying I'd not agreed a payment plan with Advantis, the creditor of my account with Marlin, and they've appointed Restons Solicitors to "take over recovery activity."
The same day I received a letter from Restons saying they're seeking immediate payment plus interest where appropriate (this is currently £2,524.85). The date to pay in full is 29th Nov 2013. Failing this they say they have "strict instructions to issue a County Court Summons for the full balance" and any other costs. Also that they are "instructed to seek a judgement against you" which is nice and pleasant.
They also say they may be prepared to accept payments in instalments and to complete a form about income/expenditure or contact them. There's the other offer of a "specially discounted settlement figure" should I pay now and in most of the balance yet no indication of any figures.
Reflecting on this I have come to realise that it must be related to an very old loan with Lloyds TSB taken out way back, it's not on my credit report but unsure whether it's passed the Statute of Limitations time scale as I recall having a discussion about it with Lloyds probably 4 to 5 years ago. But I don't know for sure as I haven't received any communication about any of this from Marlin or anybody else as the Lloyds loan was cleared I believe but it may relate to another debt with them. I honestly can't say for sure.
I noticed that here there are a lot of talks about Restons being very eager to move to Court action and generally be a bit of a bully.
I'd appreciate some guidance as to how to proceed. Am I best contacting them to arrange a payment plan? Am I better of sending a "Prove It" letter or similar?!
Thanks again everybody. I'm thankful for your time.
D
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