Ccj from arrow globa/restons, last payment 10/2010, default date 07/11 statue barred?

[Mam014]

Hello guys I have been reading this forum and I am after some help in how to respond to a CCJ that I received 05/04/2017 I have requested extra time with AOS to defend but want to know how to go about it.

Initially I took out a credit card with Vanquis in 04/2009 I lost my job in October 2010 and stopped making payments after that month within a few months I was being chased up by various DCAs but did not acknowledge the debt in writing or make any payments after October 2010. I received a letter from restons dated the 17th of march ( although it didn't arrive until the 25th) threatening further action. This came as a little bit of a surprise as I haven't heard anything about this debt for several years. I contacted Restons and said I didn't think this debt was active as The last payment I made was well over six years ago. But they said it was still active as the default date was in July 2011. I asked them for further information and they said I needed to submit it in writing as it had gone to the legal stage

Should I request a signed CCA or a cpr request would asking for a CCA be an acknowledgement in writing of the debt.

Any help would be greatly received many thanks

[Diana M]

Re: Ccj from arrow globa/restons, last payment 10/2010, default date 07/11 statue bar

This forum has template letters to get you started with your claim which you can find here > http://legalbeagles.info/forums/show...it-Court-Claim

After you've read that you can ask any questions you want answering on your thread

Di

[Mam014]

Re: Ccj from arrow globa/restons, last payment 10/2010, default date 07/11 statue bar

Thanks Diana, from what I have read statue barred time starts from the most recent of these three

1.) A letter in writing from me saying that I acknowledge the debt-I have never sent A letter, all correspondence has been on t correspondence has been on the phone he phone

2.) when the last payment was made-this was October 2010

3.) The earliest date the creditor could have started court action to recover the debt - this is the bit I don't really know from what I have read most agreements are enforcible after 2 missed payments so this would of been in December 2016 but I understand different agreements varie on this how do I find out when this would apply for my Vanquis cc agreement, I have read the terms and conditions but couldn't see anything relating to when they would commence court proceedings of the missed payments