Restons - Charging Order

[MellyJ]

Re: Restons - Charging Order

Thanks, I will send it to you, can't seem to send an e-mail to you from the link below, what's your e-mail address please?

[Never-In-Doubt]

Re: Restons - Charging Order

Section 78 request....

I suggested you send it here -> http://forums.all-about-debt.co.uk/s...l=1#post567682

And you said you'd done it here -> http://forums.all-about-debt.co.uk/s...l=1#post567762

Also you said that they'd sent you it, here -> http://forums.all-about-debt.co.uk/s...l=1#post572452

So before we can say yes pay the £25 as normal or don't, I'm asking to see the CCA to help ascertain if it's enforceable or unenforceable. If a claim is issued it could help you (or not)...!

[MellyJ]

Re: Restons - Charging Order

Have you had a CCA? Can you mail me unedited copy, if so, please.

webmaster@all-about-debt.co.uk

Sorry I'm being thick, what's a CCA?

[Never-In-Doubt]

Re: Restons - Charging Order

Have you had a CCA? Can you mail me unedited copy, if so, please.

webmaster@all-about-debt.co.uk

[MellyJ]

Re: Restons - Charging Order

As TC says, they can only get a charging order if the get a CCJ against you at court. Our legal team has a 100% success rate if you follow the advice given. If the debt is enforceable, arrangements can be negotiated to avoid a judgement.

Thanks for all the advice, not sure what to do now, do I just carry on paying and not enter into any further correspondence with them? I have also received today a statement from Arrow called 'Remedy of Account' it also says that next steps: if I have an agreement in place to just continue with that, but Restons rejected my offer, do you recommend I write to them and make my offer of a monthly payment again (that they rejected?)

[cymruambyth]

Re: Restons - Charging Order

As TC says, they can only get a charging order if the get a CCJ against you at court. Our legal team has a 100% success rate if you follow the advice given. If the debt is enforceable, arrangements can be negotiated to avoid a judgement.

[The Tech Clerk]

Re: Restons - Charging Order

IF they managed to get CCJ against you it would be a Restriction only

[MellyJ]

Re: Restons - Charging Order

Did the letter say they were definitely taking you to court or that they may take you to court?

The letter said 'they will issue proceedings and apply to secure the debt against your interest in your property by way of a charging order' Can they do this if the house is in joint names but the debt is only in my name? Any help would be much appreciated as I feel Restons will be contacting me very soon and I'm not sure of my next step. I'm still making my monthly payments.
Thanks

[Pixie]

Re: Restons - Charging Order

Did the letter say they were definitely taking you to court or that they may take you to court?

[MellyJ]

Re: Restons - Charging Order

I have today received paperwork from Arrow Global (who passed the debt to Restons), they have sent a copy of the agreement, that has my name on it but not my signature? Their terms and conditions and the last statement that said I had gone into default. In answer to your questions it was a credit card, taken out in January 2009, I owe just under £5,000 and I have been making reduced payments since 2011, first to the credit card company, then Arrow Global and now Restons.
What should I do now? The letter is asking for my proposal on re-paying the debt, which I did previously and they refused my payment offer (£25 a month) and said they were taking me to court. Do I write to Restons and offer the payment again (I have been paying this every month and haven't missed any payments)
Thanks

[julian]

Re: Restons - Charging Order

Please edit this post. The detail is specific enough to identify the poster.

Restons are MBNAs best friends

[MellyJ]

Re: Restons - Charging Order

don't worry, the longer it takes,the better because they can stuff their talk of CCJs and charging orders while they are looking for this.so

a little more about the debt

what is it, how old, ie when did you take the original out?

who is the DMP with? how long has the DMP been going?

what is the balance now?

am with S&V, DMPs are a complete waste of time

I have today received paperwork from Arrow Global (who passed the debt to Restons), they have sent a copy of the agreement, that has my name on it but not my signature? Their terms and conditions and the last statement that said I had gone into default. In answer to your questions it was a credit card, taken out in January 2009, I owe just under £5,000 and I have been making reduced payments since 2011, first to the credit card company, then Arrow Global and now Restons.
What should I do now? The letter is asking for my proposal on re-paying the debt, which I did previously and they refused my payment offer (£25 a month) and said they were taking me to court. Do I write to Restons and offer the payment again (I have been paying this every month and haven't missed any payments)
Thanks

[MrsD]

Re: Restons - Charging Order

don't worry, the longer it takes,the better because they can stuff their talk of CCJs and charging orders while they are looking for this.so

a little more about the debt

what is it, how old, ie when did you take the original out?

who is the DMP with? how long has the DMP been going?

what is the balance now?

am with S&V, DMPs are a complete waste of time

[MellyJ]

Re: Restons - Charging Order

14 days before they're in default. Don't worry. Longer is better

Hi, Restons received the CCA on 25th June, I've not heard anything since, they said they were going to obtain the original credit agreement from the credit card company. How long do I have to wait and if they don't supply anything what should I do next, do I just continue to make my monthly payments? Thanks

[nanna58]

Re: Restons - Charging Order

Good luck x