Hi,
I have received a letter from Restons regarding outstanding payment of £11,250, they are asking for this by this time in 2 weeks, if I fail to pay they have been instructed by Cabot/Marlin to issue court proceedings, they do state that they can offer installments and even go as far as to say they will agree to reduce my balance substantially if I make a one off payment.. I have never contacted my original credit card company or any debt collection company that this debt has passed to in the last 3 years of being chased for it.... NOT ONCE have I spoken to them, paid anything or communicated with any of them at all.
I think this is on shaky ground and without giving too much away in a public place the original agreement was with a credit card firm starting the agreement in 2003, I have defaulted through redundancy and just no spare cash at all i'm just trying to get my life back on track, now do I send a CCA now to Restons or leave the letter & wait until I get the court papers?... I think they are just fishing and hoping to scare me by sending letter stating they WILL take me to court, i'm happy to go to court if they cannot find the paperwork. I do have another credit card firm that did take me to court but it's been stayed so far as they still have not come up with the CCA after 8 months and that was another old credit card started in 2001.
Can you advise please as obviously I would rather it not go to court but i'm not admitting owing the money unless they can prove it by way of a CCA or other signed documentation.
Many thanks in advance.
FaceFish
I have received a letter from Restons regarding outstanding payment of £11,250, they are asking for this by this time in 2 weeks, if I fail to pay they have been instructed by Cabot/Marlin to issue court proceedings, they do state that they can offer installments and even go as far as to say they will agree to reduce my balance substantially if I make a one off payment.. I have never contacted my original credit card company or any debt collection company that this debt has passed to in the last 3 years of being chased for it.... NOT ONCE have I spoken to them, paid anything or communicated with any of them at all.
I think this is on shaky ground and without giving too much away in a public place the original agreement was with a credit card firm starting the agreement in 2003, I have defaulted through redundancy and just no spare cash at all i'm just trying to get my life back on track, now do I send a CCA now to Restons or leave the letter & wait until I get the court papers?... I think they are just fishing and hoping to scare me by sending letter stating they WILL take me to court, i'm happy to go to court if they cannot find the paperwork. I do have another credit card firm that did take me to court but it's been stayed so far as they still have not come up with the CCA after 8 months and that was another old credit card started in 2001.
Can you advise please as obviously I would rather it not go to court but i'm not admitting owing the money unless they can prove it by way of a CCA or other signed documentation.
Many thanks in advance.
FaceFish
Restons!! Letter ref Cabot/marlin Financial
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