I have been reading this forum for advice so think I know what to do but I have a few questions. Yesterday I received a 'Notice of Warrant of Control', from my local county court (Chester) asking for £536 or the bailiffs will call 4th Feb. It is for not paying a CCJ judgement from Restons (originally Next). I emailed them in May last year when they got the CCJ asking to pay £15 a month and asking for bank details, no reply and now this. I have other CCJs/debts so never chased up at the time, tbh head is a mess and I forgot. My questions; 1 - Is the debt now owed to bailiffs and not Restons, so I can't speak to them? or should I ring them and ask for a hold too? 2 - Is N245 the best option? 3 - Is the Notice or warrant of control the same as a notice of enforcement? Panicking over a visit, I have kids that I don't need to see baillifs.

Hi, I have an old credit card debt dating back a few years - I was too ill at the time to deal with it and was taken to court and ended up with a CCJ. I wasn't able to make the payments the court told me to pay but Restons agreed an arrangement of a minimal payment each month to run alongside the Judgement. I have paid each month and never missed a payment. Today I received a letter from them with an 11-page questionnaire about my finances and other personal details - if I do not reply within 7 days they say the arrangement will be cancelled and they will advise the client to begin recovery options including legal enforcement without further notice. They have also stated that I could make a settlement payment and discharge my liability - no hope of that - I am penniless! I haven't defaulted on the agreement and my financial situation is unchanged - what should I do? I never agreed to the amount I was told I owed as much of that was fees and interest that had been added to the account for late payment, admin costs etc. The company knew I was ill and had to give up working but continued to add fees anyway until it was sent to a DCA.

Good evening, When i was a lot younger i ran up quite a bit of debt which became unmanageable once i had children and cost of living increased. paid into a DMP for a few months and then defaulted this was in April 2013. I have pretty much ignored all contact as no one was taking legal action. I have had some discussions with Restons over the phone about this debt as i tired to agree a repayment plan. but could not stick to it as it was un affordable to me. Today i have received a CCJ claim from the for a total of £5131.05. The debt is from an MNBA credit card which i took out sometime around 2005/06 i think. The POC on state that the original debt is from MBNA "dated on or about Feb 2007 and assigned to claimant on Dec 2011. It then list the following two items: 19/07/28 Default balance 5151.05 19/09/2018 Pos Refrl CR -20 That is all that is on there. I have done a lot of reading around and am thinking of defending this claim but my head is spinning a bit with all the different threads i've read. Am i right in thinking that they probably dont have the CCA? I don;t believe that they have followed pre-court protocols as i have not received a letter stating they were due to start legal proceedings. Do i need to now request this information under CPRs and then defend the case accordingly? Am i right that if they can not produce the cca they can't enforce the debt? Thank you in advance.

My wife has been getting calls and texts from Cabot for weeks telling her to call them about a matter they wish to discuss, but they ask for her grown-up daughter's name. She has happily ignored the calls and texts, nothing to do with her of course. A letter arrived recently advising that Restons were going to make a claim in court for over three and a half thousand pounds, not a trivial amount so they may actually try. BUT, the HFC Bank account was started in 2006 and defaulted soon after when my step-daughter lost her job. The letter states the account was terminated in January 2008. I think she made some movement to pay via CCCS but that fell through long ago. As far as she is aware, nothing has been paid on this account for the last 7-8 years and she's not contacted anyone about it in that time. The letter says the debt was assigned to Cabot in October 2017, no mention of where it was up until then. She does not have any paperwork relating to the account but that's beside the point, she has had no default notice that she is aware of and does not know when the last payment was made either, it's that long ago. Does she just write to them and say 'statute barred' and see where it goes from there or is there some way she can get the info she needs to prove that? I don't think she's ever asked for a credit report but the concern is that will just give the DCA her up to date address, phone number and so on. I've read dx100uk 's defence note in https://www.consumeractiongroup.co.uk/forum/showthread.php?477307-Arrow-restons-claimform-old-Vanquis-Card-debt-statute-barred&p=5031789&viewfull=1#post5031789 amongst other threads, got to admit a lot of it goes over my head these days, I'm well out of the loop since I used to be active on here. The letter says she has to pay in full by July 26th 'or else'... They also sent a statement of earnings form.

I got a pre action protocol letter with a form, from Restons for a next account which has been passed to Debt Managers (Services). I ticked box I and requested a copy of the contract, statement of account, details of any administrative charges, copy of notice of assignment and a copy of the default notice. I received a reply from them providing with a few details; date account was opened, address used (which is incorrect btw), last order date, last items ordered, last payment date and amount. The letter says I have not provided any information as to why I don't know if I owe the debt, and asking me to confirm 'why you are unsure if you owe the debt so that our client can understand your position'. It reads like a template reply to me, but I am unsure how to word my response. Do I need to give a reason why I am unsure under the pre action protocol, or should I write back simply asking them for the information I originally requested?

Hi, hope someone can help. This is in regards of a 'stayed' case from August 2016 Via the County Court Business Centre. Cabot/Restons At the time I requested documents those being: 1. Agreement/Contract 2. Default Notice 3. Assignment These never arrived within the period of 12 days, then a further 30 days. I went on to deliver my defence and ultimately the case was 'Stayed' Present day: I have just received a photocopy of a credit agreement with spreadsheet statements from Cabot who now which to 'discuss the options available for this account.' My initial concern is the photocopy of the agreement, in that it has clearly had something stuck over part of the section 'YOUR SIGNATURE REQUIRED' with what clearly looks like a faxed signature of who ever was signing off on the agreement, although I am unsure if this is normal practice? Also the spreadsheet is very basic with no opening balance/closing balance or written indication to the amount of initial credit and whether this was increased/decreased over time during the period of the agreement? Per my original request during court proceedings they have not supplied 'Default Notice', 'Assignment', although I'm sure this would be a request I would make again should the 'Stay' get lifted and it goes back to court. Any help in this matter would be most appreciated. Thank you.

Hi Guys I have received a letter of claim from Restons solicitors for a debt bought by Cabot financial. I have made a complaint to the financial ombudsman that the original creditor ‘ a credit card company ‘ refused to deal with several mistakes on my account over a year before Cabot bought the debt and simply told me to deal with the 3rd party debt collectors. The ombudsman said that as they were still the legal owners of the debt they had a duty to deal with me and not pass the buck to the debt collectors. The amount Cabot are claiming is for £1800 when the correct amount after deducting the disputed amount is £1150. My question now is, should I contact Restons who have sent me a letter of claim and say they will start proceedings on 18 05.2018 or Cabot or both and tell them its a disputed amount sold by the original owner of the debt and I have now made complaint to the FOS for which I have received relevant paperwork and a reference number. So would they like to put proceedings on hold whilst this matter is dealt with by the FOS as I see no point in starting court proceedings when they are trying to claim the wrong amount.I I don't dispute the lower figure. So far I have made no contact with either company.

Hello I am writing on behalf of a friend regarding an outstanding debt (overdraft) with Halifax Bank. Since 2015, this has gone through Wescot Credit Services, Cabot Financial and is now with Restons Solicitors. They were out of work for a time but are now employed and wondering how to handle the Letter of Claim sent from Restons on behalf of Cabot. They are asking for payment of the sum £1,261 by 18 May and this just isn't possible. They say if it's not paid they have instructions to issue a Claim in the County Court for the full balance plus fees and costs. They then say Cabot is prepared to accept payment by instalments and ask that a financial statement be filled-in and returned by 18 May - but they don't want to engage with Restons in this way. Is this likely to escalate to County Court any time soon (this is the first letter received from Restons) or will they likely come back with some sort of offer? Do you have any advice on how to proceed. Thank you to everyone who takes the time to reply

Hello,this is my first post and I am seekng advice. I received a letter of claim from Restons. Following on from the advice given to others in the same circumstances as me, I sent a CCA request to Cabot and downloaded the PAP reply form, from here and filled it in. I followed the instructions on post 6 on the PAP thread. Well hubby did as I couldn't get to type in pdf format. I have receved a reply from Restons but don't understand why they are askng me to explain on a separate piece of paper. I thought I had? restons reply 13 04.pdf

I've had a MoneyClain from the Northampton BC, Sainsbury's Credit Card/ Cabot - Restons Solicitors). I have acknowledged receipt through MCOL online and I'm filing a defence today. I sent a CPR 31.14 asking for the documents mentioned in the Particulars of Claim. I have this morning received a letter from Restons stating the reasons for not sending me the required documents. I did try to speak with Restons when I first got the claim but their position was pay up now in full or else. Pretty unhelpful and somewhat Cavalier. I must send my defence today but haven't got any documents from the Claimant.

Hello. I am new to the forum and need some advice/help. Received a letter from restons Re an old credit card debt seeking payment and issuing a county court claim against me. It should have been statue barred Dec 2017 but apparently I have made payments. It is possible as this card relates back to when I got divorced. I was advised to send a practice direction letter which I did and received a response from them. Can someone please advise what this means and is it worth defending in court. My friend has offered to pay it off for me as it is making me stressed. I have a mortgaged house and a car which I have been told they will put a charge on. Is it worth paying this off or defending and if I did what are the potential court costs, would it add a lot to the debt. Any advice would be appreciated. have until 5th Feb to respond. docs1.pdf

Hi, I received a claim from Restons solicitors in Jun 2017 from a debt that was from 2003. They have continued to chase and issued a court claim against me on 19th June. The debt is statute barred although they say a payment was received on 11th July I have bank statements and copy of credit file to confirm that this is not the case. They have repeatedly asked me to withdraw my defence, which I havent. I have gone through the process of asking for default notices, copy of agreement, NOA etc for which they have only supplied a copy of the agreement and a list of transactions with a date and amount on them only. The claim became stayed in July last year after i entered a plea of statute barred. I have now received notification that they are asking the court to lift the stay and strike out my defence. I have drafted a defence statement addressing the main points including providing the evidence I have as well as calling into question whether they even had a right to commence legal proceedings as they kindly sent me a letter 5 weeks after they issued the claim saying that they had to refer back to their client and obtain relevant documentation before commencing further. I have 2 questions off the top of my head; 1) They continue to say that no hearing will be required and that summary judgement will be requested, can they do this. Would I not be given the opportunity to submit my defence statement and evidence to the court if they decide to lift the stay? Or should I enter an N244 STRIKE OUT of claim myself now? 2) If they admit to not having the information before starting court action does this not constitute to an abuse of court process? They have said that I am unable to highlight anything further to the court as I originally entered a defence of statute barred only. They had not even sent me a copy of the agreement at this point. Any help would be great as I am losing significant amounts of sleep over this but I will not let them win.

Name of the Claimant ? Cabot Financial UK Limited Date of issue – 17th January 2018 What is the claim for – 1.The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Tesco Personal Finance Plc dated on or around Oct 20 2012 and assigned to the claimant on Aug 14 2017. Particulars are a/c no xxxxxxxxxxx DATE 11/12/2017 ITEM Default Balance Value Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I received a PAP and responded with a CCA (postal order etc) What is the value of the claim? Between 3 and 4 k Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Cabot who are the claimant. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes probably, didnt keep letters, was in a bad way. Did you receive a Default Notice from the original creditor? I believe I did. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I do not recall getting these. Why did you cease payments? Financial hardship, Mortgage arrears accumulating What was the date of your last payment? Some time in 2014 Was there a dispute with the original creditor that remains unresolved? Not that I am aware of Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO unfortunately. Hi all, thanks for being here for those of us who are having a hard time.. ..Before Xmas (so that postal delays were at the maximum) I received a PAP from Restons/Cabot to which I responded with the CCA according to the forum guidelines. Within a day or two of this I received a Claim Letter from Restons I am trying to prepare the CPR31 but the particulars dont really amount to much so what should I request in respect of the evidence they may be presenting? The clock is ticking and I am yet to post the Acknowledgement of Service. The claim also doesnt give a court 'name' as such, just a county court business centre and a number. Is this correct? Thank you for any help/reassurance you could give me.

Hi, here goes a long story, short. got a cc claim in nov 16 from restons - cap1 c/card for 2k (opened in july 2007) - last payment oct 2011) did the usual request for cca and other doc's - I got nothing submitted defence on the basis of lack of doc's (i think that this is called an embarrassed defence???) got the normal letter from restons and the claim was stayed anyway - heard nothing until 3 months ago when offered in a letter a 50% discount, I did not reply, then cot another discount letter for 70% off - I did not reply. WHY you ask - because they did not have the doc's to back up the claim. Well i got a letter last week containing a cca (which is meant to be mine) I am confused and worried as what to do now, incase restons apply for the stay to be lifted - should i make a settlemet offer?

I have a debt with citi financial going back to about 2008, for around £3k on a credit card, i have been paying £1pm stopped when i moved house, the debt company Cabot have instructed Restons to issue court proceedings against me in order to get a charge put on my house which i now own outright. I have asked if they will accept payments of £40pm to prevent court action but they have replied saying that unless i repay the full amount before the 8th December they will issue proceedings. Is it worth getting a CCA request asking for a copy of the agreement to see if it is unenforceable in any way? Or is there any other strategy people know about to prevent them getting a charge on my house and a CCJ. regards Zaggacom

I have a joint account overdraft debt (First Direct) from 2005 which has been on my Payplan DMP since 2011. The current DCA (Arrow Global) appointed Restons Solicitors who sent Claim Forms to both me and the other party, my ex. Payplan sorted my reply offering £1 per month. I didn't realise that my ex needed to send Acknowledgement of Service and I told him, wrongly,that I had it sorted with my DMP. The claimant rejected my offer and the court issued me a judgement by determination for £20 per month. My ex was sent a judgement by default. (The amounts on the two judgements were different, and on his default judgement it stated he'd paid £1, which he hadn't - it was my £1 from my DMP). I subsequently applied for a redetermination as I thought we would each submit budgets and he would start his own DMP and we could get the monthly payments reduced. The redetermination hearing is next Wednesday and states both me and my ex as defendants. My ex is long term unemployed, on jobseekers allowance and housing benefit. I am 58, self employed, on a low income and in receipt of working tax credit. Neither of us has any property, savings, assets, insurances, or anything of value. The debt is the second smallest on my DMP (total debts £24.8k). My ex is furious that he now has a CCJ and refuses to attend the hearing and refuses to do a budget. I feel responsible for sorting out the mess. My girlfriend has now offered to pay the claimant in full & final short settlement if the claimant will agree that no further liability is due from either party. Total being claimed is £461.80 plus £107 costs, so £568.80. After a couple of offers and counter offers, Restons said on 22nd Nov they would accept £422.85. I offered £400. Restons say they are waiting for Arrow to decide whether to accept my £400 offer. They're both dragging their feet unnecessarily I feel. Since it's less than 5 days before the hearing it's too late to apply to "vacate the hearing" so I must attend the hearing, alone. I need to email the court to tell them of this new development and also include authorisation from my ex. I want to email the court today or tomorrow latest to tell them about my offer, also including email from my ex authorising me to do that, also that the delay is down to the claimant. How should I word my email, how should my ex word his email, and since its a redetermination hearing that I applied for, how will the offer of short settlement affect the hearing especially since my ex won't be there. I know I ought to have sorted this out sooner but I have ADHD and also long-term depression, which makes life difficult sometimes. When I originally got into debt, before my DMP, things got so bad that I had a breakdown I'm better now. I've spent hours and hours looking up civil court procedures, protocols, practice directions, legal processes, advice websites, CAB signposted me to RCJ free advice session and they suggested I attend the hearing with my budget, which I will do. I just need to know how to handle communicating with the court about the changes, and at this late stage I can't afford to make any more mistakes. Any relevant advice much appreciated. Many thanks

My wife has been paying £10 per month to Restons for well over a year to clear a credit card debt with a current balance of approx. £1,500. Restons asked my wife to fill out a financial statement which she did on line, they have now increased the payments to £150!!! My wife is an agency worker with no guarantee of work so the fact they have increased the instalments is due to my income. Can they increase the monthly instalments based on my income when it's not my debt? Just to confirm Restons are acting on behalf of Arrow.

Hi Received a claim form from Restons Solicitors last week regarding a personal loan debt of £10k bought by Arrow Global. This was the first notification we had since letters were going to an old address. Stepchange have advised to fill in the income and expenditure on the admission form and pay £1 per month until our circumstances change and we are able to repay in full. We have no experience with this sort of thing and are unsure of what is the best course of action. Many Thanks

I wish I'd found these forums last week when I did a bit of researching online but came across a mass of other things and got confused. out of the blue last week I got a letter from Restons Solicitors (dated September 1st) stating that I owe ME IV Limited £758.05 on an old EE mobile account. They're saying they're instructed by Cabot Financial to seek payment of the outstanding balance and that if I fail to respond by tomorrow (Friday September 15th) then they are "instructed to request that the Court grants a judgment in Default" The letter then goes on to state about possibly being able to pay in instalments and that I should ring them, go on their website and fill in income and expenditure or send back the income and expenditure forms that they also placed in the letter. Another part says that the debt from EE is from the account opened in 2008 and was terminated December 2014. The date of assignment is 26 August 2016 and the last payment date was 13 June 2014. I was with T-Mobile/Orange/EE for years with no late payments or problems. In my last relationship my ex pestered me to add her and her son onto my contract with a sim for each of them. It was a controlling relationship etc and she managed all the finances in the household. As she has been prone to do with other debts, once she got wind she could ditch the debt and go elsewhere she did so, missing a couple of months payments then just ignoring it. I left there in November 2014 and have been living elsewhere myself since. Heard nothing about this company or debt whatsoever in all the time until last month (August) when I suddenly start getting letters and phone calls from Cabot Financial about it. I set my phone to ignore the calls and kept getting recorded message voicemails. Ignored the letters as to be honest I've been fuming as had built my credit up very slowly with low limit cards and have been paying them off to get my rating up. On Clearscore the debt to Cabot Financial does show as a default but everything else is positive on there (aside from having low credit limits) I've left it late wondering what to do. Advice I did find from various sources said ignore it they're bluffing as it's mobile phone debt and under £1000 it'll never happen. I want to believe that but then have come across a mass of info online saying how awful Restons are to deal with and how they almost always do go for CCJ's. I really don't want a CCJ on my account the next 6 years and have been stressing and panicking about having to deal with courts and anything legal as it's all new to me and blowing my mind, at the same time I don't want to contact Restons and start paying back tiny amounts for the rest of my life as I'm on a low income and can only afford to provide them with a token payment. I'm annoyed at the situation and kinda adamant they won't see that money off me but I can understand that because the debt was still run up in my name that I'm going to struggle to deny responsibility there. I've dealt with anxiety and depression for years and this is taking a large toll right now being honest. Also I dispute the sheer size of the debt as it could not have been more than £200 I'm sure, £300 tops if she dodged it a couple of months or so. I realise they add on charges but to more than double it is beyond ridiculous. I spoke with National Debtline a couple of times the last couple of days. They told me to send a template letter disputing the debt which I was about to go to my local library to print off and send recorded delivery today. The circumstances of it being so late with their court threat date being tomorrow is bothering me and I realise I should have dealt with this sooner to at least give myself less panic about the date. Is this letter the right thing to send? Is it likely too late now anyway and do you think Restons will just throw it straight to court as they seem to be threatening? They worded it not like they may but said they have been "instructed by their client to request the court grants a judgment" so that sounds pretty certain

absolute newbie! Please help! have received a letter from Arrow Global headed "NOTICE OF ACCOUNT TRANSFER TO NEW AGENCY" dated the early August 2017. it states the original agreement HSBC - overdraft/original agreement date year 2000/transfer date to Arrow Global Jan 2016/ outstanding amount owed to Arrow Global 11k+ and advise I need to direct all enquiries to Restons Solicitors. Letter 2 from Restons dated 18th Aug 2017 Re: Arrow Global Ltd v Yourself. Saying hey act for them and they have reffered your account o us for legal action., together with an financial statement form. Letter 3 dated late Aug 2017 from Restons now saying they have been instructed by Arrow Global to seek payment and advising I have been notified of their clients acquisition of rights to this account. Then further that failure to contact them by the 12th Sept 2017 may include the issue of a county court claim. The so called debt information is incorrect. Banking facilities were withdrawn by HSBC 2014. This debt went first to moorcrap and I think another before Arrow. what should I do next please

Hi Brand new here but hope someone can help as all very stressful. I have a debt of about £12.5k that Restons have taken (although court letter says its Cabot?). I have a few issues and appreciate I need to reply back to the court within the next week but want to ensure I cover all bases. The reason that I stopped paying the card was because I had my identity stolen (this was acknowledged by the police and proven when I applied for an updated driving license and told I couldnt as didnt give them the correct address!!) The debt was with Halifax and although we had plenty of discussions back in 2009 they did nothing and I was convinced at least some (not all) of the spend on that card was fraudulent. According to Restons the card default date was 21/11/11 but I am 100% sure that I have not used the card since maybe 2 years earlier. 2 years ago Restons were trying to get me to agree a reduced payment. I contacted a debt charity Step Change and they advised it would be worth at least looking at what I could pay as I admitted owing at least some of the debt. I sent the Charity back various forms and they said Restons point blank refused any offer of part payment as wanted to take me to Court for the full amount. 2 years passed - not a word then I get a county court letter through the post. Last week. So I really just wanted to know my best approach. Its such a long time ago I have no original statements from that account. Any help would be really appreciated as not sleeping at all with this hanging over me

I have recently signed up to clearscore and viewed my file, I have noticed I have a CCJ dated back to 14/01/2015. I guess I will have had correspondence from the courts way back when but I have no recollection of that. i emailed the courts and they advised it was debt recovery agency Cabot and saying that restons are representing them. The original debt was Lloyds TSB loan, which I do remember and being the overused 'young and daft' ended up defaulting. I have certainly not acknowledged the debt or made any payments in the past 6 years. I have been reading other similar posts and seeing a lot of great advice, but I am not sure what applies to me seeing as though the CCJ is so old. The court have advised I can contact claimant to arrange payment plan or make a claim to 'set aside the judgement' I have yet to do anything and thought it best to seek advice first. The court have indicated that the original debt was 'on or around September 2008 So, thats why I am here, looking for any help, is this statute barred? Should I be looking to get this set aside? The reason I found out in the first place is that I am looking at a career change and trying to gains some professional qualifications where my history will come under scrutiny, so I would rather not have it there if it shouldn't be there.

I have 8 debts I'm trying to settle. 3 are held with restons but originally were with arrow & I think they own it. I've come to an agreement with all the other agencies to settle the debts but restons will not take an offer. They've caused me the most stress & keep going back to court to try to increase my monthly payment of the CCJs. I'm wondering is it possible to go back to arrow to try to negotiate a settlement? The others have all been very understanding & helpful but not so with these guys. Any advice much appreciated

Hello About 4 years ago I received a claim from Cabot for a debt of about £26,000 - I say about because the figure has varied in their correspondence. I made a CCA request and received no reply. A couple of years later I was contacted by Restons who threatened me with court action if I did not pay up. Restons took the case to court and I duly submitted my defence that they had not provided me with proof that I owed them any debt - nothing further was heard for about 12 months, the case having been automatically stayed. Restons then applied to have the stay lifted and applied to the court for a Pre-Judgement hearing which I attended in June of this year. At the hearing the judge ordered that: 1. Unless the Claimant do file and serve copies of the following in 28 days, i.e. by 17 July 2017, the claim be struck out: 1.1 Credit Agreement between the Defendant and Lloyds TSB. 1.2 Default notices in relation to Credit Agreement. 1.3 Deed of Assignment between Lloyds TSB and the Claimant (and any preceeding assignments). 1.4 Notice to Defendant of any assignment. 2. Costs of today and the application be borne by the Claimant in any event. 3. Within 14 days of service upon him of all the documents above, the Defendant do file an amended Defence. 4. The application for summary judgement is dismissed. 5. Permission to appeal refused. Restons have not provided me with copies of all the above documents. However, Restons have now made an application to appeal on the grounds that the judge erred. They have been given permission to appeal - the judge's order has been put on hold pending the appeal which is due to be heard this later this month. I would be extremely grateful for any help as to how to proceed. Do I need to attend the Appeal Hearing? And if so what would I need to do? It's only thanks to these forums that I have been able to defend this action so far.

Hi again, I hope this is in the right forum but I need some advice on what to do with this letter that I received today from Restons. The letter is dated Thursday July 27, 2017 and it arrived this morning (August 5th) It concerns an overdraft and it says that the client is prepared to consider repayment of the balance by instalments. It also states that Arrow has referred the account to Restons for legal action and says it means we are instructed to issue court proceedings against you. They have sent along an income and expenditure form and have asked me to return it to them no later than Thursday August 3rd! I don't really want to call these people up but it concerns me that they can send a letter and ask me to send something back to them before the date that I received the letter in the post. It makes me think its some underhand tactic to issue court proceedings before I have a chance to respond. In the absence of time travel, what are my best options to deal with this?