My wife has recently received a claim form from Restons on behalf of Cabot for an old HBOS credit card debt. We will be defending the claim because we're pretty certain that they're not going to be able to get a signed agreement with the acct number on it. I've sent an Acknowledgement of Service, and have filled out the questionaire below. Name of the Claimant ? Cabot Financial (UK) Limited Date of issue – 05 June 2017 What is the claim for – The Claimant Claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Halifax dated on or about MMM DD 2005 and assigned to the Claimant on June 24 2016. What is the value of the claim? 6773.00 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? Before 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 Financial Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? I think so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't think so Why did you cease payments? We got into financial difficulties. What was the date of your last payment? I believe my wife was making payments through Stepchange until late 2015/early 2016. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? We did through stepchange but it came to an end.

Hi, I'm in am unusual position, I think. Back in 2003 I had a cracking salary and mega limits on my credit cards (46k) I was made redundant after I became mentally unwell and so went back to uni. I *asked* the credit card companies to reduce my limits (not wanting to get rid of my cards altogether) but they refused. Point blank refused. Later that year I became ill again and was diagnosed with bipolar. I managed to spend £21,000 in 3 months, with very little to show for it (or take back!) The banks refused to help. I paid back just under 1/2. I now have a limited income and only really my benefits to live on. I stopped paying when CCCS went under. I was given a CCJ in absentia. On one of the debts. Another, who CCCS weren't actually paying off, are continually chasing me. They seem to have now passed it on to Restons solicitors. I know they *can* apply for a CCJ. But if I don't contact them, will the debt be statute barred after 6 years, which is 6/2018. What is the best thing to do? I'm usually an upstanding citizen. But - I can't afford to pay anything, I didn't run up the debt other than as part of my illness, and the banks refused to lower my limits! I think after 14 years I need a life I can live and keep well - depression being a major problem. I just live within my means. I had paid a huge amount off all the debts, before I joined CCCS. They've had their pound of flesh, so to speak. Can I now hold on for the remaining 14 months for statute barring, given a solicitor is involved??? Or has anyone else any helpful advice? I just long to be the responsible person I am without this cloud hanging over me. Thanks.

Hi there, I have received a few letters from Restons now regarding a credit card debt from 2012/13, passed to Arrow and now to them. I wont go into the particulars, but as I was unable to meet the balooning minimum payments and issues with work left me stressed worried and stupidly with my head in the sand. Now, finally back on my feet in the position to start saving for a house, Restons solicitors get in touch mentioning impending court action. Please help me avoid a CCJ! I have a CCA request with the £1 postal order ready to go to Arrow, just wondering what to do with restons - wait for the court papers? Many thanks in advance Name of the Claimant - Claim not yet received Date of issue - Not yet received What is the claim for – Not yet received (HSBC credit card) What is the value of the claim? Balance was 2,500+ Is the claim for - a 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. Were you aware the account had been assigned – did you receive a Notice of Assignment? - I cannot recall Did you receive a Default Notice from the original creditor? - I believe so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - No Why did you cease payments? – 2012ish What was the date of your last payment? 2012ish Was there a dispute with the original creditor that remains unresolved? Not that I can recall Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Just to point out, I don't want to get out of what I owe, I do not have any documents around the credit card, the default not the transfer to Arrow - just what Restons have stated. Having researched this company and how they and arrow go about their business, I have an instant distrust for what they say, a disliking for how they go about their business and want to make sure I going about this in the best way I can. Thanks Again

Name of the Claimant ? Arrow Global Limited Date of issue – 13/07/2016 What is the claim for – 1.The Claimant claims payment of the overdue balance due from the Defendant under a contract between the Defendant and HSBC dated on or about Jul 26 2003 and assigned to the Claimant on Feb 26 2013 PARTICULARS a/c no – xxxxxx/xxxxxxxx DATE ITEM VALUE 15/03/2016 Default Balance 3500.00 Post Refrl Cr NIL TOTAL 3500.00 What is the value of the claim? £3700 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft. However, according to Restons, HSBC consolidated a Credit Card into the Overdraft before they sold the debt on to Arrow Global. When did you enter into the original agreement before or after 2007? Before (2003) 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. Account assigned to Arrow Global who issued claim in July 2016 Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? I can’t remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Ran out of money so stopped debt management plan What was the date of your last payment? June 2014 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes I was in a debt management plan from 2008 to 2014 Upon receiving the claim in July 2016, I submitted CPR and got a fairly unhelpful response, they said, “You would have been provided with a copy of the contractual Terms and Conditions at the time the overdraft facility was opened and hence we see no reason why you now require an additional copy.” I submitted my defence on time, which was as follows :- 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claim is denied with regards to any amount due under an agreement. The Claimant/Solicitor has refused to disclose any agreement or statements on which its claim relies upon. 3. I am unaware of any legal assignment the claimant refers to within its particulars and deny the notice was served pursuant to the Law of Property Act 1925. On receipt of this claim I requested information pertaining to this claim from the Claimants Solicitors by way of a CPR 31.14. To date I have yet to receive the requested paperwork. Therefore with the courts permission the Claimant is put to strict proof to: (a) Show and disclose how the Defendant has entered into an agreement; and (b) Show and disclose how the Claimant has reached the amount claimed for; © Show how the agreement(s) were breached/ terminated to allow the claimant relief; (d) Show how the Claimant has the legal right, either under statute or equity to issue a claim; 4. As per Civil Procedure Rule 16.5, it is expected that the Claimant prove the allegation that the money is owed. 5. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. 6. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. Restons have now responded with the following 2 letters in August and September. In the September letter, they mention that the amount claimed is an Overdraft consolidated with a Credit Card. However, the original claim was under the single Overdraft account number. Still no sign of any Contractual Terms and Conditions at the time the overdraft facility was opened. FD Aug 23.pdf FD Sep 20.pdf

Hi hoping someone can help/advise, I received a CCJ for the amount of £2802.71 for a credit card. England based. I can't pay this and on the form it does not tell me how I can pay this off in instalments. I have lots of debt which I am dealing with but this one slipped through, my fault totally. Any advice on how I should proceed would be much appreciated. Many thanks.

hi can any body help my wife has a ccj from these the court set it at 50 pounds per mth she has missed one payment and has now been told they are going to take legal action if i catch this up can they still take the legal action thanks for any help please

Hi Guys, CCA request return - for Capital One, they sent me what purported to be a reconstituted copy of an agreement from 1998 and told me that they were quite confident that it was fully enforcable. I, of course. have no way of knowing whether this copy is accurate or not. Also, I suspect that they have sent a reconstituted copy because they don't have the original. I have sent them a subject access request to try to flush this out. Do you think I should respond to their letter saying that I don't recognise the document and would expect them to produce the a copy of the executed agreement in order to confirm that the debt is enforcable in court? Or something else? As ever, your help is much appreciated. I think you guys are providing a hugely valuable public service. S

Can anyone please advise on what I can do about a HSBC overdraft. I have recently lost my job and currently unemployed.A few bills, mortgage, credit card and a car loan will very quickly eat up what little savings I have. I have sent a template letter to the loan and credit card asking for 6 months interest free grace and I am hoping that they will agree. My HSBC overdraft is currently at circa £2,200 - the limit agreed is £2,000. I have £1,000 in a savings account. Should I write to HSBC and explain the situation and then use the savings for this months mortgage and food. Or should i stay within my overdraft first and foremost? I know that no one will be happy but there is little else that I can do other than being honest and try to get a job. Any advice gratefully recieved.

Hi, This morning i have recieved a nasty letter from Restons about an old aqua card that has come to them from Arrow. I have read online they are a nasty bunch to deal with and go down the CCJ route quickly. I dont not want that to happen, I have severe anxiety and already this is scaring me so much. They need a reply by the 18th or they will go for a CCJ and I dont know what to do for the best. I have no idea how to do a financial statememt and can only afford to pay a bit each month to get this paid off.. they are offering a short settlement payment, but I will only be able to pay half of it and even that is going to leave me short as it will be out of my sons DLA and he needs that. I am hoping someone can help me and give me some advice please Thanks in advance.

hi all, sent a cca to restons recently regarding an alleged arrow debt, they refuse to give any detail other than amount allegedly owed. Received this pathetic response from restons - Re: Arrow Global Limited v. Yourself Original Creditor and Product Type: Santander - Asda Store Card Dear Madam, We write further to receiving your recent email, seeking documentation pursuant to S77-79 of the Consumer Credit Act 1974. We are under no obligation to provide the requested documents to you as we are not the Creditor; we are a firm of solicitors. We have not been informed of any properly constituted request having been made pursuant to the CCA 1974. Even if a properly constituted request has been made, the Credit Agreement is only unenforceable until such a time as the request is complied with. It does not mean that the debt is indefinitely irrecoverable. Your email is written in a format that we are familiar with and that is circulated on consumer based websites. You may be encouraged to use this template in order to avoid the repayment of a legitimate debt. It is our belief that you do not fully understand the nature of the allegations raised within your email. We trust this clarifies our position. We now require your proposals towards the outstanding balance. As such, please complete a financial statement on our website at restons by no later than 13 April 2017; failing which, we are instructed to issue legal proceedings against you. Yours Sincerely Miss N Didsbury ---- anyone give me the best way to respond to this claptrap, needless to say they haven't responded within the statutory time limit to the cca request. appreciate the help if poss, i'm helping a disabled friend who can't take their harrassment any more.

Today I received this letter. Please advise. “We note you have recently filed a Defence to the court proceedings issued against you. By way of explanation, Cabot Financial (UK) Limited is a debt purchaser. You allege that the Claimant does not technically own the debt, however, in line with the Terms and Conditions of the Credit Agreement, the original creditor had a contractual right of assignment. In other words, Lloyds was entitled to transfer their rights and benefits under the Credit Agreement to a third party and that right has been exercised. Around the time of assignment you should have received a letter from the original creditor advising you that the account had been assigned to a third party and you should also have received a Notice if Assignment from the Claimant. Within your Defence, you have requested the original copy of your signed Credit Agreement. We fail to see why you have requested a copy of the Agreement as you have stated in your Defence that the original Agreement was in fact signed with Lloyds, therefore, by your own assertion, the fact that the Credit Agreement was signed by you, that you were provided with the facility and in turn utilised that facility has not been contested by you. You have also asserted in your defence that the Claimant has used bullying and intimidating methods to try and retrieve the money owed. Under the Consumer Credit Sourcebook written by the Financial Conduct Authority, a creditor is allowed to ask you to pay and keep reminding you to pay your debts by use of reasonable contact. You have failed to provide any evidence that the contact you received from the claimant can be deemed as unreasonable. In view of the information set out in this letter, we do not believe your Defence has any real prospect of success and we will therefore recommend to our Client that an application be made to strike out the Defence and to enter a Judgment against you for the full amount claimed together with legal fees and costs. Should you wish to avoid these further costs being incurred then we invite you to withdraw your Defence by completing the enclosed Form N9A and returning it to this office within 14 days. We await your response”

Good evening a couple of weeks ago I received court forms from Nottingham regarding CABOT. I have had a terrible time with this company, 3 times writing to ask for the creditors original signed credit agreement to no avail. I put a defence in to the money online tool (no idea what Im doing really) and stated that this company had harassed me (calls at work etc) and not supplied me with the credit agreement etc. Ive now received a letter from a company called Restons solicitors telling me my defence wont hold water and that I have 14 days to sort it Letter dated 28th March Ive been very ill since Friday so done nothing yet. Could someone please advise me as Ive no idea who Restons are or if they are real Thanking you in advance

I have recently embarked on a mission to clear the debt I ran up when I ran into financial difficulties in 2013. I was struggling in my job at the time and had trouble keeping up with my bills and ended up losing my house and car. I have since recovered and now in a position where I can clear all of outstanding debts. One of the debts that I hadn't got around to yet was around £1500 to Black Horse for the finance on my car. I missed three months payments of £407 and ended up giving them the keys back in December 2013. When I took the agreement out I lived at address 1 and then moved (informed them of the address change) and when they collected the car they collected from address no.2. I now live at a different address over the last 12 months have received numerous letters from Reston's solicitors in relation to the debt. The last letter I received from them was to inform me that I have successfully registered a CCJ against my name and against address no.1. Even though they know I have since moved from address 1 to address 2 where they collected the car and then to address 3 where they have sent me letters. If I had received the paperwork though about the CCJ I would have paid it in full because all of my other CCJs are satisfied and for the last 3 years I haven't missed a payment on any accounts I have and wouldn't want to reset the 6 years of being screwed on a mortgage clock. Is there anyway of me getting this judgement set aside if I have to pay in full? the downside is that I can't find any of the letters they sent me previously, I do have the letter that they sent to my current address to inform me after the CCJ was granted dated 5 weeks from the CCJ date) If I can't get it set aside what action should I take to look into making sure the 1500 is an accurate figure? any help/advice/guidance would be really appreciated

Name of the Claimant ? Cabot Date of issue –31/01/2017 What is the claim for –. 1.The Claimant claims payment of the overdue balance due from the Defendent(s) under a contract between the Defendant(s) and JD Williams Ltd. Dated on or about Dec 20 2014 and assigned to the claimant on July 06 2016. What is the value of the claim? 900.34 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue When did you enter into the original agreement before or after 2007? after 2007 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. Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? not sure Did you receive a Default Notice from the original creditor? dont think so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? ? no Why did you cease payments? financial difficulty What was the date of your last payment? july 2015 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no Hi, i acknowledged the claim on line and sent out a CCA to Cabot and a CPR 31.14 to Restons and i have never had a reply yet from anyone. the deadline for the defence is this sat i believe so i will need to get it in by 4pm friday? Any idea what i could put in the defence please.

I won't go into details, but 10 years ago i was in financial straits and ended up with a ccj for a personal loan. i offered, and the court accepted a payment of £10.00 per month. as i began to get straight i voluntarily increased this to £20.00. hoping to clear it quicker. the loan company( universal credit) was then taken over by paragon finance who continued to accept the £20.00. I have received a letter from them saying it had been passed on to another company. the letter they sent me showed a balance owing of nearly £6,000. as the original ccj was for only £3,000 and i have always paid every month, i can only assume they have been charging me interest, without informing me. Are they within their rights to do this? is there anything i can do about it? by the way, the new company want me to take out a secured loan to pay them off.

Received yet another claim form (thats the third in 7 months for debts originating from 2010 when these financial problems first arose). Its for an overdraft and credit card originally with Lloyds. POC: The Claimant claims payment of the overdue balances (set out below) which the Defendant (s) have failed to pay as required under contracts with the following particulars acc no **************** and acc no ************** between the Defendant(s) and Lloyds TSB dated on or about 06/11/98 and 13/05/98 respectively. The contracts were assigned to the Claimant on 19/09/2013 and 19/09/2013 respectively. PARTICULARS:- a/c no **************** a/c no ************** DATE ITEM VALUE 30/06/2014 Default Balance ****.** 30/06/2014 Default Balance ****.** Post Refrl Cr NIL TOTAL :- ****.** No pre-action conduct letter was sent. I know the drill well enough by now as regards getting off CCA requests etc but have a couple of queries if anyone would be so kind to oblige. For starters has there been some kind of sea change in the way DCAs are operating? I read a few years ago that they were pretty unlikely to take court action and would simply rely on threats and persistence to try and get people to pay up. However having now received 3 seperate claim forms this year I assume this has changed for some reason. The other question I have is regarding the 'dated on or about' phrase in the POC. Is it usual to be this ambiguous or are they just covering their backs? I'm assuming it at least means they have no paperwork at this stage. As ever any feedback would be much appreciated.

Afternoon Folks, My wife in the post this afternoon has received a County Court Claim Form from Arrow Global/Restons Solicitors and despite reading the forums, I'm a bit stumped on how to proceed. I've attached images of the whole claim form(minus personal information) and also an image of the particulars of claim(which I think is statute barred). My wife has never heard from them until recently and has never responded to them, the Claim form is addressed in her maiden name despite us being married 4 years. Could I have some help on this if possible please. &

Hello All, I have been paying Restons on a Tomlin order £30 a month for the last few years and now is nearly up £87 left. However when they recently sent me last statement, i see that they have added two charges £80 and £60 for court fees and costs. This never actually went to court as i agreed to a tomlin order. Are they allowed to do this ? Also, My bank changed and all DD's closed, and the Restons one got deleted, whats the worst that can happen ? Will they simply write to me ? Thanks In Advance Q.

I had court papers in October 2015 from Restons on behalf of Cabot Financial (UK) Ltd. I put in a defence and requested CA and stated I believed the debt to be SB. Just before Christmas 2015, Cabot sent me a letter saying they could not find the original CA and as such any alleged debt was "unenforcable". Today I get a letter which says: "We have been instructed to write to you regarding the above matter. We note from reviewing your account that you have not withdrawn your Defence, nor has a payment arrangement been agreed. Due to the time which has elapsed since the proceedings were issued, our Client has asked us to remind you of the detail regarding the outstanding debt. The current outstanding balance is *jellybeans* which relates to the Aqua card facility with account number *chocolate coins*. Our clients records indicate that the account was opened on or about *mint crisps* 2008. In line with the Terms and Conditions which governed the account, the original creditor had a contractual right of assignment. In other words, the original creditor was entitled to transfer their rights and benefits under the account to a third party and that right was exercised on *Quality Street* 2011. Our client has asked us to explore the possibility of a settlement being achieved without the need for this litigation to continue and is therefore is willing to enter into a payment arrangement that is affordable and sustainable by you. We kindly ask that you complete and return the attached financial statement within the next 30 days, confirming what your offer of payment is. If you wish to settle the matter by way of a lump sum payment our client may be able to offer you a discounted settlement figure. Please contact ourselves on the above telephone number if you wish to discuss settlement of your account or have any queries relating to your account. Yours faithfully *Toblerone*" I gather it's a fishing trip?

Name of the Claimant ? Cabot Financial UK ltd Date of issue – 3 march 2016 Date to submit defence = by 4pm Monday 04/04/16 What is the claim for – the reason they have issued the claim? 1.The claimant claims payment of the overdue balance from the defendant under a contract between the defendant and halifax dated on or about October 23 2006 and assigned to claimant on June 27 2014 What is the value of the claim? £4695 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? Before 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. Cabot financial Were you aware the account had been assigned – did you receive a Notice of Assignment? I cannot recall a letter of assignment Did you receive a Default Notice from the original creditor? I think so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don’t think so Why did you cease payments? Ex partner ran up about £35k of debts in my name, then did a bunk, I only work part time to look after our daughter, and don’t have any money for debts, so payments stopped What was the date of your last payment? Around October 2010 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 managementicon plan? yes, and offered a lump sum of £500 in Full and final about 3-4 years ago Hoping someone can help me please, Restons have issued against me for an old debt that my ex partner ran up in my name. I've filled in the questions below that I saw asked on another thread. I'm posting the CCA request off tomorrow, I did a data protection request a few years back and I was sent unsigned terms and conditions and screen prints of my details thank you

Had a letter off Restons back in November telling me to set up a payment plan for an alleged credit card I had with Halifax for £13500 I can't recall any card I had with an amount like that on it. I rang them up and said I had a letter stating that I needed to set up a payment and asked them to send documents to prove i owed the alleged debt. The woman was very evassive and kept saying you must set up a plan or we will take court action. I repeatedly said until I have documentation proving I owe the debt I will not agree to anything. After being put on hold after I asked who do I write to have the documents sent to me, is, them, MFS or cabot, she came back saying she is not obliged to tell me and it is up to me to prove I do not owe the debt. I did a little research and found that Restons have a reputation of being evasive, non helpful and use bullying tactics to scare you into a payment plan. after some more research I found a conditional acceptance letter I sent off to all 3 companies(recorded) asking them for original copies of contract and other information that is required. I heard nothing back after 15 days sent the second letter of non conformity and asked again for documents to be sent across. I heard nothing from MFS or cabot, but had a letter from Restons saying I must set up a payment plan and that their client will not send out the documents requested as it is uneccessary and irrelevant. A couple of days later, 23rd December, I got court papers through the post where with costs they are asking for just under £14500 I submitted a defence online stating I have requested documents on the dates sent, and dates received. I stated I received nothing back in the 14 day time scale. I said I sent the request again and heard nothing back again accept the response from Restons and that I have nothing to say I owe the alleged debt. My issue is that I don't think I put enough in the defence and didn't use legalise terminology do I write to Restons requesting a CPR 32..14 for all documentation. Can I resubmit the defence with more information or did I respond too quick and done it all wrong. I had a letter from Northampton saying that they are forwarding my defence. In my defence I did also contest the durastriction of Northampton county court. Any help on this would be gratefully received and appreciated.

Hello CAG I hope you can help me. Due to unemployment I fell behind my overdraft payments and HSBC closed the current account in 2013 and sold to Cabot. In October 2015 Restons made a county court claim for a HSBC overdraft debt for £1900 including court fees for an overdraft on behalf of Cabot. I defended this claim based on the lack of documentation from Restons/Cabot and to date no documents have been supplied by Restons. The claim has been stayed just over a year now and I was wondering if I should leave it stayed or get the court to strike it out?

Hi, not sure whether this is the right forum. I'm sorting an old catalogue debt out for my son as I've done a few of mine in the past. I've sent off a CPR request to Restons solicitors, I didn't sign the letter just typed his name on the letter. This morning they have sent it back to me stating that as it has no signature and therefore they will not correspond and to resend the letter with a signature otherwise they will not acknowledge it nor provide any response. Never came across this before so do I just ignore it? Thanks

Hi i have read through alot of threads with regards to similar cases but dont want to get anything wrong so some help would be really appreciated. The account in question was started in august 2008 and defaulted march 2010, i am not sure when the last payment to this account was made, please note that the balance is lower than the default balance so im assuming something has been paid since the default. They are asking for the total amount by 1st Feb otherwise they will be seeking a £50 monthly sum via the court. Cabot took control of this account in September 2015, i have not done anything via contact but i know no things need to be dealt with. What actions should i take now i no i should be sending off a couple of letters but im not sure on the legal terms and shall i just follow similiar drafts on here making the amendments necessary? Thanks for your time

Hi, A Capital One debt from 2014. Claimant is Cabot with Restons acting (think that's right). Amount Claimed £XXX.XX Court Fee £XX.00 Solicitor Costs £XX.00 Issue date 24 June 2016 Defence date 25 July 2016 Think I got help with the defence on here or another site. Can't find the thread. Question is are they too late to do anything now? What happens with the claim? I've have correspondence with Restons where I've offered a settlement figure, they've accepted but I haven't paid (just don't have the money). They wanted payment by 9 December 2016. What happens now?