Cabot/Restons Claimform - old Halifax Current account OD debt

[skanker]

Thanks for the quick response Andy.

 

I'll see how this pans out. Im planning on going bankrupt later this year and was hoping to include this debt. Hopefully i'll still be able too.

[dx100uk]

Why do you think you need to go bk?

Start a new thread in the debt forum

And list your debts

[dx100uk]

And get those charges reclaimed too?

[skanker]

I will do mate, will take me a few days to get everything rounded up tho

 

I lost my job last December and have been living off my current cards since then pretty much.

 

i also have approx eight CC defaults from ten plus years ago which im getting lots of hassle from all of a sudden.

 

I defaulted on these card in 2008 but had been paying a token £1 amount on each up till 2014 so non of them are statute barred sadly.

 

My thoughts are to simply draw a line under it all and start fresh as the stress is becoming a little too much bare.

[dx100uk]

Well whomever told you to pay £1pcm wants shooting

And so do you for living off credit now!!

Get that thread and that reclaiming going

[skanker]

indeed i do. it was CCCS who advised

[skanker]

Hi Folks

 

Just following my previous post with more correspondence from Restons which i received yesterday.

It seems they are planning on going back to court but are now offering a reduced settlement amount.

 

I'd appreciate some word of wisdom as to whether or not i need to respond to this or not?

Im presuming not but thought i better check as they do mention court intervention

 

Thanks

restnew.pdf

[Old Cogger]

begging letter??? sure other will comment??

[dx100uk]

yep begging letter

disc'd letter next

[skanker]

Thanks for confirming my thoughts guys. i know you have other stuff to deal with so im very grateful of your time

[skanker]

HI folks

 

Im back once more regarding this business.

 

I received a letter pack in the post this week and Restons are attempting to have my stay lifted without a hearing.

 

Not sure what to do so any info is much appreciated.

 

This is for a current account overdraft and they've sent a number of things including:

 

two witness statements

 

a cabot letter dated 2012 telling me they have bought the debt but sent to an address i hadn't lived at for four years

 

A bank of scotland letter dated 2012 telling me that they have sold the account to cabot but again sent to an address i hadn't lived at since 2008

 

Statements of the account from 2006-2011

 

Some statement from Marlin showing monthly £1 payments over a period of 2012-2016

 

A letter before action from Restons

 

A document titled "Request for judgement and reply to admission" This has legal fee's included which add a further £800 to the claim

 

All in all im not to fused as i own nothing and im in dire straights financially with both current and historical debts as well as suffering mental health issues.

 

Even so, i'd still prefer not to have to deal with this as i was just beginning to have a period of good health and would like it tio continue

 

I've attached some images of a few doc's as i thought they may help with any advice

 

Thanks!

IMG_2157.pdf

IMG_2158.output.pdf

IMG_2159.pdf

[dx100uk]

scan all pages sent up to ONE multipage PDF

is there an N244 in there too?

if not ignore them...

[skanker]

Hi Dx

 

Yes there is a N244 included, i've attached the first page to my last message.

I'll get the lot scanned tomorrow and uploaded, I've still got my defence to write up for another case coming up it looks like next week is already taken care of time wise!

[skanker]

Ok, that took some figuring out but it's now uploaded and redacted in full.

 

Two thing that struck me when going through it was the two letters sent to my old address which was vacated four years previously

 

the balance on my current account statements.

 

The final page states £24k was paid into the account

£22k paid out

but that im £2k overdrawn.

 

Am i misunderstanding something regarding this?

 

PDF now added

Restons Court Pack_edit.pdf

[Andyorch]

Same here...follow this thread

 

Post up when the court informs you of a hearing date...there will be a hearing

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?456262-Arrow-Restons-claimform-old-MBNA-debt/page10

 

Andy

[skanker]

Ok Andy will do.

 

Im actually planning on going bankrupt as my total debt is big,

up until what point can i include this account in that process?

[dx100uk]

As post 102 please

[skanker]

Why do you think you need to go bk?

 

Will do mate, it's something i've been ignoring but im simply fed up of all the letters. I have historical debts such as this and Cabot own approx five of them. I also have recent defaults which will need dealing with.

 

Fundamentally i've been juggling back and forth for years and im worn out with it all. my health has suffered and i want to draw a line under it all.

 

I own nothing and im now on long term ESA so the time is right

 

I'll start a new thread as you suggest

[dx100uk]

thread tidied

[Ford]

 

Fundamentally i've been juggling back and forth for years and im worn out with it all. my health has suffered and i want to draw a line under it all.

 

am not up with your thread

but, don't let these planks affect your health.

maybe bankruptcy is the best way. no property/assets. get rid. start again, be healthy.

how much is your total debt.

yes, can include an unsecured claim debt/judgment.

get as much advice as you can.

[skanker]

Thanks for chiming in Ford, my total debts both current and historical come to 77k and considering i've not worked due to illness for a year, bankruptcy makes sense.

i just need to find the funds to do it ironically enough

[skanker]

Why do you think you need to go bk?

 

Just gone to start a new thread on the BK forum as you advise but it wont allow me for some reason, i caan type my post but as soon as i attempt to title the thread is closes itself and reverts back to the main forum

 

Im presuming this is a site issue, yes?

[matt5983]

Thanks for chiming in Ford, my total debts both current and historical come to 77k and considering i've not worked due to illness for a year, bankruptcy makes sense.

i just need to find the funds to do it ironically enough

 

I’ve seen people take credit out and inc it their bankruptcy before

[skanker]

Im well past that stage, nobody will touch me regarding credit. I had planned to user the last of a card on it but it got swallowed up with living expenses

[skanker]

Same here...follow this thread

 

Post up when the court informs you of a hearing date...there will be a hearing

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?456262-Arrow-Restons-claimform-old-MBNA-debt/page10

 

Andy

 

Morning Guys

 

As suggested i'm posting my hearing date which i received a few days ago and it will be on the 18th May