Reston solicitors, help requested

IDC8672

First time poster here looking for a little advice.

A few years ago I got myself into some debt with cards and loans. Over the years I have managed these and reckon I am now in a far better position than I used to be. However I was recently contact by Reston's solicitors regarding an old Capital One debt of £2700 that I thought had long since been forgotten. They wrote to me on Decenber 5th giving me until December 18th to contact them regarding payment or they would commence court proceeding.

I wrote back on December 10th requesting proof of the alleged debt. However on December 15th I received court paperwork dated 11/12.

Clearly they had commenced court proceedings on pretty much the same day as they wrote to me giving me 14 days to contact them!

I am ok in filling in the court papers and know that I will need to concentrate on this. However how interested would the court be in what Restons have done? Does this break FCA debt collection guidelines and is there much point in complaining to them (they will have 8 weeks to reply to a complaint) or to Cabot who Restons are acting for?

Any suggestions as to my plan of action?

sourcrates

Hi,

How old is the debt ?

rizla_king

http://www.legalbeagles.info/forums/ are good for help on defending court claims

fatbelly

Agree with the above.

The defective letter before action is just one line of defence - there will probably be others.

IDC8672

Hi,

Thanks for the replies.

I have registered on the Legal Beagles site for assistance there too.

The original card was from 2002., no payments of acknowledgment of debt since mid 2010 so must be close to being statute barred.

kjd35aqua

I had same issues with restons. Took me to court without me knowing as letter got lost in post. Case went in their favour and spent over 5 years paying off the debt and added court charges which really got me annoyed.
Good luck fighting them as they were really bad to at being helpful if you come into difficulties at any point.
I was struggling to keep up with payments at one point due to work issues. And all i got was make payments or we will add charges or get bailiffs to come and take your stuff away.
Even when girlfiends daughter got cancer and wanted to reduce payments while she went through her treatment and her mum wasn't working to look after her they still threatened bailiffs if i didnt pay on time.
Never known anyone so heartless and evil.
Hope you win again'st them. Good luck.

fatbelly

IDC8672 wrote: »

Hi,

Thanks for the replies.

I have registered on the Legal Beagles site for assistance there too.

The original card was from 2002., no payments of acknowledgment of debt since mid 2010 so must be close to being statute barred.

OK, sounds like not statute barred.

You should still do a cca request and a cpr request

http://www.legalbeagles.info/forums/showthread.php?47790-Basic-first-Steps-to-take-on-receipt-of-a-Consumer-Credit-Court-Claim